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Download the app for access to Zip exclusive
offers, features, and so much more!

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4.9App store rating

Millions of shoppers globally and counting

Shop just about everywhere with the app

  • Online shopping

    Single-use card

    Generate a single-use card that allow you to shop online wherever Visa is accepted. It’s a one-time use virtual card so you can shop online with a peace of mind.*
  • Instore shopping

    Tap to Pay with Zip Pay

    Add Zip Pay to your phone’s digital wallet and pay everywhere you see the contactless symbol. Just tap and pay wherever you shop - interest free.*

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.**

Purchase gift cards on the app

The perfect present, delivered in seconds. Choose from over 200 great brands with flexible amounts from $25 to $1000. Add a personal message, and send it now or schedule it for that special day. Gift card T&Cs apply.

Shop gift cards

Easily manage your repayments

Set your repayment schedule in the Zip app! Repay a minimum of $40 per month. Choose weekly, fortnightly or monthly repayments.

Features to navigate day-to-day life with ease

  • Shop confident with Product Protection

    Shop with ease when you add Product Protection from Zip. Get an instant quote and worldwide cover for your items against damage, theft, and more.

  • Pay your bills

    Use Zip with over 60,000 BPAY® Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There's just a small $2.50 processing fee when using Zip Money, no matter how big your bill is.1

  • Manage subscriptions

    Automatically pay and easily track your favourite subscription services, all in one place. We’ll let you know when payments are made, and you can manage and pause everything directly from the Zip app. Zip Pay only. Merchant Card T&Cs apply.

Download the app to get started

Get instant access to shop now, pay later at thousands of brands—online or in-store.


  • * 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.
  • ** Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details.
  • 1 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