TERMS & CONDITIONS - Win a share of $30K Zip Credit

Schedule to Terms & Conditions of entry

Promotion name

Win a share of $30K in Zip Credit (Promotion)

Eligible States/Territories

All states and territories in Australia

Promotion period

Start: 12:01AM AEST 15 JUNE 2026 End: 11:59PM AEST 30 JUNE 2026 No entries will be accepted outside this time.

Website address

https:/zip.co/au/page/terms-eofy-competition

Promoter

Zip Money Payments Pty Ltd

ABN: 58 164 440 993

Level 7, 180 George Street Sydney NSW 2000

Eligible entrants

Entry to the Promotion is open to Australian residents aged 18 years or older who hold or open a Zip Pay, Zip Plus or Zip Money account (“ZIP Account”) and meet the Method of Entry requirements.

Entry into the Promotion is deemed to be acceptance of these Terms and Conditions of entry, the terms and conditions with respect to the Zip Pay, Zip Plus or Zip Money Account (“Zip Account terms and conditions”) and Zip’s Privacy Policy. All details and instructions form part of the terms and conditions of the promotion.

This Promotion is subject to your Zip Account (used to participate in the Promotion) remaining open and being kept in good standing for the duration of the Promotional Period and until you receive the prize (if applicable).

Entrants must maintain their Zip Account in good standing for the duration of the Promotion Period and until prizes are awarded.

Details of Prizes

Thirty (30 prizes) are available Each prize consists of $1,000 Zip Credit applied to the winners’ Zip account.

Total number of prizes

30

Total Prize Value

Total prize pool (inc GST): $30,000 AUD in Zip Credit

Method of Entry

To enter during the Promotion Period, you must have an Zip Pay, Zip Plus or Zip Money account (“Zip Account”).

Existing customers:

• Hold an active Zip Account; and
• Complete one or more Eligible Actions during the Promotion Period.

New customers

• Sign up and be approved for a Zip Account during the Promotion Period; and
• Complete one or more Eligible Actions during the Promotion Period.

For the purposes of this Promotion: "Eligible Purchase" means a transaction made using an Zip Account that is not cancelled, refunded or reversed. If an Eligible Purchase is in any way cancelled, refunded or varied, the Promoter reserves the right to disqualify the Eligible Entry.

Eligible Actions include: Making an Eligible purchase of $0.01 or more using your Zip Account during the Promotion Period ( 1 entry)

Bonus Entries

• Making an Eligible purchase of $0.01 or more through the Zip app (5 entries)
• Making an Eligible Purchase on everyday spend including groceries, fuel, bills and subscriptions (10 entries);
• Making an Eligible Purchase over $250 using Zip Money (10 entries).

Stacking of entries A single Eligible Purchase may qualify for multiple entry types and will receive all applicable entries. The maximum number of entries for a single transaction is 26.

For example, if an entrant makes an Eligible Purchase through the Zip app, they will receive:

• 1 entry for the Eligible Purchase; and
• 5 bonus entries for completing the purchase via the Zip app resulting in a total of 6 entries for that transaction.

If the same transaction also qualifies for other bonus entry categories, those bonus entries will be added.

EOFY Daily Drop (Zip App Game): Eligible Entrants may receive additional entries through the EOFY Daily Drop game. To participate, an Eligible Entrant must click through the targeted in-app ‘EOFY Daily Drop’ communication and reach the final screen during the Promotion Period. Upon completion, the entrant will be awarded 1 entry. Participation is limited to one (1) per customer per day. Only customers who receive this targeted communication are eligible.

Each completed Eligible Action constitutes an entry (“Eligible Entry”).

Maximum number of entries

Unlimited

Maximum Prizes per Customer

Unlimited

Prize Draw

A random prize draw will occur at 11:00am AEST 22 July 2026. The $1,000 in Zip credit will be applied to the customer's Zip account 30 business days after the draw.

Location of draw:

Zip Money Payments Pty Ltd

Level 7, 180 George Street Sydney

NSW 2000 Australia

Notification of winners

Winners will be notified within 2 business days of the draw. The winner will be contacted in writing via email and may also be contacted by phone to claim the prize. The winner must ensure they have a valid phone number and email address associated with their Zip account to be notified.

Public Announcement of Winners

Announced on [ https:/zip.co/au/page/terms-eofy-competition] (https:/zip.co/au/page/terms-eofy-competition) by 11 August 2026

Unclaimed Prize Draw

An Unclaimed Prize Draw if required will occur at 10:00am AEDT on 25 June 2026

Location of draw: Zip Money Payments Pty Ltd Level 7, 180 George Street Sydney NSW 2000 Australia

Notification of unclaimed prize winners

Unclaimed prize winners will be notified via phone and email within 2 business days of the Unclaimed Prize Draw. The unclaimed winner will be contacted by phone and email to claim the prize. The winner must claim the prize by 10:00am AEDT 15 June 2026.

