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Buy Now Pay Later just about everywhere in Australia

When it comes to the things you need, we've got you covered. Zip is one of Australia's leading buy now pay later companies, and we can help you to own the little things and big things in life, sooner. Zip is fast, easy, and can be used to shop just about everywhere. Start enjoying more with Zip.

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With Zip you can shop with more flexibility

The popularity of buy now pay later Australia-wide has exploded, and it's easy to see why. It's a fast and simple way to purchase new products. Zip allows you to shop just about everywhere, online and instore. With Zip, you can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.

  • Shop online or in-store

    Zip is accepted at over 40,000 partners across Australia & New Zealand. Simply choose Zip at checkout online or simply Tap to pay with Zip everywhere contactless payments are accepted.*

  • Earn rewards with Zip

    Be rewarded for shopping with Zip and effortlessly earn instant cashback that you can redeem directly into your Zip Account or Qantas Frequent Flyer account.1

  • Flexible payments

    Pay nothing upfront wherever you shop with Zip Pay. Choose to spread the cost of your purchases over weekly, fortnightly or monthly payments to suit your schedule.

Choose an account to get started

Apply in minutes for Zip Pay or Zip Money. If approved, you'll see your available spend and be ready to shop immediately. Say goodbye to waiting for weeks for what you want today - buy it now and pay later.

How does Zip work?

Learn how to get the best from your Zip account including flexible repayments and shopping instore and online.

Download the app to get started

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

Frequently Asked Questions

  • Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10002. 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 credit 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 products and up to 36 months with some retailers3. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $9.95 monthly account fee applies.

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


  • 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.
  • * 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.
  • 1 Redeemable when you reach the Rewards Goal. Rewards Program T&Cs and Zip Rewards QFF Offer T&Cs apply.
  • 2 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.
  • 3 Zip Money: 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).