The better
way to pay
- Up to $1,000 credit limit
- Pay nothing today
- Always interest free^
- Spread repayments over a month or longer
- $9.95/mth account fee or $0 if nothing owing
- Apply for $1,000 - $50,000 credit limit
- Pay nothing today
- Up to 60 months interest free*
- $9.95/mth account fee or $0 if nothing owing
- One off establishment fee up to $99 may apply
What you’ll need to apply
Your employment details
Your resedential details
Your online banking login to verify your income
Your passport or driver license
We're local
Zip is Australian owned and founded
We're here to help
Talk to our Sydney-based customer service 6 days a week
We're almost everywhere
Shop online and instore at over 63,000 Zip partners
Loved by millions of shoppers globally and counting
Reviews from the App Store
My favourite digital wallet
Simple app easy to navigate, makes purchasing easy & you’re in control when it comes to your repayments. I’ve now been using zip money for 4 years and absolutely love it & recommend to all my friends.
Verified
Such a great app.
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
Verified
Borrowing made easy.
Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.
Verified
Frequently Asked Questions
How long does it take to apply?
Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.
Where can I shop with Zip?
Shop everywhere online where Visa is accepted with Zip’s single-use card feature on the Zip mobile app*. Or shop anywhere instore you see Zip at checkout – we’ve partnered with 63,000+ retail stores.
Additionally, you can use your Zip account to pay BPay bills** and buy gift cards for food, fuel and groceries.
How do repayments work?
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.
How do refunds work?
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.
- * Zip Money: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly payments are required and vary depending on your closing balance at the end of each statement period. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount 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. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
- ^ 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 assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip-pay to find out more.
- ** Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
Learn more about zipMoney & MediPlan HERE
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