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Zip

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April 20, 2024

<meta charset='utf-8'><meta charset="utf-8"><span data-metadata=""></span><span data-buffer=""></span><span style="white-space:pre-wrap;">https://zip.co/au<br>https://zip.co/au<br>Desktop - Light Mode - 1440x900<br>Mobile - Light Mode - 375x667<br>Home<br>Change region from Australia<br>Home<br>Open mobile navigation<br>How Zip Works<br>Shop<br>Manage<br>Help<br>For Businesses<br>Log In<br>Apply now<br>Icons<br>Icons<br>Spend your day with Zip<br>Spend your day with Zip<br>Spend your<br>Spend your<br>day with Zip<br>Buy now. Pay later. <br>day with Zip<br>Just about everywhere.<br>Sign up now<br>Buy now. Pay later. Just about everywhere.<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Sign up now<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Zip makes life more <br>affordable by spreading <br>the costs of your <br>purchases over time.<br>You'll pay nothing upfront. <br>And repay weekly, <br>fortnightly or monthly on <br>a schedule that suits you.<br>So you can spend with <br>confidence, knowing <br>you're in control of <br>tomorrow.<br>Zip Accounts<br>Zip makes life more affordable by spreading the costs of <br>Everyday account, <br>your purchases over time.<br>interest free.<br>Enjoy $350–$1,000 to spend <br>You'll pay nothing upfront. And repay weekly, fortnightly <br>instantly once approved.1<br>or monthly on a schedule that suits you.<br>Sign up now<br>So you can spend with confidence, knowing you're in <br>control of tomorrow.<br>Bigger purchases <br>account.<br>Get a minimum of 3 months <br>Zip Accounts<br>interest free on every purchase, <br>always.2<br>Everyday account, <br>Bigger purchases <br>Sign up now<br>interest free.<br>account.<br>Enjoy $350–$1,000 to spend instantly <br>Get a minimum of 3 months interest <br>Compare accounts<br>once approved.1<br>free on every purchase, always.2<br>Sign up now<br>Sign up now<br>For your everyday,<br>Compare Zip Pay and Zip Money accounts<br> there's Zip Pay<br>Apply for up to $1,000 to<br>spend, interest free always.<br>For your everyday,<br> there's Zip Pay<br>Zip Pay helps you navigate day-to-day <br>Apply for up to $1,000 to spend, interest free always.<br>life with ease by spreading the cost of <br>your purchases over time. You'll pay <br>nothing upfront, and repay weekly, <br>Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your <br>fortnightly or monthly on a schedule <br>purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or <br>that suits you, with no interest ever. <br>monthly on a schedule that suits you, with no interest ever. With Zip, you're more in <br>With Zip, you're more in control of <br>control of whatever comes your way.<br>whatever comes your way.<br>Sign up to Zip Pay<br>Explore Zip Pay<br>Sign up to Zip Pay<br>Explore Zip Pay<br>For your not-so-<br>everyday, there's<br> Zip Money<br>Apply for <br>up to $5.000<br> credit <br>to help you <br>pay for your next <br>step in life<br>, every step of the <br>way.<br>For your not-so-<br>For the expected and unexpected. For <br>everyday, there's Zip<br>renovations and celebrations. With a <br>minimum 3 months interest free on <br>every purchase and up to 5 years <br>Money<br>interest free at select Zip merchants, <br>Zip Money is there for you when you <br>need it the most.<br>Apply for <br>up to $5.000<br> credit to help you <br>pay for your next step <br>in life<br>, every step of the way.<br>Sign up to Zip Money<br>For the expected and unexpected. For renovations and celebrations. With a minimum <br>Explore Zip Money<br>3 months interest free on every purchase and up to 5 years interest free at select Zip <br>merchants, Zip Money is there for you when you need it the most.<br>Sign up to Zip Money<br>Explore Zip Money<br>Repayment <br>flexibility<br>We're not like the others. We'll bundle <br>your purchases and let you align your <br>repayments to suit your pay cycle.<br>Repay on a convenient weekly, <br>fortnightly or monthly schedule.<br>Problem with a <br>purchase? No<br>problem<br>Shop safely with Zip and if something <br>goes wrong with your purchase, <br>Repayment <br>doesn't arrive, or is significantly not as <br>described–don't stress. We're here to <br>flexibility<br>support you throughout the refund <br>process with our Buyer Protection <br>We're not like the others. We'll bundle your <br>Policy. Eligibility and exclusions apply.<br>purchases and let you align your repayments to <br>View Buyer Protection details.<br>suit your pay cycle.<br>Repay on a convenient weekly, fortnightly or <br>monthly schedule.<br>Earn instant <br>cashback<br>Problem with a <br>Not only are we flexible, we're <br>purchase?<br>rewarding too. Earn instant <br>cashback when shopping at our <br> No problem<br>rewards partners.<br>Download the Zip app to browse <br>Shop safely with Zip and if something goes wrong with your <br>and activate our range of <br>purchase, doesn't arrive, or is significantly not as described–don't <br>offers.*<br>stress. We're here to support you throughout the refund process <br>with our Buyer Protection Policy. Eligibility and exclusions apply.<br>View<br>Shop cashback offers<br>Buyer Protection details.<br>Some of our merchants<br>Earn instant <br>cashback<br>Not only are we flexible, we're rewarding too. <br>All your purchases. <br>Earn instant cashback when shopping at our <br>rewards partners.<br> All the ways to pay. <br>Download the Zip app to browse and activate <br> All spread over <br>our range of offers.*<br>time.<br>Shop cashback offers<br>Tap to Pay with Zip Pay<br>Add Zip Pay to your phone's <br>digital wallet to use everywhere <br>Visa is accepted.**<br>Some of our merchants<br>Choose Zip at checkout<br>Speed through checkout at over <br>52.000 Zip merchants.<br>All your purchases. <br>Pay BPAY® Billers<br> All the ways to pay. <br>Pay your bills and repay us on a <br>schedule that suits you, <br> All spread over time.<br>spreading the cost over time.3<br>Tap to Pay with Zip Pay<br>Choose Zip at checkout<br>Use a single-use card<br>everywhere Visa is accepted.**<br>Add Zip Pay to your phone's digital wallet to use <br>Speed through checkout at over 52.000 Zip merchants.<br>Gone are the days of finding <br>your wallet. Create virtual <br>payment cards for one time use <br>and never share your card <br>details again. The safe, secure <br>and private way to pay online.**<br>payment cards for one time use and never share your <br>Gone are the days of finding your wallet. Create virtual <br>Use a single-use card<br>pay online.**<br>card details again. The safe, secure and private way to <br>Pay your bills and repay us on a schedule that suits you, <br>Pay BPAY<br>® Billers<br>All this and lots <br>spreading the cost over time.3<br>more. <br> All inside the Zip <br>app.<br>Phone Number<br>Text me a link<br>Download on the App Store<br>Get it on Google Play<br>Loved by millions of <br>shoppers globally and <br>counting<br>All this and lots more. <br>Reviews from the<br>App Store<br>Previous<br>Next<br> All inside the Zip app.