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Over $1,000 for bigger buys, pay later with flexible repayments.

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Over $1,000 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

Retailers that accept Zip Money often run 6-48 months interest free offers.

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
Shop online - App exclusive
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
Pay your bills - App exclusive
Earn rewards

From cashback offers to exclusive partner deals, we’re always looking for ways to make your Zip experience even more rewarding. Keep an eye out for the latest rewards offer and you’ll never miss a treat. Reward program T&Cs apply.

Learn more

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

Our fees are simple and transparent.

Sign up now

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 standard annual interest rate, currently 19.9%.

$6 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
Sign up now

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.

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

More questions?

Here's a little FAQ 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 $1000.^^ 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 $3000 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 36 months with some retailers^^^. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $6 monthly account fee applies.

Both products also feature our Shop Everywhere 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 checkout using Tap & Zip.* To get started with Tap & Zip, simply navigate to the Zip app and click on the card icon in the bottom menu. From there, you will be able to generate a multi-use Tap & Zip 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 32,000+ 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 your 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 $6 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.

Control your cashflow with Zip Business Trade, which gives you up to $3,000 to cover your business expenses, invoices and utility bills now, and pay us back later once you get paid.

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.

*Available with Zip Pay only. Use the Zip Pay Card everywhere Visa contactless payments are accepted. Card T&Cs apply.
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.

^^^Zip Money is available to approved applicants only. Instalment feature splits eligible purchases of $300 and above into equal repayments within the interest free period (excluding a monthly account fee of $6.00 and a one off establishment fee that may apply for new customers). Under the contract, minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free will be charged at the standard annual percentage rate, currently 19.9%. 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).

**Single-use Card T&Cs Apply.

^® Registered to BPAY Pty Ltd ABN 69 079 137 518. *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 processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment.