BUY NOW, PAY LATER with ZIP

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.

REWARDS

Earn exclusive cashback offers when you shop.

Interest free always

Up to $1,000

For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.

✓ Interest free always

✓ Flexible repayments

✓ No establishment fee

✓ $7.95 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^

Apply now

Bigger purchases

Over $1,000

For buying that road bike, 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 21.9%.

✓ Flexible repayments

Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.

✓ One-off establishment fee

A one-off establishment fee may apply for new customers.

✓ $7.95 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.^^

Apply now

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 and Zip Money are perfect for everyday expenses and offers 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 instore, 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.

See the full list 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.

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 Trade1 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 Plus1 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.

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

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 retailer refund policy.

Yes! Zip allows you to shop just about everywhere, online and instore. 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.