<br>Download on the App Store<br>Get it on Google Play<br>Best buy now pay later option <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>available.<br>I wish I could give them more than 5 stars! <br>Zip is very helpful when you don't have <br>I’ve used all the other platforms, and I think <br>I feel I have my own independence being <br>Literally - In Store or Online - Virtually on <br>If find Zip really easy to use and always <br>Convenient and helpful<br>Phone Number<br>Text me a link<br>Out of all the buy now pay later companies, <br>Lucky to be born in the world of Zip, helped <br>money in your savings or credit card. <br>none is close to Zip. The flexibility and <br>able to have a system like Zip. I can <br>ANY (well almost) kind of purchase.<br>there when I need them. Hassle free and <br>ZipPay has the most option available for <br>me get through many difficult times. Thank <br>Instalment payments are very flexible.<br>unlimited nature of transactions from BPay <br>purchase items I love for myself and for <br>Verified<br>paying back is easy too.<br>When purchased big ticket item it’s so <br>using in store and online having the create <br>you so much Zip Pay. I love you!<br>Verified<br>to Credit Card to in app purchasing. None of <br>others too. To be able to pay back what I <br>Verified<br>convenient to pay by ZIPPay because can <br>temporary card feature and apple wallet <br>Verified<br>the others come near to it.<br>can afford without breaking the budget.<br>be paid back by instalment without interest<br>tap and pay features.<br>Verified<br>Verified<br>Verified<br>Verified<br>Loved by millions of shoppers globally and counting<br>Reviews from the<br>App Store<br>Previous<br>Next<br>Frequently Asked <br>Questions<br>Best buy now pay later <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>What's the difference <br>Convenient and helpful<br>option available.<br>I wish I could give them more than <br>Zip is very helpful when you don't <br>I’ve used all the other platforms, <br>I feel I have my own independence <br>Literally - In Store or Online - <br>If find Zip really easy to use and <br>between Zip Pay and Zip <br>When purchased big ticket item it’s <br>Out of all the buy now pay later <br>5 stars! Lucky to be born in the <br>have money in your savings or <br>and I think none is close to Zip. The <br>being able to have a system like <br>Virtually on ANY (well almost) kind <br>always there when I need them. <br>Money?<br>so convenient to pay by ZIPPay <br>companies, ZipPay has the most <br>world of Zip, helped me get through <br>credit card. Instalment payments <br>flexibility and unlimited nature of <br>Zip. I can purchase items I love for <br>of purchase.<br>Hassle free and paying back is easy <br>because can be paid back by <br>option available for using in store <br>many difficult times. Thank you so <br>are very flexible.<br>transactions from BPay to Credit <br>myself and for others too. To be <br>Verified<br>too.<br>Zip Pay is an interest-free buy-now-pay-later service with a<br>instalment without interest<br>and online having the create <br>much Zip Pay. I love you!<br>Verified<br>Card to in app purchasing. None of <br>able to pay back what I can afford <br>Verified<br>Verified<br>temporary card feature and apple <br>Verified<br>the others come near to it.<br>without breaking the budget.<br>credit limit of up to $10001.<br>wallet tap and pay features.<br>Verified<br>Verified<br>Repayments are based on a <br>Verified<br>minimum monthly payment from <br>as little as $10 per week. A $9.95<br> monthly account fee applies, we <br>will waive the fee if you pay your <br>Frequently Asked Questions<br>statement closing balance in full, <br>by the due date. With Zip Pay, <br>you can shop everywhere you <br>see the Contactless Symbol <br>What's the difference between Zip Pay and Zip Money?<br>when you add your Zip card to <br>your Apple or Google wallet**.<br>Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10001.<br>Zip Money is a line of credit with credit limits between $1,000 and<br>Repayments are based on a minimum monthly payment from as little as $10 per week. A <br>$9.95 monthly account fee applies, we will waive the fee if you pay your statement closing<br>$5.000 for regular accounts and<br>balance in full, by the due date. With Zip Pay, you can shop everywhere you see the <br>up to $50,000 for specific <br>Contactless Symbol when you add your Zip card to your Apple or Google wallet**.<br>merchants. Zip Money offers <br>Zip Money is a line of credit with credit limits between $1,000 and $5.000 for regular<br>customers a guaranteed <br>accounts and up to $50,000 for specific merchants. Zip Money offers customers a <br>interest-free period of 3 months <br>guaranteed interest-free period of 3 months across all products and up to 36 months with <br>across all products and up to 36 <br>some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit<br>months with some retailers2. Zip<br>limits. A $9.95 monthly account fee applies.<br>Money accounts may incur a <br>one-off establishment fee for <br>Both products also feature our Shop Everywhere card, which you can use at any online <br>certain credit limits. A $9.95<br>retailer that accepts Visa**.<br> monthly account fee applies.<br>Both products also feature our <br>Shop Everywhere card, which <br>Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?<br>you can use at any online <br>retailer that accepts Visa**.<br>How do repayments work?<br>Is Zip a buy now, pay later <br>like Afterpay, Klarna, <br>Humm and Latitude?<br>What are the fees?<br>How do repayments <br>work?<br>Can't find what you're looking for?<br>Get all the support you need, when you need it by exploring the<br>help<br>What are the fees?<br>centre<br>or by contacting our team at Zip HQ in Sydney.<br>Can't find what you're looking for?<br>References<br>Get all the support you need, when <br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the <br>you need it by exploring the<br>help<br>Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a <br>centre<br>or by contacting our team at<br>trademark owned by and used with permission of EMVCo, LLC.<br>Zip HQ in Sydney.<br>1 Zip Pay: 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<br>each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs <br>References<br>apply.<br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in<br>2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible<br>the U.S. and other countries and regions. <br>purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 <br>Google, Google Pay, Google Play and the <br>applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are <br>Google Play logo are trademarks of Google <br>required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will <br>LLC. VISA is a trademark owned by Visa <br>generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable <br>International Service Association and used <br>standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on <br>under license. The Contactless Symbol is a <br>application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).