Zip - Shop Now, Pay Later

75.7K reviews
Content rating
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About this app

With customisable repayments & nothing to pay on the day of purchase Zip makes life more affordable by spreading the cost over time


Easily balance the ups & downs of everyday living with $350-$1,000 interest free, to spend instantly once approved(1)

Use Zip Pay everywhere Visa is accepted from groceries, petrol, beauty, tech to fashion. Pay nothing until the end of the following month & bundle all your purchases into one weekly, fortnightly or monthly repayment on a schedule that suits you


Pay for your next step in life from holidays to renos, electronics, insurance & more. Apply for up to $5,000, pay nothing on the day of purchase & get a minimum of 3 months interest free on every purchase & up to 5 years interest free at select Zip partners(2)

Customise your repayment frequency, amount & date, or with Zip Money, split purchases over $300 into equal interest free instalments to help you avoid interest charges

Earn instant cashback rewards online & instore at select Zip partners (3)
Access exclusive offers
Interest free periods up to 5 years available at select Zip partners with Zip Money

Tap to pay: add Zip Pay to your phone & use it instore everywhere Visa contactless is accepted (4)
Virtual card: create cards for one time use for extra security
Barcode: create a barcode & speed through instore checkout at over 44,000 Zip Money partners
Shop Directory: shop from the app - eBay, Jetstar, Catch, Amazon, Bunnings, JB HiFi & more
Bills: pay over 60,000 BPAY® Billers - mobile, utility, insurance, medical, vet bills & more (5)
Buy gift cards: buy gift cards from over 120 brands. Add a personal message & GIF to your gift cards

Get notifications of upcoming repayments
Check balance, view statements & transaction history
View, change & manage repayments

1 - Zip Pay: Minimum monthly repayments required. Monthly account fee of $9.95 applies, waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply
2 - Zip Money: Available to approved applicants only & subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 & above into equal repayments within the interest free period. Eligible purchase excludes Zip bills & gift cards. A monthly account fee of $9.95 applies & a one off establishment fee may apply for new customers. Additional charges may apply see T&Cs. Under the contract minimum monthly repayments are required. If you turn off instalments all future transactions will be reverted to the minimum monthly repayment. 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 25.9% per annum as at 1.06.23. Interest, fees & charges are subject to change. T&Cs apply & 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)
3 - Redeemable when you reach Rewards Goal. Rewards Program & Promotion T&Cs apply
4 - Tap to pay with Zip Pay only. Use the Card everywhere Visa contactless payments are accepted. Use virtual card everywhere Visa is accepted online. Card T&Cs apply
5 - Bills payments may take up to 5 business days to reach biller. Certain biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans & DEFT rent. A $2.50 processing fee will be payable for each bill processed through Zip. The amount of the fee will be advised & authorised by You at the time of bill payment. ®Registered to BPAY Pty Ltd ABN 69 079 137 518
Updated on
May 26, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and App activity
This app may collect these data types
Personal info and App activity
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

74.3K reviews
Rachel Blackledge
April 19, 2024
Always been a great app, easy to navigate and make payments, reschedule or increase payment amounts. The monthly fees are pretty high, so i recommend repaying at a higher rate. $9.95 per month account fee, is $119.40 per year added. It is a lot in this cost of living crisis, especially when we are taken advantage of by some merchants for instance, food. I have to use my Zip account for food & medicine, fuel & an occasional treat.
10 people found this review helpful
April 21, 2024
Hi Rachel, Thanks for taking the time to review us. If you don't need to extra time to pay off your orders, you can have the monthly fee waived by paying the statement balance by the due date. Thanks, Soph
Michael Binns
May 23, 2024
Do Not use Flexi payments, it's designed to make you pay interest. Stick with Instalments, you have to turn instalments on in your app settings. Flex payments has been created to rip people off as there is no way to track your interest free periods. The company states they can not see flex purchases and therefore can not tell you if you have paid a item off in time. It's a huge scam!!!
2 people found this review helpful
May 24, 2024
Hi Michael, Thanks for taking the time to review us Every order on Zip Money has its own interest-free period. The interest-free period is outlined in your statements and the date the interest-free period ends is in bold. Additionally, flex repayments are always allocated to the order with the interest-free period expiring earliest Thanks, Soph
April 14, 2024
Constantly tells me I'm overdue on my payments when I'm not, get harassing phone calls, the app attempts to take money out of my account even when payments aren't due. I make a payment, then the app tries to take out another payment less than an hour later then I'm bombarded with emails and notifications that the payment failed and I need to make a payment to stop late fees. Worst money app I've ever used and would never recommend this to anyone.
14 people found this review helpful
April 14, 2024
Hi there, I'm sorry to hear your experience with us has not been the best. So I can help assist further, could you please complete the form below: From there, we will reach out via the email on file to discuss together. Thank you, Zach

What's new

In this release, we’ve made some improvements to make your Zip experience fantastic!

We’re always improving our app so be sure to update it regularly or just turn on automatic updates.
Enjoying the Zip experience? Let us know by leaving us a review.