Join millions of Zip customers globally.
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Choose a Zip account that suits you best
Up to $1,000
For your everyday
Sign up for Zip Pay
Interest free always
$
9.95
monthly account fee
No establishment fee
Tap to pay with Zip just about everywhere Contactless Payments are accepted
*
$2,000 to $4,000
For your everyday, plus more.
Sign up for Zip Plus
Interest free when your end of month balance is under $1,5001
$
9.95
monthly account fee
No establishment fee
Repay from $20/week
Tap to pay with Zip just about everywhere Contactless Payments are accepted
*
Up to $5,000
For your not-so-everyday
Sign up for Zip Money
3-60 months interest free
$
9.95
monthly account fee
One-off account establishment fee may apply for new customers
Repay from $10/week or 3% of the outstanding balance (whichever is greater)
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Getting started is easy
Choose your account
Sign up in minutes
Download the app
Repay at your own pace
How is Zip different?
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Applying is fast and easy so you can start shopping today!
Shop just about
everywhereShop at all your favourite places, online and instore, with the Zip app.
Flexible repayments
Our flexible repayments put you in control by letting you pay later at your own pace.
Frequently Asked Questions
Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0002. 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
- Use Zip Pay instore and online everywhere 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 credit 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- $4,0001.
- Use Zip Plus instore and online everywhere 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
- Shop globally, with no international transaction fees
- 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 or 3% of the outstanding balance (whichever is greater)
- 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.
References
- 1 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.
- * Tap to pay in store available with Zip Pay and Zip Plus only. Use the Card everywhere that Visa contactless payments are accepted in store.
- 2 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.
- 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. 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).
