Eligibility Requirements
- Aged 18 or over
- UK resident
- Valid email address and smartphone
- Subject to affordability and credit checks
- Approval depends on individual circumstances
Zilch card application steps
- Click Apply Now to start your application
- Complete a short form in the app
- Receive a decision in minutes
- Start using your virtual card instantly
Frequently Asked Questions
What is the minimum income to apply for Zilch?
Zilch does not publish a fixed minimum income, but affordability checks apply.
How do I track my application?
You can track your status and spending directly in the Zilch app.
How long does it take for approval?
Most users receive a decision within minutes of applying.
Can I be approved for Zilch with a low credit score?
Yes. Zilch is often accessible to users with limited or poor credit, depending on affordability.