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Zilch

Entidad de pago · Reino Unido

Acerca de la empresa

Razón socialZilch Technology Limited
Año de fundación—
Sede / país de registroLondon, United Kingdom
Sitio webwww.zilch.com/uk
Última comprobación08.10.2026

According to its official website, Zilch is a financial technology company offering shopping credit through its app and card to individual customers aged 18+ living in the United Kingdom. Customers can pay for purchases upfront or split them over 6 weeks or 3 months; credit limits are said to range from £50 to £4,500, with no interest but possible fees, and a representative APR from 14.9%. Zilch can be used online and in store, with a digital card added to Apple Pay and Google Pay and a physical card ordered for £4.99. It offers up to 5% rewards on pay-now purchases, Standard, Extra and Plus plans, an Advance of up to £100 before payday, credit building and limit growth features. According to the site footer, Zilch Technology Limited (company no 11488502) is authorised by the FCA under the Payment Services Regulations 2017 for the provision of payment services (FRN 1033706) and is also authorised and regulated by the FCA (FRN 843421). The address is 111 Buckingham Palace Road, London SW1W 0SR. This information is the company's own statement.

Datos de la cuenta

TIPOS DE CUENTAIndividual customers (aged 18+, UK residents) · Standard, Extra and Plus plans
DEPÓSITO MÍN.Not stated
PLATAFORMASiOS and Android app · Digital card (Apple Pay, Google Pay) · Physical card
PRODUCTOSPay now · Pay over 6 weeks or 3 months · Credit limit (GBP 50–4,500) · Advance · Rewards

Licencias y regulación

FCA (Reino Unido)

N.º de licenciaFRN 1033706
Titular de la licenciaZILCH TECHNOLOGY LIMITED
AlcanceListed in the FCA register as an Authorised Payment Institution under ZILCH TECHNOLOGY LIMITED (FRN 1033706) since 28 Nov 2025.
EstadoVerificada

FCA (Reino Unido)

N.º de licenciaFRN 843421
Titular de la licenciaZILCH TECHNOLOGY LIMITED
AlcanceListed in the FCA register under ZILCH TECHNOLOGY LIMITED (FRN 843421); status Authorised since 6 Apr 2020. It holds permissions to enter into regulated credit agreements as lender and to provide credit information services.
EstadoVerificada

Quejas de usuarios

Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.

Periodo analizado: julio de 2026 – octubre de 2026

  • Préstamos y tarjetas de crédito: 24
  • Retiros y pagos: 13
  • Tarifas y comisiones: 12
  • Atención al cliente: 8
  • Otros: 6
  • Bloqueo y congelación de cuentas: 5
  • Operaciones no autorizadas: 3

ALTO — NIVEL DE QUEJAS

El 39 % de las entidades con registros de quejas recibió más quejas que esta.

POR TEMA — Préstamos y tarjetas de crédito: Muy alto · Retiros y pagos: Alto · Tarifas y comisiones: Muy alto · Atención al cliente: Alto · Otros: Alto · Bloqueo y congelación de cuentas: Medio · Operaciones no autorizadas: Muy alto

FUENTES CONSULTADAS

The complaint distribution is based on the latest 1-star reviews on Zilch's Trustpilot page (71) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Zilch name are left out. Across the complaints, payments taken from the bank account instead of being split, low limits, unexpected fees and delayed refunds stand out.

Fuentes e historial de verificación

Fuentes oficiales de la empresazilch.com/uk — homepage and footer; App Store app (seller Zilch Technology Limited)
Registros del reguladorFCA — ZILCH TECHNOLOGY LIMITED, FRN 1033706 (register.fca.org.uk) · FCA — ZILCH TECHNOLOGY LIMITED, FRN 843421 (register.fca.org.uk)
Registro mercantilCompanies House — ZILCH TECHNOLOGY LIMITED, company no 11488502, incorporated 27 Jul 2018
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
Última verificación08.10.2026

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