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Discover how Zip works

Join millions of Zip customers globally.

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Choose a Zip account that suits you best

Zip Pay Logo

Up to $1,000

For your everyday

Sign up for Zip Pay
  • Interest free always
  • $9.95 monthly account fee 
  • No establishment fee
  • Repay from $10/week 
  • Tap to pay with Zip just about everywhere Contactless Payments are accepted*
Zip Plus Logo

$2,000 to $4,000

For your everyday, plus more.

Sign up for Zip Plus
  • Interest free when your end of month balance is under $1,5001 
  • $9.95 monthly account fee 
  • No establishment fee
  • Repay from $20/week 
  • Tap to pay with Zip just about everywhere Contactless Payments are accepted*
Zip Money Logo

Up to $5,000

For your not-so-everyday

Sign up for Zip Money
  • 3-60 months interest free 
  • $9.95 monthly account fee 
  • One-off account establishment fee may apply for new customers
  • Repay from $10/week
Compare Zip accounts

Getting started is easy

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.

Frequently Asked Questions

  • Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0002. You can buy what you love and enjoy the flexibility of paying it off over time.
    • Apply in under 4 minutes and start shopping instantly once approved
    • Use Zip Pay instore and online everywhere Visa is accepted
    • Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.
    Zip Plus is a great value digital credit card with interest free and waived fee options. You’ll have more spending power than Zip Pay, with access to a credit limit of $2,000- $4,0001.
    • Use Zip Plus instore and online everywhere Visa is accepted
    • Reduce your owing balance to $1,500 at the end of each month and you’ll pay no interest at all. If your owing balance is over $1,500 at the end of the month, a low interest rate of 12.95% p.a applies.
    • Repay from $20/week
    • Shop globally, with no international transaction fees
    • A $9.95 monthly account fee applies, waived if there is no balance owing at the end of each month.
    Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers3.
    • Repay from $10/week
    • A one-off establishment fee for certain credit limits may apply
    • A $9.95 monthly account fee applies, waived if nothing owing at the end of each month.

  • 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've partnered with 55,000+ retail stores.

    Additionally, you can use your Zip account to pay BPay bills4 and buy gift cards for food, fuel and groceries.

  • 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 $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 Money a $9.95 monthly account fee applies which is waived if you have nothing owing.

    For Zip Pay, one late payment fee of $5. A customer will be charged an additional late fee where they have caught up on all repayments and then miss another repayment at a later date.

References

  • 1 Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. 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 Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card 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 Instalments: 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. 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 and will vary depending on your credit limit. 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).
  • ** Tap to pay in store available with Zip Pay and Zip 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 and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
  • 4 Payments may take up to 5 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 $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518