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).
Apply for a reusable Zip account with a limit that suits your needs.
Everyone's different. That's why Zip lets you tailor your payments to suit your lifestyle.
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
Select Zip at
online checkout or
in store register
|For purchases up to $1,000||For purchases over $1,000|
|Account limit||Up to $1,000||$2,000 to $10,000 (if you apply via Officeworks).
Subject to credit approval from Zip
|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||$25 (one off fee added to your balance)|
|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 $7.95, waived if you have no outstanding balance.||A monthly account fee of $7.95, waived if you have no outstanding balance, and a one off establishment fee may apply for new customers.|
|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 to approved applicants only. The repayment advertised will repay the transaction balance within the interest free period based on the advertised price. A monthly account fee of $7.95, waived if you have no outstanding balance, and a one off establishment fee may apply for new customers. Minimum monthly payments are required - paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. Any unpaid purchase balance at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 19.9%. 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.
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
- Have a verified Facebook, PayPal or LinkedIn account in your own name
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.
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.
More Zip Pay and Zip Money Frequently Asked Questions
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