Zip - Shop Now, Pay Later

69.1K 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 26,000 retailers in our Store Directory with ease and convenience
- Tap your phone to use Tap & Zip* to purchase just about everything, everywhere
- 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
- Scan or enter your instore code 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*
How to tap & pay using the Zip app
- Make sure you have downloaded the latest Zip app
- Go to the 'Cards' tab
- Tap 'Get a card' and accept the terms to activate
- Add your Tap & Zip card to your phones mobile wallet
- Use Tap & Zip everywhere you see the contactless symbol
- 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
- Open Zip app
- Tap 'pay bills'
- Enter BPAY details from the bill you want to pay
- You set repayments that suit you. 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!
How do I use a single-use card to Shop Everywhere with Zip?
- Open the Zip app and tap 'Shop'
- Search for anything you wish to purchase
- After selecting the retailer you will be redirected to their website
- Once you have added all of your items to your basket, proceed to the checkout
- When you are required to add a payment method, simply tap the 'Pay with Zip' button at the bottom of the page. The single-use card number will fill out automatically
- Complete the checkout and we'll send you a confirmation that the purchase is approved and successful
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
- Learn more about your Zip accounts (how Zip Pay and Zip Money work) and the key features and benefits of being a Zip shopper
*Tap and Zip is available with Zip Pay only.
Updated on
3 July 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
69.1K reviews
Christine Michaloudakis
28 June 2022
Absolutely mind bender this app compared to other apps of the same nature. Does not have the ability to look at each individual purchase in details, other apps have each purchase separate and when payments are due and you have the ability to go and pay what you want when you want. Once paid what I owe off never will use it again.
3 people found this review helpful
28 June 2022
Hi Christine, We set a high standard for ourselves and are truly sorry to hear that standard was not met in your interaction with Zip. We want to ensure you’re taken care of! Please send us an email to and include "REF:2044" in the subject line so we can take a closer look. We look forward to hearing back from you. Thanks!
Juan Carlos Torres Lobelo
27 May 2022
It's a good extra alternative to a credit card..but am 44 years old and have a masters degree, but can't really explain to you how the fees work on this!. Is it after a month, before the month, if I pay a little bit or a bit more...I just pay it every month just in case. The rest I find easy and straight forward to use.
25 people found this review helpful
27 May 2022
Hi Juan, a statement will be issued at the beginning of the following month outlining your closing balance. Simply pay this balance, in full, by the due date for the account to remain fee free. Please visit our Help Centre for more information
Liv's Craft
15 June 2022
It is a good app but have been using for a few months now. It is a bit of a rip off as they don't stick to the payment plans. Have been having trouble as they will automatically transfer $200 out of your account even tho I payed an amount the week before. Always messaging me it's overdue and the fees are a bit ridiculous. They will add a extra $30 to $50 or more intop of a duing amount. Just payed $280 to them and somehow they want more. Not for me and is a bit of rip.
4 people found this review helpful
16 June 2022
Hi Liv, thanks for bringing this to our attention. So sorry you’re having trouble with your payment. We are interested in investigating this in more depth. Please email me at and include “REF:2044” in the subject line.