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For not-so-everyday, there's Zip Money

Zip Pay logo

Apply for up to $5,000 credit to help you pay for your next step in life, every step of the way.

Why choose Zip Money?

  • Nothing to pay on day of purchase

  • At least 3 months interest free, guaranteed1

  • Up to 5 years interest free at select Zip partners

Zip Money logo

Up to $5,000 to spend
from 3 months interest free.

Apply in minutes

Our fees are simple and transparent.

  • $0-$99 establishment fee

    A one-off fee, up to $99, based on your approved credit limit may apply. See your contract for more details.
  • 3 months interest free period

    Every transaction has a guaranteed 3 months interest free period. 
  • From $10/week flexible repayments

    Repayments start from just $10 a week and are determined by your account's credit limit. 
  • $9.95 monthly account fee

    Waived if your balance owing is $0 at the end of the month.
  • $1,000-$5,000 credit limit

    Once you're approved we'll confirm your account credit limit. You may be eligible for a credit limit increase once you've been using your account for at least 6 months. 

Need a smaller limit?
Explore Zip Pay

Two ways to repay

Choose to repay on a flexible repayment schedule or with fixed interest free instalments.

  • Flex

    Complete flexibility on the amount, date and frequency of your repayments to give you more control.

  • Instalments

    For purchases of $300 or more repay in equal monthly interest free instalments.

    Learn about instalments

Earn instant cashback

Not only are we flexible, we're rewarding too. Earn instant cashback when shopping at our rewards partners.

Download the Zip app to browse and activate our range of offers.*

Shop cashback offers

Shop confident with Product Protection

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

What is Product Protection

Pay your bills

Use Zip with over 60,000 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 when using Zip Money, no matter how big your bill is.2

How to pay instore and online

  • Shop online with the app

    1. Go on the ‘Shop’ tab on the Zip app and shop at your favourite stores

    2. Hit ‘Pay with Zip’ when you’re ready to checkout, or;

    3. Go to the ‘Pay’ tab on the Zip app and Generate a Single Use card for a secure one-time only transaction. Learn about single-use card

  • Shop instore

    1. Go to the ‘Pay’ tab on the Zip app and select ‘Instore’

    2. Generate a barcode when you’re ready to checkout in store

    3. Show your barcode at the checkout to pay with Zip

Frequently Asked Questions

  • Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,0003. Repayments are based on a minimum monthly payment from as little as $10 per week. 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 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 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 purchases and up to 60 months with some retailers1. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $9.95 monthly account fee applies, waived if your balance owing is $0 at the end of the month.

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


  • Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
  • 1 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. 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 standard variable interest rate of 25.9% per annum, as at 1 June 2023. 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).
  • * Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details.
  • 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
  • 3 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. 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.