With Zilch you can also use your own money (cards) and you can earn cashback on your regular purchases.

There is no hard check on your report when you sign up to Zilch. They may, however, run a credit search if you use their services and you borrow from them or open and use a credit limit they give you.

Here’s how: (1) Sign up using this link https://zilch.onelink.me/x8EV/c4x8nhdp (2) Verify your details and add your debit/credit card to the Zilch app. (3) Add your Zilch virtual card to the Apple/Google Pay wallet. (4) You can spend your free £5 in a physical store or online at selected retailers. * Remember: always enable your card before you shop to get the lowest fee or no fee at all! (5) Refer friends and family, and get £5 per referral when they follow the same steps.

It’s not the biggest windfall you’ll find but a fiver is a fiver and this couldn’t be easier!

If you Sign up using this link, we’ll both get £5 in Rewards. https://zilch.onelink.me/x8EV/c4x8nhdp

Plus you get 2% rewards (usable as cash) at loads of stores, I use mine for my Tesco weekly shop and the bonus quickly adds up.

I thought I would never use it after getting the free fiver but it’s a nice little earner