# Clearpay vs Zilch: which pay-later referral is worth more in 2026?

> It turns on whether you have a purchase in mind. Clearpay pays double — £10 — but only against an eligible basket of £50 or more, making it a 20% discount at exactly £50. Zilch pays £5 and requires no spending whatsoever. If you were buying something around £50, take Clearpay. If not, Zilch is the one that pays you with nothing to buy. Claiming both is the value-maximising move.

Last checked: 2026-09-21. Page: https://topreferrals.co.uk/compare/clearpay-vs-zilch

## Key takeaways
- Clearpay: £10 off an eligible purchase of £50 or more — a 20% discount at exactly £50, diluting as the basket grows.
- Zilch: £5 in Rewards for completing sign-up, ID checks and card issue within 30 days — no purchase at any stage.
- Clearpay is stricter on eligibility: no account held in the previous 12 calendar months, and the Channel Islands are excluded.
- They are separate programmes with separate eligibility, so claiming both is the value-maximising move.

## Compared offers
- **[Clearpay](https://topreferrals.co.uk/referrals/clearpay)** — you get £10 off (£10 towards a £50 order).
  - Code: `BEHZA-T6T77`
  - Link: https://clearpay.onelink.me/ah1q/y29lzkhk
- **[Zilch](https://topreferrals.co.uk/referrals/zilch)** — you get £5 in Rewards (£5 in Rewards, no spend needed).
  - Code: `o7wikj98`
  - Link: https://zilch.onelink.me/x8EV/o7wikj98

These two look like the same category of offer and behave completely differently. One is a discount; the other is a payment for turning up. Which is worth more to you depends on a single question you can answer in a second.

## The question: do you have a £50 purchase in mind?

If yes, take **[Clearpay](/referrals/clearpay)**. If no, take **[Zilch](/referrals/zilch)**. Everything below is the reasoning.

## Clearpay: double the money, conditional on spending

Clearpay pays **£10**, applied to an eligible purchase of **£50 or more**. Because it is a fixed amount against a minimum threshold, the effective discount depends entirely on basket size:

- £50 → 20% off
- £100 → 10% off
- £150 → 6.7% off

**Twenty percent is a serious discount** — better than most seasonal sales — and it is available only by landing close to £50. The purchase splits into four equal interest-free instalments, with the £10 coming off the total before it divides.

The thing to know is that the £10 applies to a transaction rather than sitting in an account as credit — so it pairs with a purchase you were already planning, which is exactly when it is worth most.

## Zilch: half the money, no conditions at all

Zilch pays **£5 in Rewards** for completing sign-up, identity verification and card issue within **30 calendar days**. That is the entire requirement. No purchase, no basket, no minimum, no threshold.

It is the only offer in this directory that asks you to buy nothing, which means it is the only one where the reward is not partly a discount on your own money. Judged as return-on-outlay rather than headline figure, £5 for £0 spent beats £10 for £50 spent.

Zilch also places **no cap on referrals**, where Clearpay limits each customer to five.

## Eligibility: Clearpay is the stricter of the two

Clearpay requires:

- **No active account, and none held in the previous 12 calendar months**
- Aged 18 or over
- **Permanently resident in the UK, excluding the Channel Islands**
- The code entered **at sign-up in the app**

Zilch requires you to be **new to Zilch**, **18 or over** and **UK resident**, registering through the link.

The twelve-month cooling-off rule is the one that disqualifies people unexpectedly. A dormant Clearpay account from ten months ago rules you out; the equivalent would not rule you out of Zilch.

## Form of the reward

Neither pays cash. Clearpay's £10 comes off a purchase. Zilch's £5 lands as **Zilch Rewards** inside the app. If you never use either service again, Zilch's £5 sits unspent while Clearpay's £10 has already done its work by reducing a bill you were paying.

That is a genuine point in Clearpay's favour for anyone who was going to buy something anyway.

## Where the rest of the sector sits

[Klarna](/referrals/klarna) pays £10 into a **withdrawable** balance, the most flexible reward of the three, but requires taking the Klarna Card and making three separate £5 purchases. [Zable](/referrals/zable) is a different product entirely — FCA-regulated credit with a soft-search eligibility check that leaves no mark on your file.

## The verdict

**Claim both.** They are separate programmes with separate eligibility, so there is no reason to choose if you qualify for each — Zilch's £5 costs you nothing to collect, and Clearpay's £10 waits until you have a £50 basket to put it against.

If you must pick one: **Clearpay when a purchase around £50 is already planned**, because 20% off is the best single-purchase rate in this directory. **Zilch otherwise**, because £5 for a completed sign-up is the easiest reward on the site.

## Side by side

|  | Clearpay | Zilch |
| --- | --- | --- |
| Reward to you | £10 | £5 |
| Spend required | £50 minimum | None |
| Effective rate | 20% at exactly £50 | No spend to measure |
| Qualifying step | One eligible £50+ basket | Sign-up, ID check, card issue |
| Window | First qualifying purchase | 30 calendar days |
| Eligibility | No account in past 12 months | New to Zilch |
| Geography | UK excl. Channel Islands | UK |
| Referral cap | Five per customer | None |

## FAQ

### Which pays more, Clearpay or Zilch?
Clearpay pays £10 against Zilch's £5, so on the headline figure Clearpay wins. But Clearpay's £10 applies to a basket of £50 or more, while Zilch's £5 needs no spending at all — so Zilch is the one that pays you with no purchase attached, and Clearpay is the one that pays most when you already have something to buy.

### Can I claim both Clearpay and Zilch?
Yes. They are entirely separate programmes with separate eligibility tests, so claiming both is the value-maximising move if you qualify for each.

### Why is Clearpay's £10 described as 20% off?
Because it is a fixed £10 against a £50 minimum. At exactly £50 the discount is 20%; at £100 it is 10%; at £150 it is 6.7%. Sizing the basket close to the threshold extracts the highest effective rate.

### Which has stricter eligibility?
Clearpay. It requires no active account and none held in the previous 12 calendar months, and excludes the Channel Islands. Zilch simply requires you to be new to Zilch and resident in the UK, aged 18 or over.

### Are these products regulated?
Both are buy-now-pay-later products, which come under FCA supervision in the UK from 15 July 2026. Zable, by contrast, is an FCA-regulated credit card already.