Buy now, pay later.
Shop online and instore, interest free with Zip Pay.
Sign up nowBuy now, pay later.
Shop online and instore, interest free with Zip Pay.
Sign up nowEarn cashback through the Zip app
Earn cashback through the Zip app
A Zip account for everyone
A Zip account for everyone
Choose the account that suits you best
$350 - $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up nowExplore Zip Pay- Interest free alwaysEvery transaction you make with Zip Pay is interest free always.
- Flexible repaymentsFrom $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- No establishment feePay nothing to sign up.
- $7.95 monthly account feePay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay everywhereAdd your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
$350 - $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up nowExplore Zip Pay- Interest free alwaysEvery transaction you make with Zip Pay is interest free always.
- Flexible repaymentsFrom $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- No establishment feePay nothing to sign up.
- $7.95 monthly account feePay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay everywhereAdd your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up nowExplore Zip Money- Interest free for the first 3 monthsRetailers may offer longer interest free terms (6-48 months). At conclusion of the interest free period, interest will be charged at the standard annual percentage rate 19.9%.
- Flexible repaymentsEnjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- One-off establishment feeA one-off establishment fee may apply for new customers.
- $7.95 monthly account feeWaived if you have nothing owing.
- Interest free instalment plansFor purchases of $300 or more we'll set you up to repay in equal instalments to help you avoid interest charges.^^^
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up nowExplore Zip Money
We're not like the others
Flexible repayments
Shop securely online
Pay any bill with Zip
How Zip Works
Sign up
Verify your identity and link your debit card to create an account
Browse and shop
Use Zip at the checkout, pay nothing today. We pay the store.
Enjoy the goods
Nothing to pay upfront. No repayments until the end of next month.
Repay your way
Flexible repayments from $40/month - choose weekly, fortnightly or monthly.
Zip just about everything, everywhere. Add your Zip Pay Card to your phone's digital wallet so you can tap to pay everywhere you see the Contactless Symbol.*
Download the app for access to Zip exclusive offers, features, and so much more!
Join over 11 million Zip customers globally
Sign up nowAmazingly convenient
Zip is easy to manage. You know exactly how much you’ve spent and how much interest you are paying at any given point in time. The way that you can control your repayments is flexible and easy, as long as you make them within the month.
Louise, QLDAbsolute life saver
Bruh it’s like, the most useful thing in the world. Absolute life saver. No more tough situations with Zip Pay, as long as you can afford it! Thanks Zip Pay x
Ben, NSWIt’s like being able to borrow money from a friend
It’s safe to say Zip has gotten me out of some predicaments. I was being paid late and was in dire need of groceries. In a couple of taps, I was able to generate a grocery gift card, and saved my bacon (literally)!
Pete, NSWMore questions?
Here are some FAQs to help you get to know Zip better.
Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 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 credit limits between $1,000 and $3000 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 products and up to 36 months with some retailers^^^. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $7.95 monthly account fee applies.
Both products also feature our Shop Everywhere card, which you can use at any online retailer that accepts Visa*.
Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.
To shop instore, Zip Pay users can tap to pay at checkout.* To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.
To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.
See the full list where you can shop with Zip: https://zip.co/au/shop
Shop everywhere online where Visa is accepted with Zip's single-use card feature on the Zip mobile app. Or shop anywhere instore you see Zip at checkout - we’re partnered with 40,000+ retail stores.
Additionally, you can use your Zip account to pay BPay bills and buy gift cards for food, fuel and subscriptions.
Zip Business solutions can help your business grow.
Boost your sales by accepting Zip Payments.
Control your cashflow with Zip Business Trade, which gives you up to $3,000 to cover your business expenses, invoices and utility bills now, and pay us back later once you get paid.
Zip Business Capital can take your business to the next level with a line of credit up to $500k you could invest in equipment, inventory, staff, or new market growth.
Can’t find what your 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.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.
^^^ Zip Money is available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $7.95 monthly account fee applies. A one-off establishment fee may apply. 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.
*Tap to pay in store available with Zip Pay and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay, Zip Money, Zip Business Trade and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
† Credit approval criteria, fees and Trade T&Cs or Trade Plus T&Cs apply. ^ Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.
Can’t find what your 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.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.
^^^ Zip Money is available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $7.95 monthly account fee applies. A one-off establishment fee may apply. 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.
*Tap to pay in store available with Zip Pay and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay, Zip Money, Zip Business Trade and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
† Credit approval criteria, fees and Trade T&Cs or Trade Plus T&Cs apply. ^ Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.
Qantas has
landed at Zip.
Fly now and pay later when you book an eligible flight departing Australia on qantas.com and check out with your Zip account. Link your Qantas Frequent Flyer number in the Zip app to earn Qantas Points.*
Learn moreQantas has
landed at Zip.
Fly now and pay later when you book an eligible flight departing Australia on qantas.com and check out with your Zip account. Link your Qantas Frequent Flyer number in the Zip app to earn Qantas Points.*
Learn more
Pay your bills over time with Zip.
Treat yourself or a friend to something special.
Manage repayments, review purchases and more.
