How Zip Money Works

zipmoney-hero-experiment

Up to $5,000 for bigger buys, pay later with flexible repayments.

Sign up now

Up to $5,000 for bigger buys, pay later with flexible repayments.

Sign up now
Why choose Zip Money?

Zip Money is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you.

Flexible repayments

Choose a weekly, fortnightly or monthly schedule. And you can pay it all off early, without a penalty.

From 3 months interest free

Every Zip Money transaction comes with at least 3 months interest free, guaranteed.^^^

Interest free retail offers

Get up to 5 years interest free at select Zip merchants.

Over $1,000 to spend, from 3 months interest free

Our fees are simple and transparent.

Over $1,000 to spend, 3 months interest free

Apply in minutes for
$1,000 - $5,000

Apply in minutes for $1,000 - $5,000

See your contract for more details

Any balance outstanding at the end of the interest free period will be charged at the standard variable rate 21.9% per annum.

$7.95 fee per month.

Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period.

Up to $50,000 credit is available at selected merchants.

Need a smaller limit? Explore Zip Pay

Packed with features you’ll love

Shop online

It’s so easy to buy online with Zip. You can shop directly within the Zip app, by choosing ‘Pay with Zip’ at thousands of online checkouts, or by creating a single-use card. Card T&Cs apply.

Shop now
Product Protection

Shop confident with Product Protection from Zip. Get an instant quote and worldwide cover for your items against damage, theft, and more.

Learn more
Pay your bills

Use Zip with over 45,000 BPAY Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There’s just a small $2.50 processing fee, no matter how big your bill is.^

Learn more

How to shop in-store with the app

Shopping instore with Zip Money has never been easier. Simply create a barcode with the Zip app when you’re ready to buy.

1
Get the Zip app
Download from the App Store or Google Play Store.
2
Generate a barcode
When you’re ready to buy instore, generate a barcode with the app.
3
Scan at counter
Show your barcode at the checkout to pay with Zip.

More questions?

Here are some FAQs to help you get to know Zip better.

Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet.*

Zip Money is a line of credit with credit limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 48 months with some retailers**. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $7.95 monthly account fee applies.

Both products also feature our Single-use card, which you can use at any online retailer that accepts Visa*.

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’re partnered with 40,000+ retail stores.

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

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 $7.95 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 $7.95 monthly account fee applies which is waived if you have nothing owing.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

Zip Business solutions can help your business grow.

Boost your sales by accepting Zip Payments.

Zip Business Capital can take your business to the next level with a line of credit up to $500k you could invest in equipment, inventory, staff, or new market growth.

Yes! However, Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.

** Zip Money: Available to approved applicants only. Minimum monthly repayments are required. 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 variable rate. For Customers who acquired an account before 1 December 2022, the applicable standard variable rate is 23.9% per annum. For Customers who acquired an account from 1 December 2022, the applicable variable rate is 21.9% per annum. The applicable interest rate is subject to change. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. 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). T&Cs apply.

*Tap to pay in store available with Zip Pay 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.

^ Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.
zipmoney-hero-experiment

Up to $5,000 for bigger buys, pay later with flexible repayments.

Australian Flag

Up to $5,000 for bigger buys, pay later with flexible repayments.

Australian Flag
Why choose Zip Money?

Zip Money is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you.

Flexible repayments

Choose a weekly, fortnightly or monthly schedule. And you can pay it all off early, without a penalty.

From 3 months interest free

Every Zip Money transaction comes with at least 3 months interest free, guaranteed.^^^

Interest free retail offers

Get up to 5 years interest free at select Zip merchants.

Over $1,000 to spend, from 3 months interest free

Our fees are simple and transparent.

Over $1,000 to spend, 3 months interest free

Apply in minutes for
$1,000 - $5,000

Apply in minutes for $1,000 - $5,000

See your contract for more details

Any balance outstanding at the end of the interest free period will be charged at the standard variable rate 21.9% per annum.

$7.95 fee per month.

Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period.

Up to $50,000 credit is available at selected merchants.

Need a smaller limit? Explore Zip Pay

Packed with features you’ll love

Shop online

It’s so easy to buy online with Zip. You can shop directly within the Zip app, by choosing ‘Pay with Zip’ at thousands of online checkouts, or by creating a single-use card. Card T&Cs apply.

Shop now
Product Protection

Shop confident with Product Protection from Zip. Get an instant quote and worldwide cover for your items against damage, theft, and more.

