Zip aims to make life more affordable by spreading the costs of your purchases over time. You won't pay anything upfront; instead, you can repay your purchases on a weekly, fortnightly, or monthly schedule that suits you.
We simplify how you pay everywhere and every day by offering fast, fair, and seamless payment solutions, online and in-store. Zip enables you to spend with confidence today, knowing you'll be in control of tomorrow.
Zip Pay is our interest free account built to help you navigate day-to-day spending with ease. Zip Pay is free to set up, and offers credit limits of up to $1,000 with a monthly account fee of $9.95 . If you repay your closing balance by your statement date we will waive this fee! Learn more, here.
Zip Plus is built for your everyday, offering up to $20,000 with an interest rate of 13.70% p.a. interest (accruing daily) applies only if your owing balance is over $1,000 at the end of the calendar month. Interest is waived when your total owing balance is less than $1,000 at the end of the month.¹
Zip Money is built for life's next step. Zip Money offers credit limits up to $5,000, up to 3 months interest free on every purchase, and flexible repayments.² Learn more, here.
You can use Zip as your preferred payment method almost anywhere. Use Zip Pay's Tap to pay feature in-store, shop online using our Single-use card feature, purchase gift cards or use Zip to pay your bills via BPAY.
For more information regarding our products, please visit here!
¹ 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 $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. 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.
² T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. 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 subject to change. Minimum monthly payments are required and vary depending on your closing balance at the end of each statement period. Paying only the minimum monthly repayment may not repay a purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.