Save $10 for every
$100 spent.
Checkout with Zip and enter code 'ZIP'.**
Download the app for access to Zip exclusive offers, features, and so much more!
App exclusive
Zip Pay
Tap to pay with Zip
Tap to Pay with Zip everywhere you see the contactless symbol.*
App exclusive
Shop online, everywhere
Create a secure, single use card for shopping online. T&Cs apply.
Popular Categories
Explore over 40,000 retail partners.
How Zip Works
Learn how to get the best from your Zip account including flexible repayments and shopping instore and online.Learn how Zip worksHow Zip Works
Learn how to get the best from your Zip account including flexible repayments and shopping instore and online.Learn how Zip works
Explore more from Zip
Explore more from Zip
Choose the account that suits your spending
$350 - $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up nowExplore Zip Pay- Interest free alwaysEvery transaction you make with Zip Pay is interest free always.
- Flexible repaymentsFrom $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- No establishment feePay nothing to sign up.
- $7.95 monthly account feePay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay everywhereAdd your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
$350 - $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up nowExplore Zip Pay- Interest free alwaysEvery transaction you make with Zip Pay is interest free always.
- Flexible repaymentsFrom $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- No establishment feePay nothing to sign up.
- $7.95 monthly account feePay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay everywhereAdd your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up nowExplore Zip Money- Interest free for the first 3 monthsRetailers may offer longer interest free terms (6-48 months). At conclusion of the interest free period, interest will be charged at the standard annual percentage rate 19.9%.
- Flexible repaymentsEnjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- One-off establishment feeA one-off establishment fee may apply for new customers.
- $7.95 monthly account feeWaived if you have nothing owing.
- Interest free instalment plansFor purchases of $300 or more we'll set you up to repay in equal instalments to help you avoid interest charges.^^^
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up nowExplore Zip Money- Interest free for the first 3 monthsRetailers may offer longer interest free terms (6-48 months). At conclusion of the interest free period, interest will be charged at the standard annual percentage rate 19.9%.
- Flexible repaymentsEnjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- One-off establishment feeA one-off establishment fee may apply for new customers.
- $7.95 monthly account feeWaived if you have nothing owing.
- Interest free instalment plansFor purchases of $300 or more we'll set you up to repay in equal instalments to help you avoid interest charges.^^^
Have a question?
Here's some FAQ’s to help you get to know Zip better.
Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 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 credit limits between $1,000 and $3000 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 products and up to 36 months with some retailers^^^. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $7.95 monthly account fee applies.
Both products also feature our Shop Everywhere card, which you can use at any online retailer that accepts Visa*.
Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.
To shop instore, Zip Pay users can tap to pay at checkout.* To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.
To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.
See the full list where you can shop with Zip: https://zip.co/au/shop
Shop everywhere online where Visa is accepted with Zip's single-use card feature on the Zip mobile app. Or shop anywhere instore you see Zip at checkout - we’re partnered with 40,000+ retail stores.
Additionally, you can use your Zip account to pay BPay bills and buy gift cards for food, fuel and subscriptions.
Zip Business solutions can help your business grow.
Boost your sales by accepting Zip Payments.
Control your cashflow with Zip Business Trade, which gives you up to $3,000 to cover your business expenses, invoices and utility bills now, and pay us back later once you get paid.
Zip Business Capital can take your business to the next level with a line of credit up to $500k you could invest in equipment, inventory, staff, or new market growth.
# Refer a friend via the Zip app using your unique referral link, and when they successfully sign up for a Zip Pay Account using your referral link, and complete their first transaction, you will both earn $10 towards your Reward Goal. Redeemable when you reach your Reward Goal. To qualify, your friend must successfully sign up using the same mobile number that the invitation was sent to (be approved in accordance with our approval criteria) and complete their first transaction within 14 days of receiving your unique referral link. Promotion ends on 2022-07-31. Reward Program T&Cs apply.
**Offer valid 27/05/2022 - 29/05/2022 only. Spend $100 in one transaction to save $10 on Amart Orders (to a maximum spend of $1000 and maximum saving of $100) where you enter the code 'ZIP' at check out and check out with your Zip account. The discount will be applied at check out. This Offer is only available online & instore and full priced items. Excludes sale, gift cards, product protection plans & delivery. Not available with any other offer, negotiated discount or promotion. Available on new orders and cannot be used against existing orders. Zip account terms and conditions apply.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.
^^^ Zip Money: Available to approved applicants only. Instalment feature splits eligible purchases of $300 and above into equal repayments within the interest free period (excluding a monthly account fee of $7.95 and a one off establishment fee that may apply for new customers). Under the contract, minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free will be charged at the standard annual percentage rate, currently 19.9%. 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).
*Tap to pay in store available with Zip Pay and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay, Zip Money, Zip Business Trade and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
† Credit approval criteria, fees and Trade T&Cs or Trade Plus T&Cs apply.
^ Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.
11M+ customers across 14 countries
Over $16 billion in secure transactions since 2013
4.9/5 Apple App Store reviews out of 239k Zip app ratings
4.7/5 Google Play Store reviews out of 67k Zip app ratings