Zip - Shop Now, Pay Later

70.6K reviews
Content rating
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About this app

Zip lets you own the things you love now and pay later. Buy now, pay later at every online store, everywhere. Using your Zip account is fast, easy and secure with the Zip app. Manage your account and shop just about everywhere instore or online from one secure place, find the best deals of the day, pay bills, buy gift cards or get the latest online bargains.

Explore products in the Zip app
- Browse more than 43,000 retailers in our Store Directory with ease and convenience
- Find all the things you love and discover great new ones
- Browse and buy from online stores everywhere directly from the app

Shop securely in the Zip app
- Enjoy one, simple login
- Create a virtual card to complete your shopping from start to finish

No need to ask, just Zip it
- Use your mobile phone to tap & pay with Zip Pay, interest free
- Now you can Tap & Zip* just about everything, everywhere with Zip Pay
- One tap with your phone and you can pay for your petrol, the groceries, and even your morning coffee. Interest free with Zip Pay
- Pay safer and faster using Tap & Zip*

Pay bills in the Zip app
- Pay all your personal bills and household bills with the Zip app. Split bills into manageable amounts and bundle all your bills together including:
- Monthly bills: mobile phone bills, internet bills, TV subscription services bills, insurance bills, transport bills
- Quarterly bills: electricity bill, water bill, gas bill, utility bill, strata bill, school fees, council rates
- Annual bills: car rego, car insurance bill
- Unexpected bills: ATO bill, vet bill, car service bill, dentist bill, medical bill

How to pay bills using the Zip app
1. Open Zip app
2. Tap ‘pay bills’
3. Enter BPAY details from the bill you want to pay
4. Split bills repayments and pay back weekly, fortnightly or monthly

Shop Everywhere in the Zip app
- Shop the world online using the Zip App
- Search for any online store or item and you will be redirected to the retailers website where you can ‘Pay with Zip’
- If the retailer is not partnered with Zip, Shop Everywhere will generate a single-use card which is auto-filled in the payment section of the website and voila!

Manage your account in the Zip app
- Access your Zip Pay and Zip Money accounts from one place
- Check your balance, view statements and transaction history
- Manage your Zip Pay or Zip Money payment schedule or make additional payments
- Schedule repayments to suit you – weekly, fortnightly or monthly

Stay in the know
- Be the first to know about exclusive offers, daily deals, special offers and retailer promotions
- Receive handy reminders, flash sales and exclusive deals

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

Zip Money: T&Cs, fees, charges and credit approval apply. 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. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).

Tap to pay with Zip Pay only. Use the Card everywhere Visa contactless payments are accepted in store. Use single-use Card everywhere Visa contactless payments are accepted online. Card T&Cs apply.

Payments may take up to 3 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 processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Rewards Program & Promotion T&Cs apply.
Updated on
Oct 6, 2022

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
This app may collect these data types
Personal info
Data is encrypted in transit
You can request that data be deleted
70.6K reviews
Joshua S
August 16, 2022
Been using Zip for over a year. Over the last 2 months I have been charged the account fee ($7.95) even though I paid the amount indicated by Zip. Been in contact with Zip support twice now and each time I've been told, tough luck! Their customer support is sorely lacking. Be wary of their fee waiver option as it does not work and you will be charged the account fee.
21 people found this review helpful
August 17, 2022
Hi Joshua, this is absolutely not the experience we want you to have with us! Please send us an email to and include “REF:2044” in the subject line, so we can take a closer look and see what's going on. We want to ensure you're taken care of!
Indigo Saoirse
July 23, 2022
Handy if you can be responsible with it, otherwise you're in a never ending cycle of paying something off.i have to start paying off what I owe, and will likely not be using again, because it's just too risky to be caught in that cycle. It's much better to pay one item, or amount off at a time, than have a never ending bill. Thankyou for letting me use it though :) appreciate it, it has helped get out of some tough situations. Maybe Il try to keep it, for just that. Thanks again :)
52 people found this review helpful
Nick B
August 29, 2022
Hidden fees and charges all over this app. I used the monthly fee waiver schedule to avoid the account fee, but the way it works was not communicated anywhere in the app. "Pay $40 a month to avoid the fee" is BS, you have to pay off the full amount within two months, so you get hit with a massive charge all at once if you want to avoid fees. Feels like a scam to get fees out of people who aren't able to pay that when it comes up.
20 people found this review helpful
August 30, 2022
Hi there, Sorry that you didn't have the experience you were hoping for using Zip! We do try to be very transparent with our fees, they are shown throughout the contract and we do display them on our help center. Keep in mind that we also waive the $7.95 fee if you have no balance! Thanks, Rose