Zilch Review: How Does It Work?

Zilch Review: How Does It Work?

Zilch Review: How Does It Work?

A raving success in the UK, buy now and pay later.


They seems to be doing really well. But what do consumers actually think about them

A raving success in the UK, buy now and pay later.


They seems to be doing really well. But what do consumers actually think about them

A raving success in the UK, buy now and pay later.


They seems to be doing really well. But what do consumers actually think about them

Get started
Get started

Zilch Review: How Does It Work?

A raving success in the UK, buy now and pay later.


They seems to be doing really well. But what do consumers actually think about them

Get started

Where can you use it?

How Zilch works:

You sign up

You sign up

18+ and UK residency needed

18+ and UK residency needed

Start shopping

Start shopping

You’ll pay 25% upfront and 75% later (with no interest / no fees.)

For example: if it’s a £100 Nike Shoes online, you’ll pay £25 up front and the remaining £75 goes on your Bits store credit line, to be paid back via a single bullet repayment at month end.

You’ll pay 25% upfront and 75% later (with no interest / no fees.)

For example: if it’s a £100 Nike Shoes online, you’ll pay £25 up front and the remaining £75 goes on your Bits store credit line, to be paid back via a single bullet repayment at month end.

Pay back at month end

Pay back at month end

You can pay back in full or roll over.

You can pay back in full or roll over.

4.6 / 5 on Trustpilot

Zilch members say:

See the reviews

The easy way to build Credit

Choose a Bits plan

With flexible plans starting from just £6 a month, choose a subscription that fits your budget.

Buy a voucher

Select from 100’s of voucher options from to retailers in the UK and save with discounts.

Pay it back

This helps you protect and build your credit score, and means you have less to pay back!

But you don't need to get vouchers to benefit from Bits

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

Camden Gateway, 349 Royal College Street

London, England, NW1 9QS

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

Camden Gateway, 349 Royal College Street

London, England, NW1 9QS

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

Camden Gateway, 349 Royal College Street

London, England, NW1 9QS

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Choose a Bits plan

With flexible plans starting from just £6 a month, choose a subscription that fits your budget.

Buy a voucher

Select from 100’s of voucher options from to retailers in the UK and save with discounts.

Pay it back

Pay it back every week to keep your credit healthy


Here to help if you need us.

Outstanding support all the way, with prioritized help available in specific plans

Get support

How it works:

Choose a Bits plan

With flexible plans starting from just £6 a month, choose a subscription that fits your budget.

Buy a voucher

Select from 100’s of voucher options from to retailers in the UK and save with discounts.

Pay it back

You’ll pay 70% upfront and 30% later (with no interest / no fees.)

For example: if it’s a £20 voucher. You’ll pay just £14 up front (using your credit balance) and the remaining £6 later.

This helps you protect and build your credit score, and means you have less to pay back!