Choose a Zip account that suits you best
Up to $1,000
For your everyday
Sign up for Zip Pay- Interest free always
- $9.95 monthly account feeWaived if you pay your statement closing balance in full by the due date.
- No establishment fee
- Repay from $10/weekYou can change the frequency of your payments to weekly, fortnightly or monthly, as long as you pay minimum $40 per month. Choose what works best for you!
- Instant access to the Zip Pay Visa Card for online and instore shopping anywhere Visa is accepted.*
$2,000 to $8,000
For your everyday, plus more.
Sign up for Zip Plus- Interest free when your end of month balance is under $1,5001Interest free when your total owing at the end of the month is below $1,500 and a low 12.95% p.a when its above.
- $9.95 monthly account feeWaived if nothing owing.
- No establishment fee
- Repay from $20/weekYou can change the frequency of your payments to weekly, fortnightly or monthly, as long as you meet the minimum repayment. Choose what works best for you.
- Instant access to the Zip Plus Visa Card for online and instore shopping anywhere Visa is accepted.*
Up to $5,000
For your not-so-everyday
Sign up for Zip Money- 3-60 months interest freeAny balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate of 25.9% per annum. Interest, fees and charges are subject to change. Interest free term subject to minimum spend and promotional merchant offer.
- $9.95 monthly account feeWaived if nothing owing.
- One-off account establishment fee may apply for new customers
- Repay from $10/week
- Generate single-use Visa cards for online purchases anywhere Visa is accepted.**
Getting started is easy
Choose your account
Sign up in minutes
Download the app
Repay at your own pace
How is Zip different?
Sign up in minutes
Applying is fast and easy so you can start shopping today!
Spend anywhere with Visa
A digital Visa card for online and instore shopping, even when you don’t see Zip at checkout.*
Flexible repayments
Our flexible repayments put you in control by letting you pay later at your own pace.
Frequently Asked Questions
- Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0002. You can buy what you love and enjoy the flexibility of paying it off over time.
- Apply in under 4 minutes and start shopping instantly once approved
- Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.*
- Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.
Zip Plus is a great value digital card with interest free and waived fee options. You’ll have more spending power than Zip Pay, with access to a credit limit of $2,000-$8,0001.- Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.*
- Reduce your owing balance to $1,500 at the end of each month and you’ll pay no interest at all. If your owing balance is over $1,500 at the end of the month, a low interest rate of 12.95% p.a applies.
- Repay from $20/week
- No international transaction fee when shopping abroad, including overseas online shopping.
- A $9.95 monthly account fee applies, waived if there is no balance owing at the end of each month.
Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers3.- Repay from $10/week
- A one-off establishment fee for certain credit limits may apply
- A $9.95 monthly account fee applies, waived if nothing owing at the end of each month.
Zip Pay and Zip Plus are perfect for everyday purchases. Both come with instant access to a Zip Visa Card for online and instore shopping, anywhere Visa is accepted.* Whether it’s your weekly groceries, buying new shoes online or filling up the petrol tank - Zip works everywhere.
For instore purchases, you can add the Zip Visa Card to your phone’s digital wallet. When you’re ready to pay at the checkout, just tap your phone anywhere Visa is accepted - even when you don’t see Zip at checkout.*
For online purchases, your Zip Visa Card details are available in the Zip app. Simply paste the card details at any online checkout that accepts Visa.*
Zip Pay and Zip Plus can be used anywhere Visa is accepted. The Zip Visa Card works online and instore, even when you don’t see Zip at checkout. Whether it’s your weekly groceries, buying new shoes online or filling up the petrol tank - Zip works everywhere.
Your Zip Visa Card can be set up instantly after your account is approved, so you don’t have to wait to start shopping.*
Add the Visa card to your phone’s digital wallet for easy instore shopping or use the Zip app for Visa card details that can be used online.
Plus, you can check out online and shop instore at any of our Zip Retail Partners using your Zip app.
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.
With Zip Pay 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 Money a $9.95 monthly account fee applies which is waived if you have nothing owing.
For Zip Pay, one late payment fee of $5. A customer will be charged an additional late fee where they have caught up on all repayments and then miss another repayment at a later date.
References
- Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
- 1 Zip Plus: 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.
- * Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
- ** Zip Single-use card T&Cs apply
- 2 Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay 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 satisfactory credit check. Other charges may be payable. T&Cs apply.
- 3 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023. 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).