<br>trademark owned by and used with <br>* Rewards are redeemable when you reach the Rewards Goal. See<br>Promotion and Reward Program T&Cs<br> for more details.<br>permission of EMVCo, LLC.<br>** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store.<br>Card T&Cs apply<br>. Single-use card available <br>1 Zip Pay: Minimum monthly repayments are<br>with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>required. A monthly account fee of $9.95 <br>applies and is subject to change. Pay your <br>3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading,<br>closing balance in full by the due date each <br>personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You <br>month and we'll waive the fee. Available to <br>at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518<br>approved applicants only and subject to <br>completion of satisfactory credit check. <br>Other charges may be payable. T&Cs apply.<br>2 Zip Money Instalments: Available to<br>For Customers<br>For Businesses<br>Support<br>Company<br>approved applicants only and subject to completion of satisfactory credit check<br>upon application. Instalment plan splits <br>Account<br>Shop<br>Features<br>Merchant sign up<br>Help & FAQs<br>About Zip<br>eligible purchases of $300 and above into <br>Sign up<br>Shop with Zip<br>How Zip works<br>Merchant log in<br>Buyers protection<br>Careers<br>equal repayments within the interest free <br>Offer Zip in your store<br>Disputes & complaints<br>Investors<br>period. Eligible purchase excludes Zip bills <br>Log in<br>Gift cards<br>Zip Rewards<br>and gift cards. A monthly account fee of <br>Zip Pay<br>Cashback offers<br>Tap to pay with Zip<br>Integration guides<br>Financial wellbeing<br>Zip Pay T&Cs<br>$9.95 applies and a one off establishment <br>Zip Money<br>See all stores<br>Single-use card<br>Zip API<br>Financial hardship<br>BNPL Code of Practice<br>fee may apply for new customers. <br>Family violence<br>Additional charges may apply, see T&Cs. <br>Zip Money instalments<br>Under the contract, minimum monthly <br>Product Protection<br>Vulnerability Disclosure <br>repayments are required. If you turn off <br>Program<br>instalments, all future transactions will be <br>Pay bills with Zip<br>reverted to the minimum monthly <br>repayment. Paying only the minimum <br>monthly repayment amount will generally <br>not repay out the purchase within the <br>Acknowledgement of country<br>Download the app<br>interest free period. Any balance <br>Zip acknowledges the Traditional Owners and Custodians of Country throughout <br>Download on the App Store<br>Get it on Google Play<br>outstanding at the expiry of the interest <br>Australia. We pay our respects to all First Nations people and acknowledge Elders <br>free period will be charged at the applicable <br>past and present.<br>standard variable interest rate of 25.9% per <br>annum, as at 1 June 2023. Interest, fees <br>and charges are subject to change. Terms & <br>Conditions apply and are available on <br>application. See your contract for further <br>Copyright © Zip Co Limited 2024. This site is protected by reCAPTCHA Enterprise and the Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>details. Credit provided by ZipMoney <br>instagram<br>facebook<br>linkedIn<br>Payments Pty Ltd (ABN 58 164 440 993, <br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>Australian Credit Licence Number 441878).<br>* Rewards are redeemable when you reach<br>the Rewards Goal. See <br>Promotion and<br>Reward Program T&Cs<br> for more details.<br>** Tap to pay in store available with Zip Pay<br>only. Use the Card everywhere that Visa <br>contactless payments are accepted in <br>store. <br>Card T&Cs apply<br>. Single-use card <br>available with Zip Pay and Zip Money only. <br>Use the Card everywhere that Visa <br>contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>3 Payments may take up to 5 business days<br>to reach your Biller. Certain Biller exclusions <br>apply including but not limited to credit <br>institutions, gambling, share trading, <br>personal loans and DEFT rent. A $2.50 <br>processing fee may be payable for each bill <br>processed using Zip Money. The amount of <br>the fee will be advised and authorised by <br>You at the time of any relevant bill payment. <br>Exceptions may apply. ® Registered to BPAY <br>Pty Ltd ABN 69 079 137 518<br>For Customers<br>For Businesses<br>Support<br>Company<br>Acknowledgement of country<br>Zip acknowledges the Traditional Owners <br>and Custodians of Country throughout <br>Australia. We pay our respects to all First <br>Nations people and acknowledge Elders <br>past and present.<br>Download the app<br>Download on the App Store<br>Get it on Google Play<br>Copyright © Zip Co Limited 2024. This site is<br>protected by reCAPTCHA Enterprise and the <br>Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>instagram<br>facebook<br>linkedIn</span>

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<meta charset='utf-8'><meta charset="utf-8"><span data-metadata=""></span><span data-buffer=""></span><span style="white-space:pre-wrap;">https://zip.co/au<br>https://zip.co/au<br>Desktop - Light Mode - 1440x900<br>Mobile - Light Mode - 375x667<br>Home<br>Change region from Australia<br>Home<br>Open mobile navigation<br>How Zip Works<br>Shop<br>Manage<br>Help<br>For Businesses<br>Log In<br>Apply now<br>Icons<br>Icons<br>Spend your day with Zip<br>Spend your day with Zip<br>Spend your<br>Spend your<br>day with Zip<br>Buy now. Pay later. <br>day with Zip<br>Just about everywhere.<br>Sign up now<br>Buy now. Pay later. Just about everywhere.<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Sign up now<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Zip makes life more <br>affordable by spreading <br>the costs of your <br>purchases over time.<br>You'll pay nothing upfront. <br>And repay weekly, <br>fortnightly or monthly on <br>a schedule that suits you.<br>So you can spend with <br>confidence, knowing <br>you're in control of <br>tomorrow.<br>Zip Accounts<br>Zip makes life more affordable by spreading the costs of <br>Everyday account, <br>your purchases over time.<br>interest free.<br>Enjoy $350–$1,000 to spend <br>You'll pay nothing upfront. And repay weekly, fortnightly <br>instantly once approved.1<br>or monthly on a schedule that suits you.<br>Sign up now<br>So you can spend with confidence, knowing you're in <br>control of tomorrow.<br>Bigger purchases <br>account.<br>Get a minimum of 3 months <br>Zip Accounts<br>interest free on every purchase, <br>always.2<br>Everyday account, <br>Bigger purchases <br>Sign up now<br>interest free.<br>account.<br>Enjoy $350–$1,000 to spend instantly <br>Get a minimum of 3 months interest <br>Compare accounts<br>once approved.1<br>free on every purchase, always.2<br>Sign up now<br>Sign up now<br>For your everyday,<br>Compare Zip Pay and Zip Money accounts<br> there's Zip Pay<br>Apply for up to $1,000 to<br>spend, interest free always.