Unclaimed Prize Draw

The winners of unclaimed prizes will be published on [ https:/zip.co/au/page/terms-eofy-competition] (https:/zip.co/au/page/terms-eofy-competition) on 22 August 2026

Permit References

NSW Authority No. TP/03752, ACT Permit No. TP 26/01183, SA Permit No. T26/918

Terms & Conditions of entry

Terms & Conditions of entry

1. Information on how to enter and prize details form part of these terms & conditions (Terms of Entry). The Terms must be read in conjunction with the Schedule to the Terms & Conditions of entry (Schedule). The Schedule defines the terminology used in these Terms of Entry. Where there is any inconsistency between these Terms and the Schedule, the Schedule prevails. Participation in this Promotion is deemed acceptance of these Terms of Entry.
2. Entry is open only to legal residents of the Eligible States/Territories who satisfy the Method of Entry. Directors, officers, management, employees, suppliers (including prize suppliers) and contractors of the Promoter and of its related bodies corporate, and of the agencies and companies associated with this Promotion, including the competition permit providers TPAL (Trade Promotions and Lotteries Pty Ltd) are ineligible to enter.
3. The Promotion will be conducted during the Promotion Period.
4. The time zone applicable to any time stated, relates to the state or territory where the Promoter is located, unless expressly stated to the contrary.
5. The prize/s are specified in the Details of Prizes section of the Schedule.
6. The total prize pool is specified in the Total Prize Value section of the Schedule.
7. Any prize is valued in Australian dollars unless expressly stated to the contrary.
8. Any Cash prize will be distributed via EFT.
9. Entrants are advised that tax implications may arise from their prize winnings and they should seek independent financial advice prior to acceptance of their prize(s). The Promoter accepts no responsibility for any tax implications that may arise from accepting a prize. Entrants are responsible for any and all expenses that they incur in entering the competition and they will not be reimbursed regardless of whether or not they win the competition.
10. The entrants must follow the Method of Entry during the Promotion Period to enter the Promotion. Failure to do so will result in an invalid entry. The Promoter will not advise an entrant if their entry is deemed invalid.
11. The time of entry will be deemed to be the time the entry is received by the Promoter.
12. Entrants may submit up to the Maximum number of entries (if applicable).
13. The Promoter accepts no responsibility for any late, lost, delayed, incomplete, incorrectly submitted, corrupted, illegible or misdirected entries, claims or correspondence whether due to omission, error, alteration, tampering, deletion, theft, destruction, disruption to any communication network or medium, or otherwise including those entries not received by the Promoter for any reason. The Promoter is not liable for any consequences of user error including (without limitation) costs incurred. No correspondence will be entered into.
14. The prize(s) will be awarded to the valid entrant(s) drawn randomly in accordance with the Prize Draw details. The Promoter may draw additional reserve entries (and record them in order). In the event of an invalid entry or an ineligible entrant, or if the entrant is ineligible to accept the prize, the prize will be awarded to the first reserve entry drawn. If the prize can’t be awarded to the entrant drawn, the promoter will then continue this process until the prize is awarded.
15. The winner does not need to be present at the draw unless expressly stated to the contrary.
16. The winner(s) will be notified in accordance with the Notification of winners and Notification of unclaimed prize winners (if applicable) sections of the Schedule. Notification to winners will be deemed to have occurred on the later of the time the winner receives actual notification from the Promoter or two business days thereafter. The notification will include details about how the prize(s) can be claimed.
17. The Promoter takes no responsibility where it is unable to contact prize winners who have not provided correct or complete contact details. If an entrant’s contact details change during the promotional period, it is the entrant's responsibility to notify the Promoter. A request to modify any entry information should be directed to Promoter.
18. It is a condition of accepting any prize that the winner must comply with all the conditions of use of the prize and the prize supplier’s requirements. Each prize must be taken as stated and no compensation will be payable if a winner is unable to use the prize as stated.
19. The winner(s) first initial, last name and postcode will be published in accordance with the Public announcement of winners section of the Schedule (if applicable).
20. If the prize(s) has not been claimed by the Unclaimed prize draw time and date and subject to any written directions from a State lottery agency, the Promoter may conduct an Unclaimed prize draw in accordance with the Unclaimed prize draw section of the Schedule (if applicable). In the event the Unclaimed prize draw takes place, the Promoter will attempt to contact the winner(s) of the Unclaimed prize draw in accordance with the Notification of unclaimed prize draw section of the Schedule, and if applicable, the name and State/Territory of residency of any winner(s) of the Unclaimed prize draw will be published in accordance with the section of the Schedule entitled Public announcement of winners from unclaimed prize draw. If a prize is no longer available the promoter may substitute with a prize of higher or equal value subject to any written directions from a regulatory authority. The promoter is not allowed to deduct any administrative costs associated with provision of the prize.
21. To the greatest extent permitted by law, the Promoter excludes all warranties, representations or guarantees (Warranties) regarding the Promotion and any prizes, including any Warranties which may have been made in the course of advertising or promoting the Promotion. The conduct of the Promotion or the supply of prizes may involve third parties, and the Promoter makes no Warranties and disclaims all liability in connection with any such third parties, their acts or omissions. By entering the Promotion, an entrant releases and indemnifies the Promoter and its related bodies corporate (including the officers, employees and agents of each) from and against all actions, penalties, liabilities, claims or demands the entrant may have against the Promoter or that the Promoter may incur for any loss or damage which is or may be suffered or sustained as a direct or indirect result of an entrant entering or participating in the Promotion or winning or failing to win a prize, or using or permitting any other person to use the prize, except for any liability which cannot be excluded by law or which would cause any part of this clause to be void or unenforceable.
