Zip Product Features
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
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.
Is Zip suitable for everyday purchase?
Zip is perfect for everyday purchases 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.
Is Zip suitable for everyday purchase?
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.
How do repayments work?
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.
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.
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.
Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?
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.
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 only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
^^Zip Money. Available to approved applicants only. Any repayment advertised will repay the transaction balance within the interest free period (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 period will be charged at the standard variable rate, 21.9% per annum as at 1 July 2022 and is subject to change. 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).
1Redeemable when you reach the Rewards Goal. Rewards Program and Promotion T&Cs apply.