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SPEND YOUR DAY WITH ZIP


SPEND YOUR
DAY WITH ZIP

Buy now. Pay later.
Just about everywhere.

Sign up now
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


 * BIGGER PURCHASES ACCOUNT.
   
   Get a minimum of 3 months interest free on every purchase, always.2
   
   Sign up now

Compare Zip Pay and Zip Money 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 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



SOME OF OUR MERCHANTS




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


TAP TO PAY WITH ZIP PAY

Add Zip Pay to your phone's digital wallet to use everywhere Visa is accepted.**


CHOOSE ZIP AT CHECKOUT

Speed through checkout at over 52,000 Zip merchants.


USE A SINGLE-USE CARD

Gone are the days of finding your wallet. Create virtual payment cards for one
time use and never share your card details again. The safe, secure and private
way to pay online.**


PAY BPAY® BILLERS

Pay your bills and repay us on a schedule that suits you, spreading the cost
over time.3


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 and Zip Money?

Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up
to $10001. Repayments are based on a minimum monthly payment from as little as
$10 per week. 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 Pay, you
can shop everywhere you see the Contactless Symbol when you add your Zip card to
your Apple or Google wallet**.

Zip Money is a line of credit with credit limits between $1,000 and $5,000 for
regular accounts and up to $50,000 for specific merchants. Zip Money offers
customers a guaranteed interest-free period of 3 months across all products and
up to 36 months with some retailers2. Zip Money accounts may incur a one-off
establishment fee for certain credit limits. A $9.95 monthly account fee
applies.

Both products also feature our Shop Everywhere card, which you can use at any
online retailer that accepts Visa**.

Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?

How do repayments work?

What are the fees?


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 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. Eligible purchase excludes Zip bills and gift cards. 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. 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.
 * ** Tap to pay in store available with Zip Pay only. Use the Card everywhere
   that Visa contactless payments are accepted in store. Card T&Cs apply.
   Single-use card available with Zip Pay and Zip Money only. Use the Card
   everywhere that Visa contactless payments are accepted online. Card T&Cs
   apply.
 * 3 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

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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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