Cashback
How to Earn 1% on Every Purchase with Zilch & SumUp
Written by Charlie (Admin)Updated 9 September 2026

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Looking to squeeze every bit of cashback from your everyday spending? By combining Zilch and SumUp, you can earn a guaranteed 1% cashback on every transaction, plus £15 in sign-up bonuses to get you started! Here’s how it works.
What Are Zilch & SumUp?
- Zilch is a buy now, pay later (BNPL) service that also offers 0.5% cashback on all transactions when you choose ‘Pay Now’. At select retailers, you can even earn 2% cashback– just search for the store in Zilch, select ‘Pay Now’, and ensure your card is activated to receive the higher cashback rate. Sign up to Zilch and get a £5 bonus here.
- SumUp is a digital payments provider with a free SumUp Personal Account that includes a 0.5% cashback debit card. You can sign up for SumUp here and claim a £10 bonu s.
By linking your SumUp card to Zilch, you can effectively stack both cashback rates, earning 1% cashback on every transaction – and more at select Zilch retailers!
How to Link Zilch & SumUp for Double Cashback
- Open your Zilch account and navigate to ‘Account’.
- Go to ‘Zilch Account Details’ and select ‘Connect Debit Card’.
- Enter your SumUp debit card details.
- Once linked, every time you use Zilch to pay, the funds will be instantly pulled from your SumUp account, allowing you to earn 0.5% cashback from Zilch + 0.5% cashback from SumUp = 1% cashback total!
Where Can You Earn Extra Cashback?
While you’ll always earn 1% cashback using this method, don’t forget that Zilch offers 2% cashback at select retailers. Simply search for the retailer in Zilch, choose ‘Pay Now’, and ensure your card is activated before making a purchase.
For a deeper dive into how Zilch rewards work, check out our full guide here.