Good news! You can use BPAY to make repayments toward your Zip Money balance.
How to Make a BPAY Repayment
You can make an extra repayment through the Zip App or on our website here. Once you have logged in, follow these simple steps:
- Tap on your Zip Money product tile.
- Tap “Pay Extra.”
- Choose “Pay using BPAY.”
Your Biller Code and Reference Number will be displayed — use these details to make your payment through your bank.
Processing Time
BPAY repayments can take up to 5 business days to appear on your Zip account.
Allow enough time for processing to ensure your payment arrives by the due date.
If You’ve Requested a Payout Quote Letter
If you’ve recently requested a Payout Quote Letter and are making your repayment via BPAY:
Interest will continue to accrue during the 5 business days it takes for your BPAY payment to be processed.
This means your final balance may be slightly higher than the amount listed in your payout quote.
Once your BPAY payment has cleared and been applied to your account, any remaining balance will appear in your Zip app.
Important Information
- BPAY repayments are applied to the Flex balance on your account.
- If you’d like to pay off a specific instalment or make a scheduled repayment early, please use the “Pay Now” option in the app instead.
IMPORTANT: The Instalments feature will no longer be available for new purchases made from 12 August 2025. From this date, all new purchases will be placed on the Flex repayment schedule. Existing Instalment plans will continue, and you must keep making repayments as usual. For more information on these changes, please visit here.