For everyday, there's Zip Pay
there's Zip Pay
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
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.
Up to $1,000 to spend.Apply in minutes
Interest free always
Nothing to pay today, no hidden fees, and no interest, ever.
$0 establishment feeWe don’t charge you anything to open a Zip Pay account. Start shopping right away with nothing to pay upfront.
Interest free, alwaysWe don’t charge interest on your purchases, and we never will.
$9.95 monthly account feeWaived if you pay your statement closing balance in full before the due date.
From $10/week flexible repaymentsChoose weekly, monthly or fortnightly repayments. Repayments start from just $10 per week. Minimum monthly repayments apply.
$350-$1,000 credit limitOnce you're approved we'll confirm your account credit limit.
Need a larger limit?
Explore Zip Money
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
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
Features to navigate day-to-day life with ease
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.
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
Automatically pay and easily track your favourite subscription services, all in one place. We’ll let you know when payments are made, and you can manage and pause everything directly from the Zip app. Zip Pay only. Merchant Card T&Cs apply.
How to shop just about everywhere, online and instore
Shop online effortlesslyYou 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.**
Go on the ‘Shop’ tab on the Zip app and shop at your favourite stores
Hit ‘Pay with Zip’ when you’re ready to checkout, or;
Go to the ‘Pay’ tab on the Zip app and Generate a Single Use card for a secure one-time only transaction.
Tap to Pay with Zip PayFrom 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.**
Go to the ‘Pay’ tab on the Zip app and select ‘Instore’
Add Zip to your digital wallet (Apple Pay or Google Pay)
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 $10001. 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 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 36 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.
Both products also feature our Shop Everywhere card, which you can use at any online retailer that accepts Visa**.