<br>For your everyday,<br> there's Zip Pay<br>Zip Pay helps you navigate day-to-day <br>Apply for up to $1,000 to spend, interest free always.<br>life with ease by spreading the cost of <br>your purchases over time. You'll pay <br>nothing upfront, and repay weekly, <br>Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your <br>fortnightly or monthly on a schedule <br>purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or <br>that suits you, with no interest ever. <br>monthly on a schedule that suits you, with no interest ever. With Zip, you're more in <br>With Zip, you're more in control of <br>control of whatever comes your way.<br>whatever comes your way.<br>Sign up to Zip Pay<br>Explore Zip Pay<br>Sign up to Zip Pay<br>Explore Zip Pay<br>For your not-so-<br>everyday, there's<br> Zip Money<br>Apply for <br>up to $5.000<br> credit <br>to help you <br>pay for your next <br>step in life<br>, every step of the <br>way.<br>For your not-so-<br>For the expected and unexpected. For <br>everyday, there's Zip<br>renovations and celebrations. With a <br>minimum 3 months interest free on <br>every purchase and up to 5 years <br>Money<br>interest free at select Zip merchants, <br>Zip Money is there for you when you <br>need it the most.<br>Apply for <br>up to $5.000<br> credit to help you <br>pay for your next step <br>in life<br>, every step of the way.<br>Sign up to Zip Money<br>For the expected and unexpected. For renovations and celebrations. With a minimum <br>Explore Zip Money<br>3 months interest free on every purchase and up to 5 years interest free at select Zip <br>merchants, Zip Money is there for you when you need it the most.<br>Sign up to Zip Money<br>Explore Zip Money<br>Repayment <br>flexibility<br>We're not like the others. We'll bundle <br>your purchases and let you align your <br>repayments to suit your pay cycle.<br>Repay on a convenient weekly, <br>fortnightly or monthly schedule.<br>Problem with a <br>purchase? No<br>problem<br>Shop safely with Zip and if something <br>goes wrong with your purchase, <br>Repayment <br>doesn't arrive, or is significantly not as <br>described–don't stress. We're here to <br>flexibility<br>support you throughout the refund <br>process with our Buyer Protection <br>We're not like the others. We'll bundle your <br>Policy. Eligibility and exclusions apply.<br>purchases and let you align your repayments to <br>View Buyer Protection details.<br>suit your pay cycle.<br>Repay on a convenient weekly, fortnightly or <br>monthly schedule.<br>Earn instant <br>cashback<br>Problem with a <br>Not only are we flexible, we're <br>purchase?<br>rewarding too. Earn instant <br>cashback when shopping at our <br> No problem<br>rewards partners.<br>Download the Zip app to browse <br>Shop safely with Zip and if something goes wrong with your <br>and activate our range of <br>purchase, doesn't arrive, or is significantly not as described–don't <br>offers.*<br>stress. We're here to support you throughout the refund process <br>with our Buyer Protection Policy. Eligibility and exclusions apply.<br>View<br>Shop cashback offers<br>Buyer Protection details.<br>Some of our merchants<br>Earn instant <br>cashback<br>Not only are we flexible, we're rewarding too. <br>All your purchases. <br>Earn instant cashback when shopping at our <br>rewards partners.<br> All the ways to pay. <br>Download the Zip app to browse and activate <br> All spread over <br>our range of offers.*<br>time.<br>Shop cashback offers<br>Tap to Pay with Zip Pay<br>Add Zip Pay to your phone's <br>digital wallet to use everywhere <br>Visa is accepted.**<br>Some of our merchants<br>Choose Zip at checkout<br>Speed through checkout at over <br>52.000 Zip merchants.<br>All your purchases. <br>Pay BPAY® Billers<br> All the ways to pay. <br>Pay your bills and repay us on a <br>schedule that suits you, <br> All spread over time.<br>spreading the cost over time.3<br>Tap to Pay with Zip Pay<br>Choose Zip at checkout<br>Use a single-use card<br>everywhere Visa is accepted.**<br>Add Zip Pay to your phone's digital wallet to use <br>Speed through checkout at over 52.000 Zip merchants.<br>Gone are the days of finding <br>your wallet. Create virtual <br>payment cards for one time use <br>and never share your card <br>details again. The safe, secure <br>and private way to pay online.**<br>payment cards for one time use and never share your <br>Gone are the days of finding your wallet. Create virtual <br>Use a single-use card<br>pay online.**<br>card details again. The safe, secure and private way to <br>Pay your bills and repay us on a schedule that suits you, <br>Pay BPAY<br>® Billers<br>All this and lots <br>spreading the cost over time.3<br>more. <br> All inside the Zip <br>app.<br>Phone Number<br>Text me a link<br>Download on the App Store<br>Get it on Google Play<br>Loved by millions of <br>shoppers globally and <br>counting<br>All this and lots more. <br>Reviews from the<br>App Store<br>Previous<br>Next<br> All inside the Zip app.<br>Download on the App Store<br>Get it on Google Play<br>Best buy now pay later option <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>available.<br>I wish I could give them more than 5 stars! <br>Zip is very helpful when you don't have <br>I’ve used all the other platforms, and I think <br>I feel I have my own independence being <br>Literally - In Store or Online - Virtually on <br>If find Zip really easy to use and always <br>Convenient and helpful<br>Phone Number<br>Text me a link<br>Out of all the buy now pay later companies, <br>Lucky to be born in the world of Zip, helped <br>money in your savings or credit card. <br>none is close to Zip. The flexibility and <br>able to have a system like Zip. I can <br>ANY (well almost) kind of purchase.<br>there when I need them. Hassle free and <br>ZipPay has the most option available for <br>me get through many difficult times. Thank <br>Instalment payments are very flexible.<br>unlimited nature of transactions from BPay <br>purchase items I love for myself and for <br>Verified<br>paying back is easy too.<br>When purchased big ticket item it’s so <br>using in store and online having the create <br>you so much Zip Pay. I love you!<br>Verified<br>to Credit Card to in app purchasing. None of <br>others too. To be able to pay back what I <br>Verified<br>convenient to pay by ZIPPay because can <br>temporary card feature and apple wallet <br>Verified<br>the others come near to it.<br>can afford without breaking the budget.<br>be paid back by instalment without interest<br>tap and pay features.<br>Verified<br>Verified<br>Verified<br>Verified<br>Loved by millions of shoppers globally and counting<br>Reviews from the<br>App Store<br>Previous<br>Next<br>Frequently Asked <br>Questions<br>Best buy now pay later <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>What's the difference <br>Convenient and helpful<br>option available.