Want to earn a free fiver without spending anything extra? You’re in luck. Let us introduce you to Zilch, a clever cashback service that rewards you simply for paying with their virtual Visa. It takes just five minutes to sign up, and you could start earning up to 6% cashback {with Zilch Plus) on your favourite retailers

Shop at Your Favourite Stores

Do you love online stores like Amazon, eBay, and Superdrug?  Zilch works with thousands of top online and in-store retailers. So whether you’re restocking the cupboards or treating yourself to something new, your everyday spending can now earn you extra cash — effortlessly.

What Is Zilch?

Zilch is a virtual Visa linked to your existing debit card. It’s designed for smart shoppers who want to earn cashback without changing how they shop. Once signed up, you can use your Zilch card online or in-store using Apple Pay, Google Pay, or Samsung Pay.

Zilch gives you two main ways to pay:

  • Pay Now – Earn 3% to 6% cashback instantly with Zilch Plus, cost of £3.99 per month.

  • Pay over 6 weeks – Spread the cost over 6 weeks for a small fee  (but no cashback is earned on this option), however 1 percent is available with Zilch Plus.

  • Pay over 3 months – Spread the cost over 3 months for a small percentage of the total cost. Earn 1 percent in Zilch rewards with Zilch Plus or 0 percent with basic Zilch.

If you want to benefit from the cashback feature, be sure to choose ‘Pay Now’ when checking out.

How to Claim Your Free Fiver at Zilch

Getting your £5 welcome reward is easy and fast. Just follow these simple steps:

  1. Join Zilch.

  2. Complete a quick 5-minute signup and identity verification.

  3. Link your debit card and activate your virtual Zilch Visa. If you want to sign up to Zilch Plus, there is a cost of £3.99 per month, but you can order a Zilch physical card to pay in-store.

  4. Add your Zilch card to your Google, Apple, or Samsung Pay wallet.

  5. Make your first Tap & Pay or contactless purchase in-store using your phone (NFC must be enabled). Enable your card in-store and earn up to 6 percent with Zilch Plus. Otherwise, earn up to 5%.

Within minutes, you’ll receive 500 Zilch reward points, equal to £5, which you can use at thousands of stores online or in-store.

👉 Sign Up to Zilch and Get £5 in Rewards

How Cashback Works with Zilch

When shopping with Zilch, how much cashback you earn depends on where and how you pay:

  • Online with ‘Pay Now’: Earn 2% to 5% cashback, or 3% to 6% with Zilch Plus.

  • In-store with Tap & Pay (Contactless): Earn up to 5 percent with Zilch basic, up to 6% with Zilch Plus. However, you must enable your card in the app before completing your contactless payment in-store.

  • Using Zilch Anywhere: Earn 0.5% cashback (this applies to merchants not directly partnered with Zilch).

Example: If you spend £120 a week in-store or online on groceries using Zilch ‘Pay Now,’ that’s £2.40 per week in cashback — nearly £10/month, or £120/year! If you invested in the Zilch Plus card, you would earn £3.60 per week in Zilch rewards. This equals £187.20 per annum. That extra percentage is definitely worth the £3.99 monthly fee.

Now that’s what we call smart spending.

Top Tips to Maximise Your Zilch Rewards

  • Always select ‘Pay Now’ at checkout to earn the higher cashback rate (2%–5%).

  • Shop online at Zilch’s partner stores to get the most value.

  • Use your reward points just like cash to buy anything from fashion to food.

  • Memorise or securely save your Zilch card details for quick access when shopping online.

  • Use the Zilch app or website to browse partner stores and track your rewards.

Why We Love Zilch

Zilch takes the stress out of budgeting and rewards you for doing what you already do — shopping. Whether you’re picking up essentials or splurging on something special, Zilch helps you earn while you spend, without paying more.

✔ Quick and easy to use
✔ No hidden fees when paying in full
✔ Accepted at thousands of stores
✔ Instant reward points
✔ A free £5 to get you started

Final Thoughts – Unlock Free Cash the Easy Way

If you’re not already using Zilch, now’s the perfect time to sign up. With cashback on everyday spending and an instant £5 welcome bonus, it’s one of the easiest ways to put money back in your pocket.

Why shop the old way when Zilch makes it smarter?

👉 Join Zilch now and claim your free £5