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The better way to pay | Zip

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Zip Money. Make it easier to pay for big purchases

4.9App store rating

How to pay instore and online

  • How Zip Money works

    • Credit limits from $1,000 to $50,000*

    • Interest free instalments from 3 to 60 months*

    • No balance, no monthly account fee. Otherwise you'll pay $9.95

    • One-off establishment fee up to $99 may apply

    • Repay early at any stage with no penalty

  • 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

We're 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 40,000 Zip partners

Loved by millions of shoppers globally and counting

Reviews from the App Store

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.


Such 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.


Borrowing made easy.

Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.


I 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!!


Frequently Asked Questions on Zip Money

  • Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.


  • * 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. Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes gift cards. 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).