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Spend your
day with Zip
Buy now. Pay later.
Just about everywhere.
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
Bigger purchases account.
Get a minimum of 3 months interest free on every purchase, always.2
Sign up now
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.
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.
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.3
Choose Zip at checkout
Speed through checkout at over 43,000 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.3
Pay BPAY® Billers
Pay your bills and repay us on a schedule that suits you, spreading the cost over time.4
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.
VerifiedIn 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!
VerifiedVery helpful in need!
Zip is very helpful when you don't have money in your savings or credit card. Instalment payments are very flexible.
VerifiedZip 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.
VerifiedJust 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.
VerifiedI CAN USE THIS ANYWHERE!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.
VerifiedAlways there
If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.
VerifiedConvenient and helpful
When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interest
VerifiedFrequently Asked Questions
Yes! However, Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.
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.
References
- 1 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. Available to approved applicants only. T&Cs apply
- 2 Zip Money: Available to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 23.9% per annum as at 1 December 2022. Other charges may be payable, see T&Cs. Interest, fees and charges 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.
- 3 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.
- 4 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, 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.