

A Zip account for everyone
A Zip account for everyone
Choose the account that suits you best
$350 - $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up now- Interest free alwaysEvery transaction you make with Zip Pay is interest free always.
- Flexible repaymentsFrom $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- No establishment feePay nothing to sign up.
- $7.95 monthly account feePay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay everywhereAdd your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
$350 - $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Sign up now- Interest free alwaysEvery transaction you make with Zip Pay is interest free always.
- Flexible repaymentsFrom $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- No establishment feePay nothing to sign up.
- $7.95 monthly account feePay your statement closing balance, in full, by the due date and we'll waive the fee.
- Tap to pay everywhereAdd your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up now- Interest free for the first 3 monthsFor new customers (post 1 May 2023) the standard variable annual interest rate is 23.9%. The applicable interest rate is subject to change. Interest free term subject to minimum spend and promotional merchant offer.
- Flexible repaymentsEnjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- One-off establishment feeA one-off establishment fee may apply for new customers.
- $7.95 monthly account feeWaived if you have nothing owing.
- Interest free instalment plansFor purchases of $300 or more we'll set you up to repay in equal instalments to help you avoid interest charges.**
Over $1,000
Bigger purchases
For buying that road bike, new sofa or renovating your home.
Sign up now- Interest free for the first 3 monthsFor new customers (post 1 May 2023) the standard variable annual interest rate is 23.9%. The applicable interest rate is subject to change. Interest free term subject to minimum spend and promotional merchant offer.
- Flexible repaymentsEnjoy the freedom to set your schedule to weekly, fortnightly or monthly.
- One-off establishment feeA one-off establishment fee may apply for new customers.
- $7.95 monthly account feeWaived if you have nothing owing.
- Interest free instalment plansFor purchases of $300 or more we'll set you up to repay in equal instalments to help you avoid interest charges.**
How is Zip different?
Sign up in minutes
Applying is fast and easy so you can start shopping today!
Shop just about everywhere
Shop at all your favourite places, online and instore, with the Zip app.
Flexible repayments
Our flexible repayments put you in control by letting you pay later at your own pace.
Getting started is easy




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 Single-use 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 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 applicable variable rate. The applicable standard variable rate is 25.9% per annum, as at 1 May 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).
*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.
^ 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.