Terms and conditions - Zip Money Establishment Fee Waived Promotion

Apply and be approved for a Zip Money Account between 12:01am AEDT, 1 November 2025 and 11:59pm AEDT, 30 November 2025 (“Offer Period”) to receive a waiver of the Establishment Fee (“Offer”).

The establishment fee waiver will apply in November 2025. Your monthly statement for your Zip Money Account will show the establishment fee, which will then be reversed and appear under the description “Fee Waiver Bonus Offer”.

To be eligible to receive this offer you must:

• Apply and be approved for a Zip Money Account during the Offer Period 12:01 am, 1 November 2025 until 11:59pm, 30 November 2025; and either
• Apply via the following link: http://zip.co/au/zip-money?m=4dd22411-80df-4ca7-b2ad-67fc93cb8988
• Or apply via the following participating merchants (participating merchants subject to change at any time without notice):

  • Solahart
  • Factory Buys
  • Stonegate

This Offer is available to new Zip Money account holders only. Existing Zip customers are eligible to redeem the Offer if they have not previously held a Zip Money account.

Zip will waive the establishment fee (up to $99) for any new Zip Money accounts opened during the Offer Period, regardless of your approved credit limit. This offer does not include any cashback or credit back to your Zip Money Account.

This Offer is subject to your Zip Account remaining open and being kept in good standing for the duration of the Offer Period.

Your participation in the promotion must be in accordance with these Terms and Conditions, your Zip Money Account terms and conditions, and (where applicable) the Single-Use Card Terms and Conditions and/or the Visa Card Terms and Conditions. This Offer cannot be used in conjunction with any other offers. No promo code is required to claim this Offer.

If at any time Zip reasonably believes that you are engaging in this promotion through fraudulent, deceptive, or dishonest actions or means, or you violate these, or your Zip Money Account terms and conditions, we reserve the right to cancel or block your participation in the promotion and reverse any applicable fee waivers.

Zip does not make any warranties or representations on the delivery, service, quality, quantity, merchantability, suitability or availability of products or services purchased using a Zip Account. Nothing in these terms and conditions is intended to exclude, restrict or modify any non-excludable right or remedy you have under law including the Australian Consumer Law. Any disclaimer, exclusion, or limitation as provided for in these conditions applies to the full extent permitted by law and subject to any non-excludable right or remedy.

Zip reserves the right to vary the terms and conditions of the Offer and Offer Period at its reasonable discretion by publishing revised terms on http://zip.co/au/page/terms-zip-money-establishment-fee-waived including (but not limited to) cancelling or in any way modifying this Offer or Offer Period.

This Offer is being made by ZipMoney Payments Pty Ltd ABN 58 164 440 993.

1 T&Cs and credit approval criteria apply. A monthly account fee will apply.. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit https://zip.co/au/zip-money to find out more.