Spend your day with Zip
Spend
your
day with Zip
Enjoy flexible repayment
options.
Just about everywhere.
Zip Accounts
-
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For your everyday,
plus more.Enjoy $2,000–$8,000, 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
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.
For your everyday,
plus more
For your everyday,
plus more
Apply for up to $8,000 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.
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.
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
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.*
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.**
Choose Zip at checkout
Speed through checkout at over 55,000 Zip merchants.
Pay BPAY® Billers
Pay your bills and repay us on a schedule that suits you, spreading the cost over time.4
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.***
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.***
Loved by millions of shoppers globally and counting
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.
VerifiedIn 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!
VerifiedVery helpful in need!
Zip is very helpful when you don't have money in your savings or credit card. Instalment payments are very flexible.
VerifiedZip 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.
VerifiedJust 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.
VerifiedI CAN USE THIS ANYWHERE!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.
VerifiedAlways there
If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.
VerifiedConvenient and helpful
When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interest
VerifiedFrequently Asked Questions
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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-$8,0002.- 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.
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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.
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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.