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SPEND YOUR DAY WITH ZIP


SPEND YOUR
DAY WITH ZIP

Enjoy flexible repayment options.
Just about everywhere.

Sign up nowShop Black Friday
4.9App store rating

Millions of shoppers globally and counting


ZIP MAKES LIFE MORE AFFORDABLE BY SPREADING THE COSTS OF YOUR PURCHASES OVER
TIME.


YOU'LL PAY NOTHING UPFRONT. AND REPAY WEEKLY, FORTNIGHTLY OR MONTHLY ON A
SCHEDULE THAT SUITS YOU.


SO YOU CAN SPEND WITH CONFIDENCE, KNOWING YOU'RE IN CONTROL OF TOMORROW.


ZIP ACCOUNTS


 * EVERYDAY ACCOUNT,
   INTEREST FREE.
   
   Enjoy $350–$1,000 to spend instantly once approved.1
   
   Sign up now


 * FOR YOUR EVERYDAY,
   PLUS MORE.
   
   Enjoy $2,000–$4,000, interest free when your end of month balance is under
   $1,500.2
   
   Sign up now


 * BIGGER PURCHASES
   ACCOUNT.
   
   Get a minimum of 3 months interest free on every purchase, always.3
   
   Sign up now

Compare Zip accountsCompare accounts


FOR YOUR EVERYDAY,
THERE'S ZIP PAY


FOR YOUR EVERYDAY,
THERE'S ZIP PAY

Apply for up to $1,000 to spend, interest free always.



Zip Pay helps you navigate day-to-day life with ease by spreading the cost of
your purchases over time. You'll pay nothing upfront, and repay weekly,
fortnightly or monthly on a schedule that suits you, with no interest ever. With
Zip, you're more in control of whatever comes your way.

Sign up to Zip PayExplore Zip Pay



FOR YOUR EVERYDAY,
PLUS MORE


FOR YOUR EVERYDAY,
PLUS MORE

Apply for up to $4,000 to spend everywhere with Visa.

Book that weekend away or transform your living space. Whatever tomorrow holds,
nothing is holding you back. Nothing to pay today and no hidden fees. Interest
free when your end of month balance is under $1,500. And a low rate of 12.95%
p.a. when it's over $1,500. Now that's a new kind of card that rewards you for
staying on top of your balance.

Sign up to Zip PlusExplore Zip Plus


FOR YOUR NOT-SO-EVERYDAY, THERE'S
ZIP MONEY


FOR YOUR NOT-SO-EVERYDAY, THERE'S
ZIP MONEY

Apply for up to $5,000 credit to help you pay for your next step in life, every
step of the way.



For the expected and unexpected. For renovations and celebrations. With a
minimum 3 months interest free on every purchase and up to 5 years interest free
at select Zip merchants, Zip Money is there for you when you need it the most.

Sign up to Zip MoneyExplore Zip Money



REPAYMENT FLEXIBILITY

We're not like the others. We'll bundle your purchases and let you align your
repayments to suit your pay cycle.

Repay on a convenient weekly, fortnightly or monthly schedule.




PROBLEM WITH A PURCHASE?
NO PROBLEM

Shop safely with Zip and if something goes wrong with your purchase, doesn't
arrive, or is significantly not as described–don't stress. We're here to support
you throughout the refund process with our Buyer Protection Policy. Eligibility
and exclusions apply. View Buyer Protection details.



EARN INSTANT CASHBACK

Not only are we flexible, we're rewarding too. Earn instant cashback when
shopping at our rewards partners.

Download the Zip app to browse and activate our range of offers.*

Shop cashback offers



ALL YOUR PURCHASES.
ALL THE WAYS TO PAY.
ALL SPREAD OVER TIME.


VISA CARD FOR EVERYWHERE

With the Zip Visa Card, you can spend anywhere Visa is accepted - both online
and instore.**





PAY BPAY® BILLERS

Pay your bills and repay us on a schedule that suits you, spreading the cost
over time.4




CHOOSE ZIP AT CHECKOUT

Speed through checkout at over 55,000 Zip merchants.





SAFER ONLINE SHOPPING

Generate a single-use Visa card for extra security when shopping online. They
work anywhere Visa is accepted and expire after one purchase.***




ALL THIS AND LOTS MORE.
ALL INSIDE THE ZIP APP.

