









We're local
Zip is Australian owned and founded.
We’re here to help
Talk to our Sydney-based customer service 6 days a week
We’re almost everywhere
Shop online and instore at over 40,000 Zip partners
Shop online and instore at over 55,000 Zip partners
Reviews from the App Store
★★★★★
Best buy now pay later option available.
Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and apple wallet tap and pay features.
Verified
★★★★★
Such a great app.
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
Verified
★★★★★
Exceptional customer service.
Exceptional customer service. I needed help integrating Zip with my store and they handled it seamlessly for me.
Verified
★★★★★
I can use this anywhere!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase. It is amazing! I love it. I’d rate it six stars if I could.
Verified
Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.
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.
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.
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.
* 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. Fees and charges subject to change. T&Cs apply.
* Zip Money - Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. 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 standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. 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).
¹ Zip Pay only. Use the tap to pay or single use card everywhere that Visa contactless payments are accepted in store or online. Card T&Cs apply.
1 Payments may take up to 5 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 may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
T. 02 6021 1511
T: 02 6024 2140
ABN: 77 676 115 601