Zip - Shop Now, Pay Later

zip.co

About this app

FOR EVERYDAY SPENDING, CHOOSE ZIP PAY WITH UP TO $1,000 CREDIT LIMIT
Shop now. Zip Pay later. Instantly yours. Always interest free.¹

Use Zip Pay Visa Card everywhere Visa² is accepted from groceries, petrol, bills and more. Repay weekly, fortnightly or monthly on a schedule that suits you.

OR ZIP PLUS WITH CREDIT LIMITS FROM $2,000 - $8,000
A great value digital card with interest and fee free flexibility.

Enjoy extra spending power with a higher credit limit, perfect for everyday purchases everywhere Visa is accepted—groceries, dining out, fuel, bills and more. Save with $0 international transaction fees.

Simply reduce your total owing to $1,500 or less by the end of each month and you’ll pay no interest at all. If your monthly balance is over $1,500, a low interest of 12.95% rate applies to the total account balance.³

FOR BIGGER PURCHASES, CHOOSE ZIP MONEY WITH UP TO $5,000 CREDIT LIMIT
Pay for your next step in life from holidays to renos, IVF and more. Apply for up to $5,000, pay nothing on the day of purchase and get a minimum of 3 months interest free on every purchase or up to 5 years interest free at select Zip partners. Split purchases over $300 into equal interest free instalments to help you avoid interest charges.⁴

BUILT-IN SECURITY. REWARDING PERKS. WITH EVERY PRODUCT.
Get deals, offers and cashbacks in the app
Generate a single-use card via the app to shop more securely and privately online⁵
Get notifications of upcoming repayments
Check balance, view statements and manage repayments in the Zip app

1. 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. T&Cs apply.

2. Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.

3. Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs.

4. Zip Money: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. A monthly account fee of $9.95 applies and 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 and will vary depending on your credit limit. 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 applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023.

Zip Plus and Zip Money - Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Minimum monthly repayments are required and will vary depending on your credit limit. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).

5. Zip Single-use card T&Cs apply.

Ratings and reviews

Great service, but app is poor, logs you out and resets biometric login every two weeks, need to set it up and PIN again each time. Still no dark mode on app, and it is glaringly White!! Come on guys, it's been 5 years, catch up!

TERRIBLE CUSTOMER SERVICE! After doing everything they told me to do even calling up multiple times they decided to close my account. Bunch of liars. 🤡 "Our Account Review & Security Team were able to complete their assessment based on the information provided. Unfortunately, the decision has been made not to unlock your account on the basis of recent activity that has raised security concerns. Your account will therefore be closed. Unfortunately at this stage, there is nothing else we can do."

No drama with the money side. people that give 1 star and complain about fees and getting rejected are fools that don't read T&C just want everything for nothing or have bad credit rating? but anyways the app doesn't work well for me most days it won't let me even log in at the moment I click login but nothing happens sooo yeahhh. The new version is poo