Zilch is a UK-based buy now, pay later provider offering a virtual Mastercard through its mobile app, accepted at millions of retailers online and in-store. Users split purchases into four interest-free payments over six weeks, paying 25% upfront and the remainder in fortnightly instalments. Zilch also offers a pay-now option with cashback rewards on every purchase. The company is FCA-authorised and conducts soft credit checks during sign-up. In 2026, Zilch launched a physical card alongside its virtual offering. The referral programme gives both referrer and friend £5 in Zilch credit when the new user signs up through a referral link and activates their account.
How does the Zilch referral work?
Zilch pays a referral bonus when a new customer signs up using a code shared by an existing user. EasyEarns lists 1 community-verified Zilch referral code, ranked by a quality score built from upvotes, reported payouts, and moderator checks. The top-ranked code currently offers 5 to new customers. Bonuses across every active Zilch listing sit at £5.
To claim a Zilch referral from EasyEarns, pick a code below, follow the link or enter the code at sign-up, and complete the qualifying steps the offer requires. Most Zilch bonuses credit within a few working days of meeting the requirements. Codes are hidden automatically when multiple users report them as expired, so the listings you see here are ones that have paid out recently.
Last updated
Have a Zilch referral? Submit yours
Common questions
What's the best Zilch referral right now?
1 community-verified Zilch referral are live. The top reward right now is 5. Top contributor: @boysie. Cards rank by real usage (votes, clicks, approvals), so the strongest offer is the first one you see above.
How much can I earn with a Zilch referral?
Current rewards on Zilch land in the £5 range. Exact amounts depend on the promotion, the reward side (referrer vs referee), and whether you qualify. Tap any offer above to see the full breakdown.