Apply to Zip
Zip Pay
Apply nowUp to $1,000 credit limit
Pay nothing today
Always interest free^
Spread repayments over a month or longer
$9.95/mth account fee or $0 if nothing owing
Zip Money
Apply nowApply for $1,000 - $5,000 credit limit
Pay nothing today
3-6 months interest free*
$9.95/mth account fee or $0 if nothing owing
One off establishment fee up to $99 may apply
What you'll need to apply
- Your employment details
- Your residential details
- Your online banking login to verify your income
- Your passport or driver licence
Zip is here for you
We're local
Zip is Australian owned and founded
We're here to help
Talk to our Sydney-based customer service 6 days a week
We're almost everywhere
Shop online and instore at over 55,000 Zip partners
Loved by millions of shoppers globally and counting
My favourite digital wallet
Simple app easy to navigate, makes purchasing easy & you're in control when it comes to your repayments. I've now been using zip money for 4 years and absolutely love it & recommend to all my friends.
VerifiedSuch a great app.
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
VerifiedBorrowing made easy.
Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.
VerifiedI cannot fault ZipPay or ZipMoney.
The Zip app works great for both online and in-store purchases. I am in Australia, all works flawlessly! The updates, receipts etc via email are on point, not at all spammy!!
VerifiedFrequently Asked Questions
- Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,000^. 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
- Instant access to a digital Visa card that works online and instore, anywhere 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 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-$8,0001.- Instant access to a digital Visa card that works online and instore, anywhere 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
- No international transaction fee when shopping abroad, including overseas online shopping.
- 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 retailers*.- 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 Pay and Zip Plus are perfect for everyday purchases. Both come with instant access to a Zip Visa Card for online and instore shopping, anywhere Visa is accepted.** Whether it’s your weekly groceries, buying new shoes online or filling up the petrol tank - Zip works everywhere.
For instore purchases, you can add the Zip Visa Card to your phone’s digital wallet. When you’re ready to pay at the checkout, just tap your phone anywhere Visa is accepted - even when you don’t see Zip at checkout.**
For online purchases, your Zip Visa Card details are available in the Zip app. Simply paste the card details at any online checkout that accepts Visa.**
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 bills2 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
- * Zip Money. Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. If you turn off instalments, transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 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).
- ^ 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. Fees and charges subject to change. T&Cs apply.
- ** Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
- 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.
- 2 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