Choose an account to get started
Select your account
- Choose account
- Drop in details
- Quick ID check
- Approval
$350 - $1,000
Interest free always
Everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up now- Interest free always
- No establishment fee
- Repayments from $10 per weekYou can change the frequency of your payments to weekly, fortnightly or monthly, as long as you pay minimum $40 per month. Choose what works best for you!
- $7.95 monthly account fee$7.95 monthly fee, pay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay with Zip just about everywhere Contactless Payments are accepted*
$350 - $1,000
Interest free always
Everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up now- Interest free always
- No establishment fee
- Repayments from $10 per weekYou can change the frequency of your payments to weekly, fortnightly or monthly, as long as you pay minimum $40 per month. Choose what works best for you!
- $7.95 monthly account fee$7.95 monthly fee, pay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay with Zip just about everywhere Contactless Payments are accepted*
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up now- 0% interest for 3 monthsAny balance outstanding at the end of the interest free period will be charged at standard annual interest rate, currently 19.9%.
- One-off account establishment fee
- Repayments from $10 per week or 3% of the outstanding balance (whichever is greater)Repayments start from just $40 a month and are determined by your account’s credit limit. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period.
- $7.95 monthly account fee$7.95 monthly account fee, waived if you have nothing owing.
- Some purchases qualify for promotional interest free periods (up to 60 months)Any balance outstanding at the end of the interest free period will be charged at standard annual interest rate, currently 19.9%.
More 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 $1,000.^^ 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 $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 48 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 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.
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 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.
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.
Shop interest free with Zip Pay.
Get up to $1,000 for your everyday spending, with nothing to pay today.

No upfront payment
Earn exclusive cashback offers1
No establishment fee
Repayments from $10
$7.95 monthly fee
Tap and pay with Zip everywhere Contactless Payments are accepted*
Start shopping in minutes
Here’s what to expect when creating an account. It’ll only take a few minutes.
Create account
Quick ID check
Add payment method
Start shopping
More questions?
Here are some FAQs to help you get to know Zip better.
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.
Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,000.^^ 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 $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 48 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*.
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.
Choose an account to get started
Select your account
- Choose account
- Drop in details
- Quick ID check
- Approval
$350 - $1,000
Interest free always
Everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up now- Interest free always
- No establishment fee
- Repayments from $10 per weekYou can change the frequency of your payments to weekly, fortnightly or monthly, as long as you pay minimum $40 per month. Choose what works best for you!
- $7.95 monthly account fee$7.95 monthly fee, pay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay with Zip just about everywhere Contactless Payments are accepted*
$350 - $1,000
Interest free always
Everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up now- Interest free always
- No establishment fee
- Repayments from $10 per weekYou can change the frequency of your payments to weekly, fortnightly or monthly, as long as you pay minimum $40 per month. Choose what works best for you!
- $7.95 monthly account fee$7.95 monthly fee, pay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay with Zip just about everywhere Contactless Payments are accepted*
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up now- 0% interest for 3 monthsAny balance outstanding at the end of the interest free period will be charged at standard annual interest rate, currently 19.9%.
- One-off account establishment fee
- Repayments from $10 per week or 3% of the outstanding balance (whichever is greater)Repayments start from just $40 a month and are determined by your account’s credit limit. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period.
- $7.95 monthly account fee$7.95 monthly account fee, waived if you have nothing owing.
- Some purchases qualify for promotional interest free periods (up to 60 months)Any balance outstanding at the end of the interest free period will be charged at standard annual interest rate, currently 19.9%.
More 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 $1,000.^^ 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 $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 48 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 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.
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 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.
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.