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.1
Interest free always
From 3 months interest free*
Frequently Asked Questions
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.
Zip Pay – Minimum monthly repayments are required. A monthly account fee of $7.95 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. Any repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Additional charges may also apply, see T&Cs. 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 23.9% per annum. The applicable interest rate is 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.