<br>I wish I could give them more than <br>Zip is very helpful when you don't <br>I’ve used all the other platforms, <br>I feel I have my own independence <br>Literally - In Store or Online - <br>If find Zip really easy to use and <br>between Zip Pay and Zip <br>When purchased big ticket item it’s <br>Out of all the buy now pay later <br>5 stars! Lucky to be born in the <br>have money in your savings or <br>and I think none is close to Zip. The <br>being able to have a system like <br>Virtually on ANY (well almost) kind <br>always there when I need them. <br>Money?<br>so convenient to pay by ZIPPay <br>companies, ZipPay has the most <br>world of Zip, helped me get through <br>credit card. Instalment payments <br>flexibility and unlimited nature of <br>Zip. I can purchase items I love for <br>of purchase.<br>Hassle free and paying back is easy <br>because can be paid back by <br>option available for using in store <br>many difficult times. Thank you so <br>are very flexible.<br>transactions from BPay to Credit <br>myself and for others too. To be <br>Verified<br>too.<br>Zip Pay is an interest-free buy-now-pay-later service with a<br>instalment without interest<br>and online having the create <br>much Zip Pay. I love you!<br>Verified<br>Card to in app purchasing. None of <br>able to pay back what I can afford <br>Verified<br>Verified<br>temporary card feature and apple <br>Verified<br>the others come near to it.<br>without breaking the budget.<br>credit limit of up to $10001.<br>wallet tap and pay features.<br>Verified<br>Verified<br>Repayments are based on a <br>Verified<br>minimum monthly payment from <br>as little as $10 per week. A $9.95<br> monthly account fee applies, we <br>will waive the fee if you pay your <br>Frequently Asked Questions<br>statement closing balance in full, <br>by the due date. With Zip Pay, <br>you can shop everywhere you <br>see the Contactless Symbol <br>What's the difference between Zip Pay and Zip Money?<br>when you add your Zip card to <br>your Apple or Google wallet**.<br>Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10001.<br>Zip Money is a line of credit with credit limits between $1,000 and<br>Repayments are based on a minimum monthly payment from as little as $10 per week. A <br>$9.95 monthly account fee applies, we will waive the fee if you pay your statement closing<br>$5.000 for regular accounts and<br>balance in full, by the due date. With Zip Pay, you can shop everywhere you see the <br>up to $50,000 for specific <br>Contactless Symbol when you add your Zip card to your Apple or Google wallet**.<br>merchants. Zip Money offers <br>Zip Money is a line of credit with credit limits between $1,000 and $5.000 for regular<br>customers a guaranteed <br>accounts and up to $50,000 for specific merchants. Zip Money offers customers a <br>interest-free period of 3 months <br>guaranteed interest-free period of 3 months across all products and up to 36 months with <br>across all products and up to 36 <br>some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit<br>months with some retailers2. Zip<br>limits. A $9.95 monthly account fee applies.<br>Money accounts may incur a <br>one-off establishment fee for <br>Both products also feature our Shop Everywhere card, which you can use at any online <br>certain credit limits. A $9.95<br>retailer that accepts Visa**.<br> monthly account fee applies.<br>Both products also feature our <br>Shop Everywhere card, which <br>Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?<br>you can use at any online <br>retailer that accepts Visa**.<br>How do repayments work?<br>Is Zip a buy now, pay later <br>like Afterpay, Klarna, <br>Humm and Latitude?<br>What are the fees?<br>How do repayments <br>work?<br>Can't find what you're looking for?<br>Get all the support you need, when you need it by exploring the<br>help<br>What are the fees?<br>centre<br>or by contacting our team at Zip HQ in Sydney.<br>Can't find what you're looking for?<br>References<br>Get all the support you need, when <br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the <br>you need it by exploring the<br>help<br>Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a <br>centre<br>or by contacting our team at<br>trademark owned by and used with permission of EMVCo, LLC.<br>Zip HQ in Sydney.<br>1 Zip Pay: 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<br>each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs <br>References<br>apply.<br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in<br>2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible<br>the U.S. and other countries and regions. <br>purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 <br>Google, Google Pay, Google Play and the <br>applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are <br>Google Play logo are trademarks of Google <br>required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will <br>LLC. VISA is a trademark owned by Visa <br>generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable <br>International Service Association and used <br>standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on <br>under license. The Contactless Symbol is a <br>application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).<br>trademark owned by and used with <br>* Rewards are redeemable when you reach the Rewards Goal. See<br>Promotion and Reward Program T&Cs<br> for more details.<br>permission of EMVCo, LLC.<br>** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store.<br>Card T&Cs apply<br>. Single-use card available <br>1 Zip Pay: Minimum monthly repayments are<br>with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>required. A monthly account fee of $9.95 <br>applies and is subject to change. Pay your <br>3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading,<br>closing balance in full by the due date each <br>personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You <br>month and we'll waive the fee. Available to <br>at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518<br>approved applicants only and subject to <br>completion of satisfactory credit check. <br>Other charges may be payable. T&Cs apply.<br>2 Zip Money Instalments: Available to<br>For Customers<br>For Businesses<br>Support<br>Company<br>approved applicants only and subject to completion of satisfactory credit check<br>upon application. Instalment plan splits <br>Account<br>Shop<br>Features<br>Merchant sign up<br>Help & FAQs<br>About Zip<br>eligible purchases of $300 and above into <br>Sign up<br>Shop with Zip<br>How Zip works<br>Merchant log in<br>Buyers protection<br>Careers<br>equal repayments within the interest free <br>Offer Zip in your store<br>Disputes & complaints<br>Investors<br>period. Eligible purchase excludes Zip bills <br>Log in<br>Gift cards<br>Zip Rewards<br>and gift cards. A monthly account fee of <br>Zip Pay<br>Cashback offers<br>Tap to pay with Zip<br>Integration guides<br>Financial wellbeing<br>Zip Pay T&Cs<br>$9.95 applies and a one off establishment <br>Zip Money<br>See all stores<br>Single-use card<br>Zip API<br>Financial hardship<br>BNPL Code of Practice<br>fee may apply for new customers. <br>Family violence<br>Additional charges may apply, see T&Cs. <br>Zip Money instalments<br>Under the contract, minimum monthly <br>Product Protection<br>Vulnerability Disclosure <br>repayments are required. If you turn off <br>Program<br>instalments, all future transactions will be <br>Pay bills with Zip<br>reverted to the minimum monthly <br>repayment. Paying only the minimum <br>monthly repayment amount will generally <br>not repay out the purchase within the <br>Acknowledgement of country<br>Download the app<br>interest free period. Any balance <br>Zip acknowledges the Traditional Owners and Custodians of Country throughout <br>Download on the App Store<br>Get it on Google Play<br>outstanding at the expiry of the interest <br>Australia. We pay our respects to all First Nations people and acknowledge Elders <br>free period will be charged at the applicable <br>past and present.