Zilch referral link & Get £5 FREE

Zilch offer at a glance

Reward

£5 FREE

How to claim

Use the referral link

Category

Banking & finance

Last checked

19 October 2026

About Zilch

Zilch is a UK payments and buy-now-pay-later platform operated by Zilch Technology Limited. Its app supplies a virtual Zilch card, with a physical card available under the platform’s own terms, and can link to a UK debit card. Depending on eligibility, the app can let a customer pay now, spread a purchase over six weeks, or use a longer payment option such as Pay over 3 months. The official UK how-it-works page describes the six-week pattern as 25% at checkout followed by three further payments at two-week intervals; fees and eligibility can depend on the retailer, product, account and payment setting. Zilch says Pay now can earn Rewards, while spread-payment options may carry fees, so “free” in this listing refers to the referral reward rather than every use of Zilch. The help centre says the Zilch card is linked to the customer’s debit card and that the app is used to search stores, select a payment method and enable the card. In-store use can be through a digital wallet, while online use can involve copying the card details from the app. Zilch’s UK terms distinguish PayNow, a debit account, from any separate Pay Later account. They also say Zilch is authorised and regulated in the UK, but credit remains subject to status and responsible-use warnings. The service may be useful for a person who wants a card-based payment tool, Rewards, or a clearly scheduled repayment option; it is not a substitute for budgeting, emergency savings or independent financial advice.

Get £5 FREE with Zilch

Offer: £5 FREE in Zilch Rewards for both sides of a successful referral, using the exact Referral link shown above. Stored listing facts: the platform is Zilch; the slug is zilch; the category is Finance; and the listing was checked on 21 February 2026. Current official referral guidance available at the verification date says the referrer must be a UK resident aged 18 or over with an existing Zilch account. The friend must use the unique link, sign up, complete identity verification, be approved and receive a Zilch card within 30 calendar days. The detailed terms call these the Referral Tasks and say the account must be approved and the card received before the payment trigger is satisfied. They also say Zilch can change, suspend or terminate referral terms, refuse a reward where there is suspected fraud or a breach, and stop rewards where a link is promoted inappropriately, such as through advertising. Zilch’s ordinary sign-up guidance gives additional account criteria: at least 18, UK resident, one account only, a valid UK debit card, a UK address, a mobile number and an email address; identity and electronic verification and a soft credit check are part of the process. A soft credit check does not affect the credit score according to the help page, but approval is not guaranteed. Before committing, read the referral terms presented in the app and the repayment, fee, data and card terms that apply to the product you actually select. If the app shows a different reward, deadline or qualification step, the live provider terms take precedence over this directory copy. Checked at: 2026-10-19. Verification status: recorded-active-needs-provider-confirmation.

How to claim the offer

1. 1Check that you are comfortable using a regulated payment and, where relevant, credit product; the reward should not be the only reason to apply. Keep a UK debit card, UK address, mobile number, email address and acceptable identification available.
2. 2Open the Zilch app if you are already an eligible customer. Go to My Account, select Refer a friend, and use the app’s current referral screen to confirm the amount and any promotional wording before sharing.
3. 3Copy or open the exact Referral link: https://zilch.onelink.me/sOUJ/11dod0aa. Preserve the link rather than replacing it with an unverified code or a different URL.
4. 4Send the Referral link privately to a friend who is genuinely interested in Zilch. Do not buy advertising, use misleading claims, spam strangers or present the bonus as guaranteed approval; Zilch’s referral terms allow it to withhold rewards for inappropriate promotion or suspected gaming.
5. 5Ask the friend to open the link and begin sign-up through that route. They should not create an account first through another route, because the referral attribution requirement is that the friend uses the unique referral link to sign up and create the account.
6. 6The friend should download or open the Zilch app, choose Create account and follow the in-app instructions. They will provide the requested contact and address details and link a valid UK debit card; a credit, corporate or proxy card may not meet the ordinary account terms.
7. 7The friend should complete identity verification and any electronic checks promptly. Zilch says it conducts a soft credit check during application and may request proof of ID and proof of address before issuing the card.
8. 8Check the deadline: the friend must be approved and complete the Referral Tasks, including identity verification and receiving a Zilch card, within 30 calendar days of using the link or signing up as described in the current referral terms. Keep screenshots of the referral screen and completion dates, without exposing sensitive identity data.
9. 9Wait for Zilch to approve the account and issue the Zilch card. A virtual card may be available in the app, but the referral terms specifically refer to the card being received or issued; do not assume an application alone qualifies.
10. 10After the tasks are complete, check both Zilch accounts. The detailed terms say £5 in Referral Rewards is added automatically to each account within 10 working days, although the amount can differ if a promotion changes before the friend signs up. If nothing appears after that period, contact Zilch support through the app with the referral evidence and do not submit duplicate applications.
11. 11Before using the reward, review expiry, redemption and account-status rules. The UK terms say Rewards cannot be cashed out, may be cancelled after a refund or breach, and generally expire 12 months after award unless otherwise stated; fees, limits and repayment dates apply separately to Zilch purchases.

