You can sign up to Zip during checkout on the eBay website.
Zip offers three types of accounts for eBay buyers: Zip Pay, Zip Plus and Zip Money:
| Zip Pay | Zip Plus | Zip Money | |
| Credit limit | Up to AU $1,000 | Up to $4,000 | Up to $5,000 |
| Interest | Interest free* | Interest will be waived on accounts with balances less than $1,500 at the end of the month.¹ Interest accruing daily at a low rate of 12.95%p.a.¹ will apply where your total owing balance is over $1,500 at the end of each calendar month (11:59pm AEDT or AEST). |
eBay offers 6 months interest free on Zip Money purchases After 6 months you will incur interest on any remaining balance at a rate of 25.9% per annum.³ |
| Repayments |
Nothing to repay on the day of your purchase Repay from $10/ week |
Nothing to repay on the day of your purchase Repay from $80/month |
Nothing to repay on the day of your purchase Repay from $40/month, your minimum monthly repayment is determined by the credit limit of your account. The higher the credit limit, the higher the minimum monthly repayment may be, this is outlined in your contract. |
| Fees |
No establishment fee $9.95 monthly account fee², waived if you pay your statement closing balance in full, by the due date If you don't repay the minimum repayment each month (or the remaining balance if less), a late fee of $7.50, which will be charged 7 days after your contractual due date. |
No establishment fee $9.95 monthly account fee, waived if nothing owing¹ If the minimum monthly repayment amount is not met, you will incur a $15 late fee. It will be charged 7 days after your contractual due date. |
One-off establishment fee may apply to new customers $9.95 monthly account fee, waived if nothing owing Pay a bill with BPAY: A fixed $2.50 processing fee applies for each bill. Foreign transaction fee: equal to 3% of the value of the transaction when converted into Australian dollars if you use a Single-Use Card to make the purchase. If the minimum monthly repayment amount (or the remaining balance if less) is not met, you will incur a $15 late fee, which will be charged 7 days after your contractual due date |
¹Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Repay 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 a satisfactory credit check. Other charges may be payable. T&Cs apply.
²As of 31 July 2023 Zip Pay accounts with credit limits of $350 and above, will incur a monthly fee of $9.95 if your balance is not paid off in full by the due date. In addition, the $2.50 processing fee for 'Pay a bill with BPAY' will be removed for all Zip Pay accounts. Exceptions may apply.
³Available to approved applicants only and subject to completion of a satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. A monthly account fee of $9.95 will also apply to accounts with balances and a one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 25.9% per annum as of 1 May 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).