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For everyday,
there's Zip Pay

Apply for up to $1,000 to spend, interest free always.

Sign up to Zip Pay

Why choose Zip Pay?

Zip Pay is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you, interest free.1

  • Flexible repayments

    Choose a weekly, fortnightly or monthly schedule. Pay off early if you like, without a penalty.

  • Pay later, interest free

    Every transaction you make with Zip Pay is interest free, always.

  • Approval in minutes

    Apply in minutes, with no establishment fees and nothing to pay today.

Zip Pay logo

Up to $1,000 to spend.
Interest free always

Apply in minutes

Nothing to pay today, no hidden fees, and no interest, ever.

  • $0 establishment fee

    We don’t charge you anything to open a Zip Pay account. Start shopping right away with nothing to pay upfront.

  • Interest free, always

    We don’t charge interest on your purchases, and we never will.

  • $9.95 monthly account fee

    Waived if you pay your statement closing balance in full before the due date. 

  • From $10/week flexible repayments

    Choose weekly, monthly or fortnightly repayments. Repayments start from just $10 per week. Minimum monthly repayments apply.

  • $350-$1,000 credit limit

    Once you're approved we'll confirm your account credit limit. 

Need a larger limit?
Explore Zip Money

Sign up to Zip Pay

Purchase gift cards on the app

The perfect present, delivered in seconds. Choose from over 200 great brands with flexible amounts from $25 to $1000. Add a personal message, and send it now or schedule it for that special day. Gift card T&Cs apply.

Shop gift cards

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 bills

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

Spend with Zip Pay just about anywhere

  • Online shopping

    Online shopping made easy

    Your Zip Pay Visa Card works online anywhere Visa is accepted, even when you don't see Zip at checkout.** Just access your card details from the Zip app.

    1. Open the ‘Pay’ tab in the Zip app

    2. Tap your Zip Pay Visa Card

    3. Use the card details to complete your purchase

    Explore Zip Pay Visa Card

  • Instore shopping

    Tap your Zip Pay Visa Card

    From grabbing a coffee to filling up the tank, pay with a tap of your phone. Add Zip Pay to your digital wallet and pay anywhere Visa is accepted.**

    1. Open the ‘Pay’ tab in the Zip app

    2. Add your Zip Pay Visa Card to your phone’s digital wallet

    3. Tap your phone instore anywhere you see Visa or the Contactless Symbol

    Explore Zip Pay Visa Card

How do Zip Pay repayments work?

We have 2 repayment options:

  • Choose your repayments: Set your repayment amount, date and frequency to suit you - weekly, fortnightly or monthly.
  • Fee waiver: Zip will automatically adjust your Zip Pay repayment schedule to pay off your full balance owing each month, so that you don't have to pay the monthly account fee.

Frequently Asked Questions

  • Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0001. 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- 8,0003.

    • Use Zip Plus instore and online everywhere 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
    • Shop globally, with no foreign transaction fees
    • 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 retailers4.

    • 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 in our store directory.

    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 58,000+ retail stores.

    Additionally, you can use your Zip account to pay BPay bills**** 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.

  • Zip Pay:

    • Monthly Account Fee: $9.95 (waived if you pay your statement closing balance in full by the due date).
    • Late Fee: $7.50 if you miss the minimum repayment, charged 7 days after your due date.
    • Foreign Exchange Fee: If you use a Zip Visa Card or a Single-Use Card to make a 'foreign transaction' (being a transaction made with a merchant or processed by a financial institution located outside Australia), a fee charged at 1% of the value of the foreign transaction.

    Zip Plus:

    • Monthly Account Fee: $9.95 (waived if you do not have an outstanding balance at the end of the month).
    • Interest:
      • 12.95% p.a. if your balance is over $1,500.
      • No interest if your balance is $1,500 or less.
    • Late Fee: $15 if the minimum repayment isn’t made, charged 7 days after your due date.

    Zip Money:

    • Monthly Account Fee: $9.95 (waived if you do not have an outstanding balance at the end of the month).
    • One-off Establishment Fee: $0 - $99, depending on your approved credit limit.
    • Instalment Fee: 1.5% of the transaction amount per month for extended interest-free periods.
    • Late Fee: $15 if the minimum repayment isn’t made, charged 7 days after your due date.
    • BPAY Bill Payment Fee: $2.50 per bill payment.
    • Foreign Exchange Fee: If you use a Single-Use Card to make a 'foreign transaction' (being a transaction made with a merchant or processed by a financial institution located outside Australia), a fee charged at 3% of the value of the foreign transaction.

    Zip Personal Loan:

    • Monthly Account Fee: $9.95
    • One-off Establishment Fee: $199 applied to the balance owing on your loan once disbursed.
    • Late Fee: $25 if the minimum repayment isn’t made, charged 21 days after your due date.

References

  • 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 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 assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip-pay to find out more.
  • 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
  • * Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.
  • ** Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
  • 3 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.
  • 4 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. 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 and will vary depending on your credit limit. 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).
  • *** 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).
  • **** Tap to pay instore available with Zip Pay and Zip Plus only. Zip Visa Card T&Cs apply. Single-use card available with Zip Pay, Zip Plus and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.