Learn more
Pay your bills

Use Zip with over 45,000 BPAY Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There’s just a small $2.50 processing fee, no matter how big your bill is.^

Learn more

How to shop in-store with the app

Shopping instore with Zip Money has never been easier. Simply create a barcode with the Zip app when you’re ready to buy.

1
Get the Zip app
Download from the App Store or Google Play Store.
2
Generate a barcode
When you’re ready to buy instore, generate a barcode with the app.
3
Scan at counter
Show your barcode at the checkout to pay with Zip.

More questions?

Here are some FAQs to help you get to know Zip better.

Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet.*

Zip Money is a line of credit with credit limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 48 months with some retailers**. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $7.95 monthly account fee applies.

Both products also feature our Single-use card, which you can use at any online retailer that accepts Visa*.

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’re partnered with 40,000+ retail stores.

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

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 $7.95 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 $7.95 monthly account fee applies which is waived if you have nothing owing.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

Zip Business solutions can help your business grow.

Boost your sales by accepting Zip Payments.

Zip Business Capital can take your business to the next level with a line of credit up to $500k you could invest in equipment, inventory, staff, or new market growth.

Yes! However, Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.

** Zip Money: Available to approved applicants only. Minimum monthly repayments are required. 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 variable rate. For Customers who acquired an account before 1 December 2022, the applicable standard variable rate is 23.9% per annum. For Customers who acquired an account from 1 December 2022, the applicable variable rate is 21.9% per annum. The applicable interest rate is subject to change. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. 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). T&Cs apply.

*Tap to pay in store available with Zip Pay 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.

^ Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.
zipmoney-hero-experiment

Up to $5,000 for bigger buys, pay later with flexible repayments.

Sign up now

Up to $5,000 for bigger buys, pay later with flexible repayments.

Sign up now
Why choose Zip Money?

Zip Money is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you.

Flexible repayments

Choose a weekly, fortnightly or monthly schedule. And you can pay it all off early, without a penalty.

From 3 months interest free

Every Zip Money transaction comes with at least 3 months interest free, guaranteed.^^^

Interest free retail offers

Get up to 5 years interest free at select Zip merchants.

Over $1,000 to spend, from 3 months interest free

Our fees are simple and transparent.

Over $1,000 to spend, 3 months interest free

Apply in minutes for
$1,000 - $5,000

Apply in minutes for $1,000 - $5,000

See your contract for more details

Any balance outstanding at the end of the interest free period will be charged at the standard variable rate 21.9% per annum.

$7.95 fee per month.

Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period.

Up to $50,000 credit is available at selected merchants.

Need a smaller limit? Explore Zip Pay

Packed with features you’ll love

Shop online

It’s so easy to buy online with Zip. You can shop directly within the Zip app, by choosing ‘Pay with Zip’ at thousands of online checkouts, or by creating a single-use card. Card T&Cs apply.

Shop now
Product Protection

Shop confident with Product Protection from Zip. Get an instant quote and worldwide cover for your items against damage, theft, and more.

Learn more
Pay your bills

Use Zip with over 45,000 BPAY Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There’s just a small $2.50 processing fee, no matter how big your bill is.^

Learn more

How to shop in-store with the app

Shopping instore with Zip Money has never been easier. Simply create a barcode with the Zip app when you’re ready to buy.

1
Get the Zip app
Download from the App Store or Google Play Store.
2
Generate a barcode
When you’re ready to buy instore, generate a barcode with the app.
3
Scan at counter
Show your barcode at the checkout to pay with Zip.

More questions?

Here are some FAQs to help you get to know Zip better.

Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet.*

Zip Money is a line of credit with credit limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 48 months with some retailers**. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $7.95 monthly account fee applies.

Both products also feature our Single-use card, which you can use at any online retailer that accepts Visa*.

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’re partnered with 40,000+ retail stores.

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

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 $7.95 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 $7.95 monthly account fee applies which is waived if you have nothing owing.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

Zip Business solutions can help your business grow.

Boost your sales by accepting Zip Payments.

Zip Business Capital can take your business to the next level with a line of credit up to $500k you could invest in equipment, inventory, staff, or new market growth.

Yes! However, Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.

** Zip Money: Available to approved applicants only. Minimum monthly repayments are required. 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 variable rate. For Customers who acquired an account before 1 December 2022, the applicable standard variable rate is 23.9% per annum. For Customers who acquired an account from 1 December 2022, the applicable variable rate is 21.9% per annum. The applicable interest rate is subject to change. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. 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). T&Cs apply.

*Tap to pay in store available with Zip Pay 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.

^ Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.