An account for everyone
Choose the buy now, pay later account that suits you best.
NOTHING TO PAY TODAY
Choose how you pay - weekly, fortnightly or monthly.
SHOP JUST ABOUT EVERYWHERE
Shop at all your favourite places, online and instore, with the Zip app.
Earn exclusive cashback offers when you shop.
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.
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.
For more information, please visit https://zip.co/au
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. A one-off fee, up to $99, based on your approved credit limit may apply. See your contract for more details.
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 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.
*Zip Money - Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. The repayment advertised will repay the transaction balance within the interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required -paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable variable rate. The applicable standard variable rate is 25.9% per annum, as at 1 May 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.