<br>standard variable interest rate of 25.9% per <br>annum, as at 1 June 2023. Interest, fees <br>and charges are subject to change. Terms & <br>Conditions apply and are available on <br>application. See your contract for further <br>Copyright © Zip Co Limited 2024. This site is protected by reCAPTCHA Enterprise and the Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>details. Credit provided by ZipMoney <br>instagram<br>facebook<br>linkedIn<br>Payments Pty Ltd (ABN 58 164 440 993, <br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>Australian Credit Licence Number 441878).<br>* Rewards are redeemable when you reach<br>the Rewards Goal. See <br>Promotion and<br>Reward Program T&Cs<br> for more details.<br>** Tap to pay in store available with Zip Pay<br>only. Use the Card everywhere that Visa <br>contactless payments are accepted in <br>store. <br>Card T&Cs apply<br>. Single-use card <br>available with Zip Pay and Zip Money only. <br>Use the Card everywhere that Visa <br>contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>3 Payments may take up to 5 business days<br>to reach your Biller. Certain Biller exclusions <br>apply including but not limited to credit <br>institutions, gambling, share trading, <br>personal loans and DEFT rent. A $2.50 <br>processing fee may be payable for each bill <br>processed using Zip Money. The amount of <br>the fee will be advised and authorised by <br>You at the time of any relevant bill payment. <br>Exceptions may apply. ® Registered to BPAY <br>Pty Ltd ABN 69 079 137 518<br>For Customers<br>For Businesses<br>Support<br>Company<br>Acknowledgement of country<br>Zip acknowledges the Traditional Owners <br>and Custodians of Country throughout <br>Australia. We pay our respects to all First <br>Nations people and acknowledge Elders <br>past and present.<br>Download the app<br>Download on the App Store<br>Get it on Google Play<br>Copyright © Zip Co Limited 2024. This site is<br>protected by reCAPTCHA Enterprise and the <br>Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>instagram<br>facebook<br>linkedIn</span>

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<meta charset='utf-8'><meta charset="utf-8"><span data-metadata=""></span><span data-buffer=""></span><span style="white-space:pre-wrap;">https://zip.co/au<br>https://zip.co/au<br>Desktop - Light Mode - 1440x900<br>Mobile - Light Mode - 375x667<br>Home<br>Change region from Australia<br>Home<br>Open mobile navigation<br>How Zip Works<br>Shop<br>Manage<br>Help<br>For Businesses<br>Log In<br>Apply now<br>Icons<br>Icons<br>Spend your day with Zip<br>Spend your day with Zip<br>Spend your<br>Spend your<br>day with Zip<br>Buy now. Pay later. <br>day with Zip<br>Just about everywhere.<br>Sign up now<br>Buy now. Pay later. Just about everywhere.<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Sign up now<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Zip makes life more <br>affordable by spreading <br>the costs of your <br>purchases over time.<br>You'll pay nothing upfront. <br>And repay weekly, <br>fortnightly or monthly on <br>a schedule that suits you.<br>So you can spend with <br>confidence, knowing <br>you're in control of <br>tomorrow.<br>Zip Accounts<br>Zip makes life more affordable by spreading the costs of <br>Everyday account, <br>your purchases over time.<br>interest free.<br>Enjoy $350–$1,000 to spend <br>You'll pay nothing upfront. And repay weekly, fortnightly <br>instantly once approved.1<br>or monthly on a schedule that suits you.<br>Sign up now<br>So you can spend with confidence, knowing you're in <br>control of tomorrow.<br>Bigger purchases <br>account.<br>Get a minimum of 3 months <br>Zip Accounts<br>interest free on every purchase, <br>always.2<br>Everyday account, <br>Bigger purchases <br>Sign up now<br>interest free.<br>account.<br>Enjoy $350–$1,000 to spend instantly <br>Get a minimum of 3 months interest <br>Compare accounts<br>once approved.1<br>free on every purchase, always.2<br>Sign up now<br>Sign up now<br>For your everyday,<br>Compare Zip Pay and Zip Money accounts<br> there's Zip Pay<br>Apply for up to $1,000 to<br>spend, interest free always.<br>For your everyday,<br> there's Zip Pay<br>Zip Pay helps you navigate day-to-day <br>Apply for up to $1,000 to spend, interest free always.<br>life with ease by spreading the cost of <br>your purchases over time. You'll pay <br>nothing upfront, and repay weekly, <br>Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your <br>fortnightly or monthly on a schedule <br>purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or <br>that suits you, with no interest ever. <br>monthly on a schedule that suits you, with no interest ever. With Zip, you're more in <br>With Zip, you're more in control of <br>control of whatever comes your way.<br>whatever comes your way.<br>Sign up to Zip Pay<br>Explore Zip Pay<br>Sign up to Zip Pay<br>Explore Zip Pay<br>For your not-so-<br>everyday, there's<br> Zip Money<br>Apply for <br>up to $5.000<br> credit <br>to help you <br>pay for your next <br>step in life<br>, every step of the <br>way.<br>For your not-so-<br>For the expected and unexpected. For <br>everyday, there's Zip<br>renovations and celebrations. With a <br>minimum 3 months interest free on <br>every purchase and up to 5 years <br>Money<br>interest free at select Zip merchants, <br>Zip Money is there for you when you <br>need it the most.<br>Apply for <br>up to $5.000<br> credit to help you <br>pay for your next step <br>in life<br>, every step of the way.<br>Sign up to Zip Money<br>For the expected and unexpected. For renovations and celebrations. With a minimum <br>Explore Zip Money<br>3 months interest free on every purchase and up to 5 years interest free at select Zip <br>merchants, Zip Money is there for you when you need it the most.<br>Sign up to Zip Money<br>Explore Zip Money<br>Repayment <br>flexibility<br>We're not like the others. We'll bundle <br>your purchases and let you align your <br>repayments to suit your pay cycle.<br>Repay on a convenient weekly, <br>fortnightly or monthly schedule.<br>Problem with a <br>purchase? No<br>problem<br>Shop safely with Zip and if something <br>goes wrong with your purchase, <br>Repayment <br>doesn't arrive, or is significantly not as <br>described–don't stress. We're here to <br>flexibility<br>support you throughout the refund <br>process with our Buyer Protection <br>We're not like the others. We'll bundle your <br>Policy. Eligibility and exclusions apply.