Buy now, pay later
APPLY IN MINUTES
UP TO $5,000
PAY NOTHING
TODAY
FLEXIBLE
REPAYMENTS
Up to $1,000
Interest free always
- $350–$1,000 credit limit
- Interest free always
- $7.95 monthly account fee
Waived if you pay your statement closing
balance in full by the due date.
- No establishment fee
- Repay from $10/week
- Use your account everywhere Visa is accepted^
Up to $5,000
From 3 months interest free*
- $1,000–$5,000 credit limit
- 3 - 6 months interest free*
Up to 6 months interest free terms available at select Zip partners
- $7.95 monthly account fee
Waived if nothing owing
- One-off establishment fee may apply
- Repay from $10/week or 3% of the outstanding balance (whichever is greater)
- We automatically split purchases over $300 into equal instalments to help you avoid interest charges^
Frequently Asked Questions
Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you
can manage all your expenses in one place and repay on a schedule that suits you.
To shop instore, Zip Pay users can tap to pay at checkout.^ To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.
To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.
To shop instore, Zip Pay users can tap to pay at checkout.^ To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.
To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.
See the full list where you can shop with Zip: https://zip.co/au/shop
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’re partnered with 40,000+ retail stores.
Additionally, you can use your Zip account to pay BPAY bills and buy gift cards for food, fuel and subscriptions.
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 $7.95 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 $7.95 monthly account fee applies which is waived if you have nothing owing.
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.
Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, buy gift cards and earn rewards when you use the Zip app.