Create your account in
moments and select
Zip at checkout
We pay the store,
you get the goods,
nothing to pay today
Choose how you
pay us back over time,
The smarter way
to pay for what
you want today
We give you one account with one
monthly statement, no matter
how many times you shop
No interest, hidden fees or
Choose repayments that suit your
lifestyle – weekly, fortnightly
We own easy
We only charge a $6 monthly account fee
when you have an outstanding account
If you pay off your balance by the due
date, we’ll waive the fee.
That’s it. Easy.
What is Zip Pay?
Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. No upfront payments and
interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments
to suit your lifestyle. Easy as.
How does it work?
Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and instore,
wherever you see Zip at checkout. That’s it – your purchase is all yours, with nothing to pay today. Interest
How do repayments work?
Your first payment won’t be due until the end of next month. When you open your account, we’ll set up a monthly
payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card
on the last day of each month and run until your purchases are paid off.
Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active until you’re ready to make a purchase.
Am I eligible for Zip Pay?
To be eligible to apply for a Zip Pay account, you need to:
- Be an Australian citizen or permanent resident
- Be at least 18 years of age
- Have a valid Facebook or PayPal account, in your own name
- Have a valid debit card, in your own name
- Have not declared bankruptcy or insolvency
What are the fees?
Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your
closing balance is paid by the due date. No balance no fee. And you’ll pay nothing upfront – there are no
setup fees and no hidden charges.If you don’t meet your minimum monthly repayment, a $5 late fee may apply. That’s it.
How do refunds work?
Start by speaking to the retailer – if they agree, they will process the refunded amount which will appear
back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount
refunded to your bank account instead. Or, simply use it for your next purchase.