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Spend your day with Zip

Buy now. Pay later.
Just about everywhere.

4.9App store rating

Millions of shoppers globally and counting

Zip makes life more affordable by spreading the costs of your purchases over time.

You'll pay nothing upfront. And repay weekly, fortnightly or monthly on a schedule that suits you.

So you can spend with confidence, knowing you're in control of tomorrow.

Zip Accounts

  • Zip Pay logo

    Everyday account, interest free.

    Enjoy $350–$1,000 to spend instantly once approved.1

    Sign up now
  • Zip Money logo

    Bigger purchases account.

    Get a minimum of 3 months interest free on every purchase, always.2

    Sign up now
Zip Pay logo

For your everyday,
there's Zip Pay

For your everyday,
there's Zip Pay

Apply for up to $1,000 to spend, interest free always.

Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or monthly on a schedule that suits you, with no interest ever. With Zip, you're more in control of whatever comes your way.

Zip Money logo

For your not-so-everyday, there's
Zip Money

For your not-so-everyday, there's
Zip Money

Apply for up to $5,000 credit to help you pay for your next step in life, every step of the way.

For the expected and unexpected. For renovations and celebrations. With a minimum 3 months interest free on every purchase and up to 5 years interest free at select Zip merchants, Zip Money is there for you when you need it the most.

Repayment flexibility

We're not like the others. We'll bundle your purchases and let you align your repayments to suit your pay cycle.

Repay on a convenient weekly, fortnightly or monthly schedule.

Problem with a purchase?
No problem

Shop safely with Zip and if something goes wrong with your purchase, doesn't arrive, or is significantly not as described–don't stress. We're here to support you throughout the refund process with our Buyer Protection Policy. Eligibility and exclusions apply. View Buyer Protection details.

Earn instant cashback

Not only are we flexible, we're rewarding too. Earn instant cashback when shopping at our rewards partners.

Download the Zip app to browse and activate our range of offers.*

Shop cashback offers

Some of our merchants

All your purchases.
All the ways to pay.
All spread over time.

Tap to Pay with Zip Pay

Add Zip Pay to your phone's digital wallet to use everywhere Visa is accepted.**

Choose Zip at checkout

Speed through checkout at over 52,000 Zip merchants.

Use a single-use card

Gone are the days of finding your wallet. Create virtual payment cards for one time use and never share your card details again. The safe, secure and private way to pay online.**

Pay BPAY® Billers

Pay your bills and repay us on a schedule that suits you, spreading the cost over time.3

All this and lots more.
All inside the Zip app.

Loved by millions of shoppers globally and counting

Reviews from the App Store

Best buy now pay later option available.

Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and apple wallet tap and pay features.


In Love with Zip Pay.

I wish I could give them more than 5 stars! Lucky to be born in the world of Zip, helped me get through many difficult times. Thank you so much Zip Pay. I love you!


Very helpful in need!

Zip is very helpful when you don't have money in your savings or credit card. Instalment payments are very flexible.


Zip is the best among them

I’ve used all the other platforms, and I think none is close to Zip. The flexibility and unlimited nature of transactions from BPay to Credit Card to in app purchasing. None of the others come near to it.


Just love knowing I have Zip

I feel I have my own independence being able to have a system like Zip. I can purchase items I love for myself and for others too. To be able to pay back what I can afford without breaking the budget.



Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.


Always there

If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.


Convenient and helpful

When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interest


Frequently Asked Questions

  • Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,0001. Repayments are based on a minimum monthly payment from as little as $10 per week. A $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet**.

    Zip Money is a line of credit with limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all purchases and up to 60 months with some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $9.95 monthly account fee applies, waived if your balance owing is $0 at the end of the month.

    Both products also feature our Shop Everywhere card, which you can use at any online retailer that accepts Visa**.

Can't find what you're looking for?

Get all the support you need, when you need it by exploring the help centre or by contacting our team at Zip HQ in Sydney.


  • Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
  • 1 Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.
  • 2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).
  • * Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details.
  • ** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single-use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
  • 3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518