# Zilch referral code — £5 in Zilch Rewards

> Join Zilch through this invite (zilch.onelink.me/x8EV/o7wikj98) and you receive £5 in Zilch Rewards once you sign up, verify your identity and are issued your Zilch card — within 30 calendar days of registering, with no spending required. The referrer currently receives £15 under a promotion ending midday on 19 October 2026; the standard rate is £5 each side, fixed by the date the new customer registers. Zilch pays all-or-nothing: if either side fails the criteria, neither is rewarded. Credit product, 18+ UK.

## Quick facts
- Canonical URL: https://honestcodes.co.uk/codes/zilch
- Referral link: https://zilch.onelink.me/x8EV/o7wikj98
- Code: `o7wikj98`
- Bonus: £5 in Zilch Rewards
- Category: payments
- Status: live
- Last verified: 2026-09-17
- Eligible region: United Kingdom

## Benefit
Join Zilch through this invite and you receive £5 in Zilch Rewards once you have signed up, passed identity checks and been issued your Zilch card. The person who invited you currently receives £15 under a promotion running until midday on 19 October 2026 — outside that window both sides receive the standard £5. Zilch is a card you can use almost anywhere Mastercard is accepted, splitting a purchase into instalments; the first six weeks are interest-free.

## Eligibility
New Zilch customers aged 18 or over, resident in the UK. You must sign up through the referral link, then complete the referral tasks — any steps needed to receive a Zilch card, including successfully verifying your identity — within 30 calendar days. Zilch pays on an all-or-nothing basis: if either side does not fully meet the criteria, neither receives the reward. There is no cap on how many people one person can refer.

## How it works
1. Tap 'Open Zilch' below — the invite is carried in the link, so nothing needs to be typed
2. Create your Zilch account. You must be 18 or over and resident in the UK
3. Complete the identity checks and any other steps needed to be issued your Zilch card — this is the part that actually releases the reward
4. Finish those steps within 30 calendar days of signing up. Miss the window and neither side is paid
5. £5 in Zilch Rewards lands on your account once approval completes, ready to discount a purchase or be saved towards a bigger one

## What you get

**£5 in Zilch Rewards**, and — unusually for this category — **you do not have to spend anything to earn it.**

Almost every buy-now-pay-later referral on this site requires a purchase: Klarna wants three card transactions, Clearpay wants a £50 basket. Zilch's reward is released by completing the sign-up itself. That makes it the lowest-effort reward in the category, and also the smallest.

The other side is currently larger. The invite behind this page shows **£15 for the referrer** under a promotion running until **midday on 19 October 2026**. Outside that window the standard programme pays £5 to each side. Your £5 does not depend on the promotion.

## What "completing sign-up" actually means

This is where the reward is won or lost. Zilch's terms call them the **referral tasks**: any steps required to receive a Zilch card, including successfully verifying your identity, completed within **30 calendar days** of registering.

So the sequence is:

1. Register through the referral link — the link has to be the route in.
2. Pass identity verification.
3. Have the account approved and the **Zilch card issued**.

Stop at step two and nothing is paid. An application that is not approved earns nothing either.

## The all-or-nothing rule

Worth knowing before you invite anyone yourself. Zilch's terms are blunt: both you and the person you referred must meet **all** the criteria. If either of you does not meet them — or only partially meets them — **neither party** receives the reward. There is no partial payout and no goodwill split.

## The amount is set by the sign-up date

A quiet clause with real consequences: the reward is determined by **the date your friend signs up**, not the date you shared the link. If Zilch changes the figure in between, the amount in force at registration is the one that applies.

That is exactly why this page separates the two numbers. The £5 you receive is the standing joiner rate. The £15 on the referrer's side is a dated promotion, and this page names its end date rather than presenting it as permanent.

## What Zilch is

Zilch is a card you can use in most places Mastercard is accepted, splitting purchases into instalments. Used over **six weeks it is interest-free**. Longer repayment options can carry interest, missed payments may incur charges, and Zilch can report to credit reference agencies.

It is credit, subject to status, for UK residents aged **18 and over**.

## Where the Rewards can go

Zilch Rewards are credit inside Zilch. They discount a future purchase, or accumulate towards a larger one. They are Zilch credit rather than a bank transfer, so they are worth most to someone who will use the card.