<br>purchases and let you align your repayments to <br>View Buyer Protection details.<br>suit your pay cycle.<br>Repay on a convenient weekly, fortnightly or <br>monthly schedule.<br>Earn instant <br>cashback<br>Problem with a <br>Not only are we flexible, we're <br>purchase?<br>rewarding too. Earn instant <br>cashback when shopping at our <br> No problem<br>rewards partners.<br>Download the Zip app to browse <br>Shop safely with Zip and if something goes wrong with your <br>and activate our range of <br>purchase, doesn't arrive, or is significantly not as described–don't <br>offers.*<br>stress. We're here to support you throughout the refund process <br>with our Buyer Protection Policy. Eligibility and exclusions apply.<br>View<br>Shop cashback offers<br>Buyer Protection details.<br>Some of our merchants<br>Earn instant <br>cashback<br>Not only are we flexible, we're rewarding too. <br>All your purchases. <br>Earn instant cashback when shopping at our <br>rewards partners.<br> All the ways to pay. <br>Download the Zip app to browse and activate <br> All spread over <br>our range of offers.*<br>time.<br>Shop cashback offers<br>Tap to Pay with Zip Pay<br>Add Zip Pay to your phone's <br>digital wallet to use everywhere <br>Visa is accepted.**<br>Some of our merchants<br>Choose Zip at checkout<br>Speed through checkout at over <br>52.000 Zip merchants.<br>All your purchases. <br>Pay BPAY® Billers<br> All the ways to pay. <br>Pay your bills and repay us on a <br>schedule that suits you, <br> All spread over time.<br>spreading the cost over time.3<br>Tap to Pay with Zip Pay<br>Choose Zip at checkout<br>Use a single-use card<br>everywhere Visa is accepted.**<br>Add Zip Pay to your phone's digital wallet to use <br>Speed through checkout at over 52.000 Zip merchants.<br>Gone are the days of finding <br>your wallet. Create virtual <br>payment cards for one time use <br>and never share your card <br>details again. The safe, secure <br>and private way to pay online.**<br>payment cards for one time use and never share your <br>Gone are the days of finding your wallet. Create virtual <br>Use a single-use card<br>pay online.**<br>card details again. The safe, secure and private way to <br>Pay your bills and repay us on a schedule that suits you, <br>Pay BPAY<br>® Billers<br>All this and lots <br>spreading the cost over time.3<br>more. <br> All inside the Zip <br>app.<br>Phone Number<br>Text me a link<br>Download on the App Store<br>Get it on Google Play<br>Loved by millions of <br>shoppers globally and <br>counting<br>All this and lots more. <br>Reviews from the<br>App Store<br>Previous<br>Next<br> All inside the Zip app.<br>Download on the App Store<br>Get it on Google Play<br>Best buy now pay later option <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>available.<br>I wish I could give them more than 5 stars! <br>Zip is very helpful when you don't have <br>I’ve used all the other platforms, and I think <br>I feel I have my own independence being <br>Literally - In Store or Online - Virtually on <br>If find Zip really easy to use and always <br>Convenient and helpful<br>Phone Number<br>Text me a link<br>Out of all the buy now pay later companies, <br>Lucky to be born in the world of Zip, helped <br>money in your savings or credit card. <br>none is close to Zip. The flexibility and <br>able to have a system like Zip. I can <br>ANY (well almost) kind of purchase.<br>there when I need them. Hassle free and <br>ZipPay has the most option available for <br>me get through many difficult times. Thank <br>Instalment payments are very flexible.<br>unlimited nature of transactions from BPay <br>purchase items I love for myself and for <br>Verified<br>paying back is easy too.<br>When purchased big ticket item it’s so <br>using in store and online having the create <br>you so much Zip Pay. I love you!<br>Verified<br>to Credit Card to in app purchasing. None of <br>others too. To be able to pay back what I <br>Verified<br>convenient to pay by ZIPPay because can <br>temporary card feature and apple wallet <br>Verified<br>the others come near to it.<br>can afford without breaking the budget.<br>be paid back by instalment without interest<br>tap and pay features.<br>Verified<br>Verified<br>Verified<br>Verified<br>Loved by millions of shoppers globally and counting<br>Reviews from the<br>App Store<br>Previous<br>Next<br>Frequently Asked <br>Questions<br>Best buy now pay later <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>What's the difference <br>Convenient and helpful<br>option available.<br>I wish I could give them more than <br>Zip is very helpful when you don't <br>I’ve used all the other platforms, <br>I feel I have my own independence <br>Literally - In Store or Online - <br>If find Zip really easy to use and <br>between Zip Pay and Zip <br>When purchased big ticket item it’s <br>Out of all the buy now pay later <br>5 stars! Lucky to be born in the <br>have money in your savings or <br>and I think none is close to Zip. The <br>being able to have a system like <br>Virtually on ANY (well almost) kind <br>always there when I need them. <br>Money?<br>so convenient to pay by ZIPPay <br>companies, ZipPay has the most <br>world of Zip, helped me get through <br>credit card. Instalment payments <br>flexibility and unlimited nature of <br>Zip. I can purchase items I love for <br>of purchase.<br>Hassle free and paying back is easy <br>because can be paid back by <br>option available for using in store <br>many difficult times. Thank you so <br>are very flexible.<br>transactions from BPay to Credit <br>myself and for others too. To be <br>Verified<br>too.<br>Zip Pay is an interest-free buy-now-pay-later service with a<br>instalment without interest<br>and online having the create <br>much Zip Pay. I love you!<br>Verified<br>Card to in app purchasing. None of <br>able to pay back what I can afford <br>Verified<br>Verified<br>temporary card feature and apple <br>Verified<br>the others come near to it.<br>without breaking the budget.<br>credit limit of up to $10001.<br>wallet tap and pay features.<br>Verified<br>Verified<br>Repayments are based on a <br>Verified<br>minimum monthly payment from <br>as little as $10 per week. A $9.95<br> monthly account fee applies, we <br>will waive the fee if you pay your <br>Frequently Asked Questions<br>statement closing balance in full, <br>by the due date. With Zip Pay, <br>you can shop everywhere you <br>see the Contactless Symbol <br>What's the difference between Zip Pay and Zip Money?<br>when you add your Zip card to <br>your Apple or Google wallet**.<br>Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10001.<br>Zip Money is a line of credit with credit limits between $1,000 and<br>Repayments are based on a minimum monthly payment from as little as $10 per week. A <br>$9.95 monthly account fee applies, we will waive the fee if you pay your statement closing<br>$5.000 for regular accounts and<br>balance in full, by the due date. With Zip Pay, you can shop everywhere you see the <br>up to $50,000 for specific <br>Contactless Symbol when you add your Zip card to your Apple or Google wallet**.