Get the Zip app


LOVED BY MILLIONS OF SHOPPERS GLOBALLY AND COUNTING

Reviews from the App Store
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BEST BUY NOW PAY LATER OPTION AVAILABLE.

Out of all the buy now pay later companies, ZipPay has the most option available
for using in store and online having the create temporary card feature and apple
wallet tap and pay features.

Verified


IN LOVE WITH ZIP PAY.

I wish I could give them more than 5 stars! Lucky to be born in the world of
Zip, helped me get through many difficult times. Thank you so much Zip Pay. I
love you!

Verified


VERY HELPFUL IN NEED!

Zip is very helpful when you don't have money in your savings or credit card.
Instalment payments are very flexible.

Verified


ZIP IS THE BEST AMONG THEM

I’ve used all the other platforms, and I think none is close to Zip. The
flexibility and unlimited nature of transactions from BPay to Credit Card to in
app purchasing. None of the others come near to it.

Verified


JUST LOVE KNOWING I HAVE ZIP

I feel I have my own independence being able to have a system like Zip. I can
purchase items I love for myself and for others too. To be able to pay back what
I can afford without breaking the budget.

Verified


I CAN USE THIS ANYWHERE!

Literally - In Store or Online - Virtually on ANY (well almost) kind of
purchase.

Verified


ALWAYS THERE

If find Zip really easy to use and always there when I need them. Hassle free
and paying back is easy too.

Verified


CONVENIENT AND HELPFUL

When purchased big ticket item it’s so convenient to pay by ZIPPay because can
be paid back by instalment without interest

Verified


FREQUENTLY ASKED QUESTIONS

What's the difference between Zip Pay, Zip Plus and Zip Money?
Zip Pay is an interest free buy now pay later product offering a credit limit of
up to $1,0001. 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- $4,0002.
 * 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.

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.

What are the fees?

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.

Can't find what you're looking for?

Get all the support you need, when you need it by exploring the help centre or
by contacting our team at Zip HQ in Sydney.


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 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.
 * 2 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.
 * 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).
 * * Rewards are redeemable when you reach the Rewards Goal. See Promotion and
   Reward Program T&Cs for more details. Zip may earn a commission.
 * ** Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs
   apply.
 * *** Zip Single-use card T&Cs apply
 * 4 Payments may take up to 5 business days to reach your Biller. Certain
   Biller exclusions apply including but not limited to credit institutions,
   gambling, share trading, personal loans and DEFT rent. A $2.50 processing fee
   may be payable for each bill processed using Zip Money. The amount of the fee
   will be advised and authorised by You at the time of any relevant bill
   payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137
   518

 * For Customers
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    * Features
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 * For Businesses
    * Merchant sign up
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    * Offer Zip in your store
    * Integration guides
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 * Support
    * Help & FAQs
    * Buyers protection
    * Disputes & complaints
    * Financial wellbeing
    * Financial hardship
    * Family violence
    * Vulnerability Disclosure Program

 * Company
    * About Zip
    * Careers
    * Investors
    * Zip Pay T&Cs
    * BNPL Code of Practice

 * For Customers
   
    * Account
       * Sign up
       * Log in
       * Zip Pay
       * Zip Plus
       * Zip Money
   
    * Shop
       * Shop with Zip
       * Gift cards
       * Cashback offers
       * See all stores
       * Black Friday deals
       * Cyber Monday deals
   
    * Features
       * How Zip works
       * Zip Rewards
       * Tap to pay with Zip
       * Single-use card
       * Zip Money instalments
       * Pay bills with Zip

 * For Businesses
   
    * Merchant sign up
    * Merchant log in
    * Offer Zip in your store
    * Integration guides
    * Zip API

 * Support
   
    * Help & FAQs
    * Buyers protection
    * Disputes & complaints
    * Financial wellbeing
    * Financial hardship
    * Family violence
    * Vulnerability Disclosure Program

 * Company
   
    * About Zip
    * Careers
    * Investors
    * Zip Pay T&Cs
    * BNPL Code of Practice

Acknowledgement of country

Zip acknowledges the Traditional Owners and Custodians of Country throughout
Australia. We pay our respects to all First Nations people and acknowledge
Elders past and present.

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