22. If despite the foregoing clause, the Promoter incurs a liability to an entrant under any law which implies a Warranty into these Terms of entry which cannot legally be excluded, the Promoter’s liability in respect of the Promotion is limited, in the Promoter’s discretion, to either resupplying such goods or services as form part of the Promotion, or paying the cost of resupplying those goods or services.
23. Without limiting any of the foregoing, in no circumstances will an entrant or the Promoter have any liability to the other for any loss or damage suffered which is indirect or consequential in nature, including without limitation any loss of profit, loss of reputation, loss of goodwill, or loss of business opportunity.
24. The Promoter and its associated agencies and companies will not be liable for any delay, damage, or loss in transit of prizes.
25. The Promoter may in its absolute discretion not accept a particular entry, may disqualify an entry, or cancel the entire Promotion at any time without giving reasons and without liability to any entrants, subject to any written directions from a regulatory authority. Without limiting this the Promoter reserves the right to verify the validity of entries, prize claims and entrants and to disqualify any entrant who submits an entry or prize claim that is misleading or not in accordance with these Terms of entry or who manipulates or tampers with the entry process. In the event that a winner breaches these Terms of entry, the winner will forfeit the prize in whole and no substitute will be offered. Verification is at the discretion of the Promoter, whose decision is final. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
26. The Promoter reserves the right to change these Terms and Conditions of entry without prior notice and at its discretion or to extend, postpone or discontinue this Promotion at any time.
27. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash. Where a prize is unavailable for any reason, the Promoter may substitute the prize for another item of equal or higher value subject to any written directions from a regulatory authority. The Promoter accepts no responsibility for any variation in prize value (including between advertising of the Promotion and receipt of the prize).
28. In the case of the intervention of any outside act, agent or event which prevents or significantly hinders the Promoter’s ability (or that of a third party involved with the Promotion) to proceed with the Promotion on the dates and in the manner described in these Terms of entry, including but not limited to vandalism, natural disasters, acts of God, civil unrest, strike, war, act of terrorism, the Promoter’s obligations in respect of the Promotion will be suspended for the duration of the event and, in addition, the Promoter may in its absolute discretion cancel the promotion and recommence it from the start on the same conditions, subject to approval of the relevant authorities.
29. All entries become the property of the Promoter. As a condition of entering into this Promotion, entrants agree to assign all their rights in and to their entry and any related content to the Promoter, including any copyright or other intellectual property rights in the entry and related content. Without limiting this, the Promoter may use entry content for any and all purposes including commercial purposes. You warrant that entry content is original, lawful and not misleading and that the Promoter’s use of such content will not infringe the rights of any third parties. The Promoter has no obligation to credit you as the author of any content submitted and may otherwise do any acts or omissions which would otherwise constitute an infringement of any moral rights you may have as an author of content.
30. Entrants consent to the Promoter using the personal information provided in connection with this promotion for the purposes of facilitating the conduct of the promotion and awarding any prizes, including to third parties involved in the promotion and any relevant authorities. In addition to any use that may be outlined in the Promoter’s Privacy Policy, the Promoter including third parties may, for an indefinite period, unless otherwise advised, use the private information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant.
31. The collection and disclosure of personal information provided in connection with this promotion will be handled in accordance with the Promoter's Privacy statement which adheres to the Privacy Act 1988 (Cth) and Australian Privacy Principles.
32. The Promotion and these Terms of entry will be governed by the law of the State or Territory in which the Promoter ordinarily resides. Entrants accept the non-exclusive jurisdiction of courts and tribunals of that State or Territory in connection with disputes concerning the Promotion.
33. Facebook, YouTube, Instagram, TikTok, or Snapchat may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, YouTube, Instagram, TikTok or Snapchat; and to release Facebook, YouTube, Instagram, TikTok, or Snapchat from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook, YouTube, Instagram, TikTok, or Snapchat.
34. 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 assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by Zip Money Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip -pay to find out more.
35. Zip Plus: T&Cs and credit approval criteria apply. A monthly account fee of $9.95 applies unless you repay your balance in full by the end of the last day of the month. Each day ends at 11:59pm AEST (AEDT during daylight savings). Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by Zip Money Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit zip.co/au/Zip-plus to find out more.
36. Zip Money: T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by Zip Money Payments Pty Ltd (ABN 58 164 440 993 , Australian Credit Licence Number 441878). Visit zip.co/au/zip-money to find out more