Zip Pay & Zip Money | Buy Now Pay Later, Flexible Payments

Choose an account to get started

Select your account

Most popular

$350 - $1,000

Interest free always

Everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.

Interest free always
No establishment fee
Repayments from $10 per week
You 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.

0% interest for 3 months
Any balance outstanding at the end of the interest free period will be charged at the standard variable rate 23.9% per annum.
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 the standard variable rate 23.9% per annum.

Over $1,000

Bigger purchases

For buying that road bike, new sofa or renovating your home.

Features

Bundle purchases into weekly, fortnightly or monthly repayments

Tap to pay instore, everywhere Visa is accepted

Securely pay online with a single-use card

Earn cashback or Qantas Points with Zip Rewards

Pay BPAY® Billers

Use instore

Everywhere Visa is accepted.

At over 43,000 merchants.

Get refund support with Buyer Protection

Limits & Repayments

Interest free period

Interest free always

3 months to 5 years

Get up to 5 years interest free terms at select merchants.

Credit limit

$350–$1,000

Increasing up to $2,000 based on good repayment behaviour.

$1,000–$5,000

Apply through Zip merchants for up to $50,000.

Flexible repayments

From just $10 a week

Repay $10 weekly, $20 fortnightly, or $40 monthly.

From $40/month or 3% of balance owing. Whichever is greater

Set a repayment schedule that suits you.

Set and forget instalment plan

For purchases over $300

Repayments are automatically split into equal instalments to help you avoid interest charges.

Fees & Rates

Interest rate

Interest free

Interest free for a minimum 3 months, standard variable rate of 23.9% p.a. thereafter

Pay off within the interest free period to avoid interest.

Establishment Fee

$0–$99

One off fee based on approved credit limit may apply.

Monthly account fee

$7.95

Waived if you pay your statement closing balance in full by the due date.

$7.95

Waived if nothing owing.

More questions?

Here are some FAQs to help you get to know Zip better.

What’s the difference between Zip Pay and Zip Money?

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 Single-use card, which you can use at any online retailer that accepts Visa*.

Is Zip suitable for everyday purchases?

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.

Where can I shop with Zip?

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.

How do repayments work?

Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.

What are the fees?

With Zip Pay 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 Money a $7.95 monthly account fee applies which is waived if you have nothing owing.

How do refunds work?

If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

How can Zip help with my business?

Zip Business solutions can help your business grow.

Boost your sales by accepting Zip Payments.

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.

Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?

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 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: 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 $7.95 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 standard variable rate, 23.9% per annum as at 1 December 2022. 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).

*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.

Rewards: Redeemable when you reach the Rewards Goal. Rewards Program, Promotion and Zip Rewards QFF Offer T&Cs apply, available here.

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.