logo
Apply Now
howzipworks-hero-mobile

Buy now,
pay later your way.

Join millions of Zip customers globally.

Sign up now

Buy now, pay later your way

Join millions of Zip customers globally.

Sign up now

A Zip account for everyone

A Zip account for everyone

Choose the account that suits you best

Most popular

$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 always
    Every transaction you make with Zip Pay is interest free always.
  • Flexible repayments
    From $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
  • No establishment fee
    Pay nothing to sign up.
  • $7.95 monthly account fee
    Pay your statement closing balance, in full, by the due date and we'll waive the fee.
  • Tap to pay everywhere
    Add your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
Most popular

$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 always
    Every transaction you make with Zip Pay is interest free always.
  • Flexible repayments
    From $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
  • No establishment fee
    Pay nothing to sign up.
  • $7.95 monthly account fee
    Pay your statement closing balance, in full, by the due date and we'll waive the fee.
  • Tap to pay everywhere
    Add 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 months
    Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate of 25.9% per annum. Interest, fees and charges are subject to change. Interest free term subject to minimum spend and promotional merchant offer.
  • Flexible repayments
    Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
  • One-off establishment fee
    A one-off establishment fee may apply for new customers.
  • $7.95 monthly account fee
    Waived if you have nothing owing.
  • Interest free instalment plans
    For 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 months
    Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate of 25.9% per annum. Interest, fees and charges are subject to change. Interest free term subject to minimum spend and promotional merchant offer.
  • Flexible repayments
    Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
  • One-off establishment fee
    A one-off establishment fee may apply for new customers.
  • $7.95 monthly account fee
    Waived if you have nothing owing.
  • Interest free instalment plans
    For 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

Sign up in minutes

Applying is fast and easy so you can start shopping today!

Shop just about everywhere

Shop just about everywhere

Shop at all your favourite places, online and instore, with the Zip app.

Flexible repayments

Flexible repayments

Our flexible repayments put you in control by letting you pay later at your own pace.

Getting started is easy

1
Choose your account
From everyday spending to bigger buys, we’ve got accounts to suit you.
2
Sign up in minutes
Applying is fast and easy. Simply start an application and get an answer in no time.
3
Download the app
Tap to pay instore, generate a single-use Visa, manage your account and more, all from the Zip app.
4
Repay your way
We give you the freedom to set your own schedule so you can pay at your pace.

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.

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.
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.
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.
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.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 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.

** 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 standard variable interest rate of 25.9% per annum as at 1 June 2023. Other charges may be payable, see T&Cs. 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.