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Zip is an easy and flexible payment method which gives you the freedom to buy now and pay later. There are two reusable account types, Zip Pay and Zip Money. Repayments are flexible to suit your lifestyle - weekly, fortnightly or monthly, and you can pay as much as you like as long as you meet your minimum monthly repayments (advised at the time of sign up).
Zip account
Apply for a reusable Zip account with a limit that suits your needs.
Payment flexibility
Everyone's different. That's why Zip lets you tailor your payments to suit your lifestyle.
Interest free
Every purchase you make with Zip Pay is interest free. Zip money offers interest free terms. Online or instore, every time, every day.
How it works
 For purchases up to $1,000 |
 For purchases over $1,000 |
|
| Account limit | Up to $1,000 | $1,000 to $10,000 |
|---|---|---|
| Interest free period | Always interest free^ | 12 months interest free for purchases of $1000 or more. 6 months interest free for purchases below $1000.* |
| Set up fee | No set up fee | up to $99 (based on your approved credit limit) |
| Minimum repayments | $40/month | $40/month or 3% of owing balance (whichever is greater)* |
| Payment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Monthly account fee | A monthly account fee of $9.95, waived if you have no outstanding balance. | A monthly account fee of $9.95, waived if you have no outstanding balance. |
| Late fee | Learn more about Zip Pay late fees here | Learn more about Zip Money late fees here |
Gift cards are unavailable to purchase with Zip Pay or Zip Money
*Available for approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay 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 interest rate, 25.9% per annum, as at 1 June 2023. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and 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).
^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 charged may be payable. T&Cs apply
What do you need to apply for Zip?
To be eligible to apply for a Zip Pay account, you need to:
- Be at least 18 years old
- Have a good credit history
- Be an Australian citizen or Permanent Resident
- Have your own valid and verifiable email address and mobile number
- Your online banking login to verify your income
Top 10 Frequently Asked Zip Questions
Zip Pay and Zip Money are easy and flexible buy now, pay later payment models allowing customers to shop online or in store and receive their goods before payment is completed.
Zip works like an account. For all purchases, you make during a month you receive a statement with your closing balance on the 1st day of the following month. You have until the end of the month to pay off your balance for the account to remain fee free.
Zip Pay and Zip Money are two separate accounts with a few key differences. Zip Pay can be used for purchases up to $1000, while Zip Money can be used for purchases up to $10,000. Zip Pay is always interest free while Zip Money is zero interest for 12 months*. Zip Money also has a once off setup fee of up to $99 (based on your approved credit limit).
Zip Pay is always interest free. After a period of 60 days there is a $9.95/month account fee, waived if you have no outstanding balance. The minimum monthly repayment is $40 (or less if you have a lower balance). Zip Pay also charges a $5 late fee when you have not made a repayment in 21 days (not including the initial 60-day period).
Zip Money has both 6 months interest fee (no minimum spend) and 12 months interest free (minimum spend of $1000) available at Officeworks. After the interest free period, an annual rate of 25.9% is charged on the outstanding balance. There is a one off establishment fee of up to $99 (based on your approved credit limit) for Zip Money which is added to your balance and a $9.95/month account fee, waived if you have no outstanding balance. Zip Money may also charge a late fee of $15 when you have not made a repayment after your contractual due date. The minimum monthly repayment is $40 or 3% of the total owing balance (whichever is greater).
You can apply for a Zip account through the Zip website link . You will be required to provide some personal information in order to be approved for Zip Pay or Zip Money. Zip Money has more steps to complete as the credit limit is significantly higher. This includes residential and employment status information on top of the information you need to provide for a Zip Pay account.
Important: As this is an application for a line of credit, Zip may perform a credit check as part of the sign up process. Please ensure that all personal information you provide is accurate and your own, false information will result in your application being unsuccessful. Once you submit the application, Zip will provide you with a decision as soon as possible.
Yes, simply log in to your Zip account when you reach the store checkout and select the Shop In-Store option from the menu. You will receive a 6-digit code to share with the cashier or a barcode for them to scan. Once the cashier completes your purchase, you will receive a confirmation email.
We check our prices and update them each day to ensure you’re receiving the lowest price. You can use our Price Beat Guarantee with Zip however; this option is not available for online Zip orders. We are currently working on providing the Price Beat Guarantee to Zip orders online in the future.
Once your refund has been approved by Officeworks, the refunded amount will appear back into your Zip account. Please also refer to our Returns Policy .
More Zip Pay and Zip Money Frequently Asked Questions
Yes, you may return an order in store or by getting in touch via our Contact Us page.
Unfortunately, Zip orders cannot be cancelled. You may organise a return and refund for your order once it has been delivered. You can return your online Zip orders in store Please also refer to our Returns Policy for more details, or by getting in touch via our Contact Us page.