Your referral benefit

Zilch referral offer — £5 FREE in Zilch Rewards for the eligible existing customer and the eligible friend, subject to Zilch’s referral conditions. Referral link: https://zilch.onelink.me/sOUJ/11dod0aa. This is a stored directory listing, not a promise that Zilch will approve an application or that every visitor will see the same promotion. The official help page says the reward is normally £5 for each person, but says amounts can vary during promotional periods. The amount is determined by the friend’s sign-up date, rather than necessarily the date the link was first shared. The friend must use the referral link, create a Zilch account, complete identity checks, be approved and have a Zilch card issued within the stated 30-calendar-day window. Once the Referral Tasks are complete, Zilch’s referral terms say the reward is applied automatically to both accounts within 10 working days. Zilch Rewards are loyalty value, not cash: the UK terms say they cannot be converted into cash or transferred to a bank or card account. In the terms’ example, one Reward equals one penny, but the app should be treated as the live place to confirm the balance and any applicable redemption rules. “£5 FREE” therefore means £5 of qualifying Zilch Rewards, not £5 paid into a bank account. The practical value depends on whether the recipient can use Rewards against eligible future purchases and whether the account remains in good standing. Do not open a credit or payment account solely for a bonus if you do not need the service.

Before you claim

• Immutable directory record: slug is zilch; platform is Zilch; reward is £5 FREE; link label is Referral link; exact URL is https://zilch.onelink.me/sOUJ/11dod0aa; category is Finance.
• Listing checked date recorded by the directory: 21 February 2026. This is a historical listing field and does not itself prove that the promotion remains unchanged at the verification date.
• Official referral help reviewed: https://help.zilch.com/en/articles/6607-how-do-i-refer-a-friend-to-zilch. It confirms £5 each under the normal wording, the app sharing path, 18+ UK referrer status, the 30-day requirement and no current referral cap.
• Official referral terms reviewed: https://help.zilch.com/en/articles/59549-referrals-terms-and-conditions. They confirm Referral Tasks, automatic payment within 10 working days, promotional variation, inappropriate-promotion restrictions, fraud reversals and no approval guarantee.
• Official sign-up guidance reviewed: https://help.zilch.com/en/articles/6586-how-do-i-sign-up-to-zilch. It confirms app sign-up, a soft credit check, identity verification, UK debit-card and address requirements, one-account guidance and 18+ UK eligibility examples.
• Official product explanation reviewed: https://help.zilch.com/en/articles/10083-what-is-zilch. It distinguishes Pay now, Pay over 6 weeks and Pay over 3 months, describes the linked debit card and notes minimums and fees that can apply to spread payments.
• Official UK product page reviewed: https://www.zilch.com/uk/how-it-works/. It presents the app flow, credit-subject-to-status wording, six-week payment pattern and possible Rewards and fees. Product advertising is not a guarantee of any individual limit, rate or approval.
• Official UK terms reviewed: https://www.zilch.com/uk/terms-of-service/. They state that PayNow is a debit account, distinguish Pay Later terms, explain Rewards are not cash, describe expiry and abuse rules, and set account eligibility and transaction restrictions.
• Provider-confirmation caveat: referral amounts, qualifying actions, deadlines, card wording, availability, fees and eligible redemption can change. The status for this listing is recorded-active-needs-provider-confirmation; check the live in-app referral terms immediately before signing up or sharing.

Zilch referral questions

Sources and verification

Reviewed 19 October 2026. The status above explains how much of the recorded claim was confirmed; always check the live brand page for the latest eligibility rules, deadlines and reward details.

• Official provider source
• Official provider source
• Official provider source
• Official provider source
• Official provider source
• Official provider source