| Cost | Terms |
| Monthly Account Fee |
$9.95/month on accounts with an owing balance at the end of each calendar month. No monthly fee on accounts with a $0 owing balance.¹ |
| Interest |
Interest will be waived on accounts with balances less than $1,500.¹ 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). |
| Late Fee |
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. |
| Foreign Transaction Fee | No charges apply. |
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 $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. 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.
* As communicated in our updated T&Cs email/SMS sent 4 March 2025 and effective as of 3 April 2025 for Zip Plus.