an account for everyone
Zip pay
Choose the buy now, pay later account that suits you best.
go to Zip Pay
Up to $1,000
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
Interest free always
Flexible repayments
No establishment fee
$9.95 monthly account fee
Pay your statement closing balance, in full, by the due date and we'll waive the fee.
Tap to pay everywhere Visa is accepted^
Over $1,000
Bigger purchases
For buying that gym rig, new sofa or renovating your home.
Interest free for first 3 months
Retailers may offer longer interest free terms (6-60 months). At conclusion of the interest free period, interest will be charged at the standard annual rate 25.9%.
Flexible repayments
Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
One-off establishment fee
$9.95 monthly account fee
Waived if you have nothing owing.
Interest free instalment plans
For purchases over $300 we'll automatically set you up to repay in equal instalments to help you avoid interest charges.^^
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.
Is Zip suitable for everyday purchases?
Zip Pay and Zip Money are perfect for everyday expenses and offer 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 in-store, 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.
Where can I shop with Zip?
See the full list of 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.
What are the fees?
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.
With Zip Business Trade a $20 monthly account keeping fee applies, which is waived if you pay each month's closing balance by the end of the following month. There's a 1.95% invoice and BPAY®* processing fee if you choose to pay using these methods.
There's a late fee of $25 calculated monthly if you don't pay the minimum amount by the due date. We may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.
With Zip Business Trade Plus there are no extension fees if you repay any transaction by the end of the following month. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 4%. There's a 1.95% invoice and BPAY®* processing fee if you choose to pay using these methods.
There's a late fee of $25 calculated monthly if you don't pay the minimum amount by the due date. We may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.
Who can apply for Zip Business Trade or Trade Plus accounts?
To be eligible to apply, you need:
To have an active ABN or ACN
6+ months in business
More than $5,000 in monthly sales
How do refunds work?
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. Subject to the retailer refund policy.
Is Zip a buy now, pay later like Afterpay, Klarna, Humm, and
Latitude?
Yes! Zip allows you to shop just about everywhere, online and in-store. 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.
Zip Pay. Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only.T&Cs apply.^Tap to pay in store available with Zip Pay and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply.
Single use card available with Zip Pay, Zip Money, Zip Business Trade and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
^^Zip Money. Any repayment advertised will repay the transaction balance within the interest free period based (excluding a monthly account fee of $7.95 and a one-off establishment fee which may apply for new customers). Under the contract, minimum monthly repayments are required. 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 will be charged at the standard annual percentage rate, currently 19.9%. T&Cs 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).
*Payments may take up to 3 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 will be payable for each bill processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment.
®Registered to BPAY Pty Ltd ABN 69 079 137 518.
1Credit approval criteria, fees andTrade T&CsorTrade Plus T&Csapply.
2Zip Pay and Zip Money only. Redeemable when you reach the Rewards Goal. Rewards Program and Promotion T&Cs apply.
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