Apply now

For everyday, there's Zip Pay

Zip Pay logo

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

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

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

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

How to shop just about everywhere, online and instore

  • Online shopping

    Shop online effortlessly

    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.**
    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.

  • Instore shopping

    Tap to Pay with Zip Pay

    From grabbing a coffee to filling the tank, pay with a tap of your phone. Add Zip Pay to your phone’s digital wallet and pay everywhere you see the contactless symbol.**
    1. Go to the ‘Pay’ tab on the Zip app and select ‘Instore’

    2. Add Zip to your digital wallet (Apple Pay or Google Pay)

    3. Tap to Pay with a tap of your phone safely and securely everywhere you see the Contactless Symbol

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 service with a credit limit of up to $1,0001. 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 retailers3. 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 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.
  • 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.
  • ** 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.
  • 3 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).