## How the three BNPL referrals compare

| | Zilch | Klarna | Clearpay |
|---|---|---|---|
| New joiner gets | **£5 in Rewards** | **£10** to the Klarna balance | **£10** credit on one order |
| Spending required | **None** | Three Klarna Card purchases of £10+ | One eligible purchase of **£50+** |
| Deadline | 30 days to finish sign-up | 30 days | None stated on the credit |
| Where it can be spent | Inside Zilch | Anywhere the Klarna Card works | That single Clearpay order |
| Referral cap | **None published** | Uncapped | **5 per customer** |

Zilch asks the least and pays the least. Clearpay pays most per qualifying order but demands the £50 basket. Klarna sits in between and produces the most flexible money.

## Who it suits

| You are | Verdict |
|---|---|
| Already planning to use a BNPL card | **Worth it** — £5 for a sign-up you were doing anyway |
| Curious, with no purchase in mind | **Easy to claim** — the £5 lands on sign-up, before you spend anything |
| Chasing the largest BNPL reward | **Clearpay or Klarna** — both pay £10 |
| Finishing ID checks at your own pace | **30 days** is the window to complete sign-up |

## Source documentation

The reward mechanics — signing up through the link, the referral tasks including identity verification, the 30-calendar-day window, the all-or-nothing criteria, the rule that the amount is fixed by the referred friend's registration date, and the absence of a referral cap — are taken from **Zilch's published referrals terms and conditions** in its help centre. The £15 referrer figure and its **19 October 2026** midday end date are quoted from the in-app Refer and Earn screen behind this invite. Zilch's product structure (interest-free over six weeks, credit subject to status, 18+ UK residents) is from Zilch's own product pages. Zilch may change or end the programme at its discretion and without notice — HonestCodes link-checks this invite daily and re-reads the terms on the date shown at the top of this page.

## Search terms covered by this page
- "zilch referral code"
- "zilch invite link uk"
- "zilch £5 rewards"
- "zilch refer a friend 2026"
- "zilch sign up bonus"
- "zilch rewards explained"
- "buy now pay later referral uk"
- "zilch vs klarna vs clearpay"
- "zilch card new customer offer"
- "best zilch referral link 2026"

## Frequently asked questions

### Is the Zilch referral still running in 2026?

Yes — verified on the date shown at the top of this page. A new customer joining through a referral link receives £5 in Zilch Rewards after completing the referral tasks. Zilch runs periodic promotions on the referrer's side: the invite behind this page currently shows £15 for the referrer under a promotion ending at midday on 19 October 2026. Your £5 is the standard new-joiner reward and does not depend on that promotion.

### What do I actually have to do to get the £5?

More than sign up. Zilch's terms require you to complete the 'referral tasks' — any steps needed to receive a Zilch card, including successfully verifying your identity — within 30 calendar days of registering. The reward follows once your account is approved and the card is issued. Creating an account and stopping at the ID check earns nothing.

### Why might the reward not arrive at all?

Because Zilch pays all-or-nothing. Its terms state that both you and the person who referred you must meet all the criteria — if either of you does not meet them, or only partially meets them, neither party receives the reward. The usual causes are an incomplete identity check, an application that is not approved, or the 30-day window closing.

### Does the amount ever change?

Yes, and the date decides it. Zilch sets the reward by the date your friend signs up: if the amount changes between sharing the link and the friend registering, the amount in force at registration applies. That is why the referrer figure on this page is tied to a promotion window while the £5 joiner reward is the standing rate.

### What are Zilch Rewards, and can I get cash?

Rewards are credit inside Zilch. They can be applied to discount your next purchase or saved up towards something bigger. They are Zilch credit rather than a bank transfer, so they go furthest if Zilch is a card you will use.

### Is Zilch interest-free?

Partly. Zilch's core proposition is paying over six weeks with nothing added, and used that way it costs nothing. Longer repayment options can carry interest, missed payments may incur charges, and Zilch can report to credit reference agencies. It is a credit product, subject to status, for UK residents aged 18 and over.

### How many people can I refer once I have joined?

There is no published cap — Zilch's terms state there is no limit on the number of referrals you can make. Zilch does reserve the right to stop paying rewards where it suspects the offer is being gamed, and it says it will contact you if it does.

### Zilch, Klarna or Clearpay — which sign-up is worth most?

Klarna pays £10 into your Klarna balance after three Klarna Card purchases of £10 or more within 30 days. Clearpay gives £10 of credit against a single eligible purchase of £50 or more. Zilch gives £5 in Rewards for completing sign-up and identity checks, with no spending requirement at all. Zilch asks the least of you and pays the least; Clearpay pays the most per qualifying order but demands a £50 basket.