Zilch User Reviews

Customer Experience

Positive experience65.3% of reviews
Neutral3.2% of reviews
Negative experience31.6% of reviews

~ Based on 412 written reviews from the US App Store.

What users say

Is Zilch Safe?

Zilch: Smart Credit appears safe based on user ratings. AppsHunter Safety Score for Zilch is 98/100.

This assessment is based on 21,480 user ratings, with an App Store average of 4.9/5.

Safety Analysis

40.5% of ratings point to a safe experience
9.3% of ratings suggest some concerns
50.2% of ratings point to a risky experience

~ Based on 247 App Store ratings for Zilch.

Is Zilch Legit?

Zilch: Smart Credit appears to be a legitimate app. AppsHunter Legitimacy Score for Zilch is 83/100.

Based on 83 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Love Zilch

Zilch is amazing! It’s extremely helpful when you need to spread the cost of something. No hidden charges or interest, it will literally tell you how much you’re paying and what the fee is! Plus you get rewards for using the app which you can use on future purchases.

Very good

I love zilch

Easy to use

Zilch is such a great little app. It’s straightforward and easy to use.

Zlich

Świetna aplikacja polecam

Brilliant app

Helps me a lot when I’m struggling deffo worth it as you don’t have to pay all in one go

Keith

Very good

Best card

The best card I ever had

Terrible Customer Service

When the app works it’s fantastic, however sometimes it just spontaneously declines transactions. There are a number of hidden limits that they don’t tell you about or track anywhere (even with pay now) but even when it’s not those, when you ask customer service they just bounce you from agent to agent and tell you those same limits again and refuse to reply with an actual reason.
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All good

All good comes in handy

Ms

An amazing bank . So helpful

A+

Great smart credit

Mr

Best service

Can’t use it

I got 180 limit and it’s not letting me use it

Very happy

I love it this app, it’s easy and practical to use, give me opportunity to upgrade my credit and flexibility payments

Deductions

They deduct the total amount of the purchase on the credit balance instead of the first instalment

The best

The best and easy..

Do not install

Scam

Great app

Very good account

Me

Love how this works

I just don’t understand

£2.50 fee just to use the card + £1 over £75 it makes no sense why anyone would ever use one of these over a credit card