Buy Now. Pay Later

Apply now

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

  • Apply for Zip
  • Get Zip approval
  • Select Zip at online checkout or
    in store register
  • Enjoy your new products
Zip pay For purchases up to $1,000 Zip money 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
Apply now

Top 10 Frequently Asked Zip Questions

More Zip Pay and Zip Money Frequently Asked Questions