Zilch
Key Data
- Trading Name: Zilch
- Legal Entity: Zilch Technology Limited
- Activities: Buy Now Pay Later Provider
- Location: United Kingdom
- Regulations: authorised and regulated by the Financial Conduct Authority
- Key People: Philip Belamant
1. Overview
Zilch is a UK-based fintech offering interest-free Buy Now, Pay Later services, designed to make consumer credit more transparent, accessible, and rewarding. Founded in 2018 by Philip Belamant, the company has expanded internationally and is authorized by the UK Financial Conduct Authority (FCA).
2. Use Case
Zilch empowers consumers to:
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Pay upfront or split payments over 6 weeks or 3 months
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Earn cashback and personalized rewards
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Improve credit history through responsible payment plans
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Shop online and in-store with over 38 million merchants via a virtual Mastercard
Its dual focus on convenience and credit-building sets it apart from traditional BNPL providers.
3. Key Offerings & Features
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Ad-Subsidised Payment Network (ASPN): Connects retailers with consumers via AI-driven discounts; ad revenue funds cashback rewards
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Pay Now: A virtual debit card offering up to 5% cashback
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Flexible Payment Plans: Interest-free split payments across 6 weeks or 3 months
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Zilch Up: Supports credit-invisible users in building a financial track record—already helping 25,000+ in the UK
4. Regulation & Structure
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Zilch Technology Limited
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FCA Registered (FRN 843421)
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Company No. 11488502
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Address: 111 Buckingham Palace Road, London SW1W 0SR
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Zilch Card issued by Monavate Ltd
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FCA-licensed (FRN 901097)
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Company No. 12472532
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5. People
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Philip Belamant (CEO & Founder)
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Serge Belamant (Board)
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Sean O’Connor (Advisor)
6. Customer Reviews
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Trustpilot: 4.6 / 5 stars (55,000+ reviews)
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Highly rated for ease of use, customer service, and flexible repayment options
7. Intellectual Property & Charges
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Holds UK Patent No. 1915614.0
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Trademark: “Zilch” (Reg. No. UK0003328933)
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Security instruments include fixed/floating charges & negative pledge rights
8. Final CyberFinance Compliance Rating
| Category | Rating | Notes |
|---|---|---|
| Authorization | 🟢 GREEN | FCA-authorized for consumer credit |
| Transparency | 🟢 GREEN | Clear product disclosures, executive team, and legal structure |
| Customer Feedback | 🟢 GREEN | High Trustpilot score; no major complaints or incidents |
| Financial Soundness | 🟢 GREEN | Stable product, innovative model, expanding internationally |
🟢 Final Rating: GREEN SIGNAL
📌 Ratex42 Summary
Zilch stands out as a compliant, transparent, and consumer-first BNPL platform. With a flexible payment ecosystem, credit-building tools, and an innovative ad-subsidised rewards model, it’s well-positioned to lead the future of alternative finance.