<br>merchants. Zip Money offers <br>Zip Money is a line of credit with credit limits between $1,000 and $5.000 for regular<br>customers a guaranteed <br>accounts and up to $50,000 for specific merchants. Zip Money offers customers a <br>interest-free period of 3 months <br>guaranteed interest-free period of 3 months across all products and up to 36 months with <br>across all products and up to 36 <br>some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit<br>months with some retailers2. Zip<br>limits. A $9.95 monthly account fee applies.<br>Money accounts may incur a <br>one-off establishment fee for <br>Both products also feature our Shop Everywhere card, which you can use at any online <br>certain credit limits. A $9.95<br>retailer that accepts Visa**.<br> monthly account fee applies.<br>Both products also feature our <br>Shop Everywhere card, which <br>Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?<br>you can use at any online <br>retailer that accepts Visa**.<br>How do repayments work?<br>Is Zip a buy now, pay later <br>like Afterpay, Klarna, <br>Humm and Latitude?<br>What are the fees?<br>How do repayments <br>work?<br>Can't find what you're looking for?<br>Get all the support you need, when you need it by exploring the<br>help<br>What are the fees?<br>centre<br>or by contacting our team at Zip HQ in Sydney.<br>Can't find what you're looking for?<br>References<br>Get all the support you need, when <br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the <br>you need it by exploring the<br>help<br>Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a <br>centre<br>or by contacting our team at<br>trademark owned by and used with permission of EMVCo, LLC.<br>Zip HQ in Sydney.<br>1 Zip Pay: 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<br>each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs <br>References<br>apply.<br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in<br>2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible<br>the U.S. and other countries and regions. <br>purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 <br>Google, Google Pay, Google Play and the <br>applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are <br>Google Play logo are trademarks of Google <br>required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will <br>LLC. VISA is a trademark owned by Visa <br>generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable <br>International Service Association and used <br>standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on <br>under license. The Contactless Symbol is a <br>application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).<br>trademark owned by and used with <br>* Rewards are redeemable when you reach the Rewards Goal. See<br>Promotion and Reward Program T&Cs<br> for more details.<br>permission of EMVCo, LLC.<br>** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store.<br>Card T&Cs apply<br>. Single-use card available <br>1 Zip Pay: Minimum monthly repayments are<br>with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>required. A monthly account fee of $9.95 <br>applies and is subject to change. Pay your <br>3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading,<br>closing balance in full by the due date each <br>personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You <br>month and we'll waive the fee. Available to <br>at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518<br>approved applicants only and subject to <br>completion of satisfactory credit check. <br>Other charges may be payable. T&Cs apply.<br>2 Zip Money Instalments: Available to<br>For Customers<br>For Businesses<br>Support<br>Company<br>approved applicants only and subject to completion of satisfactory credit check<br>upon application. Instalment plan splits <br>Account<br>Shop<br>Features<br>Merchant sign up<br>Help & FAQs<br>About Zip<br>eligible purchases of $300 and above into <br>Sign up<br>Shop with Zip<br>How Zip works<br>Merchant log in<br>Buyers protection<br>Careers<br>equal repayments within the interest free <br>Offer Zip in your store<br>Disputes & complaints<br>Investors<br>period. Eligible purchase excludes Zip bills <br>Log in<br>Gift cards<br>Zip Rewards<br>and gift cards. A monthly account fee of <br>Zip Pay<br>Cashback offers<br>Tap to pay with Zip<br>Integration guides<br>Financial wellbeing<br>Zip Pay T&Cs<br>$9.95 applies and a one off establishment <br>Zip Money<br>See all stores<br>Single-use card<br>Zip API<br>Financial hardship<br>BNPL Code of Practice<br>fee may apply for new customers. <br>Family violence<br>Additional charges may apply, see T&Cs. <br>Zip Money instalments<br>Under the contract, minimum monthly <br>Product Protection<br>Vulnerability Disclosure <br>repayments are required. If you turn off <br>Program<br>instalments, all future transactions will be <br>Pay bills with Zip<br>reverted to the minimum monthly <br>repayment. Paying only the minimum <br>monthly repayment amount will generally <br>not repay out the purchase within the <br>Acknowledgement of country<br>Download the app<br>interest free period. Any balance <br>Zip acknowledges the Traditional Owners and Custodians of Country throughout <br>Download on the App Store<br>Get it on Google Play<br>outstanding at the expiry of the interest <br>Australia. We pay our respects to all First Nations people and acknowledge Elders <br>free period will be charged at the applicable <br>past and present.<br>standard variable interest rate of 25.9% per <br>annum, as at 1 June 2023. Interest, fees <br>and charges are subject to change. Terms & <br>Conditions apply and are available on <br>application. See your contract for further <br>Copyright © Zip Co Limited 2024. This site is protected by reCAPTCHA Enterprise and the Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>details. Credit provided by ZipMoney <br>instagram<br>facebook<br>linkedIn<br>Payments Pty Ltd (ABN 58 164 440 993, <br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>Australian Credit Licence Number 441878).<br>* Rewards are redeemable when you reach<br>the Rewards Goal. See <br>Promotion and<br>Reward Program T&Cs<br> for more details.<br>** Tap to pay in store available with Zip Pay<br>only. Use the Card everywhere that Visa <br>contactless payments are accepted in <br>store. <br>Card T&Cs apply<br>. Single-use card <br>available with Zip Pay and Zip Money only. <br>Use the Card everywhere that Visa <br>contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>3 Payments may take up to 5 business days<br>to reach your Biller. Certain Biller exclusions <br>apply including but not limited to credit <br>institutions, gambling, share trading, <br>personal loans and DEFT rent. A $2.50 <br>processing fee may be payable for each bill <br>processed using Zip Money. The amount of <br>the fee will be advised and authorised by <br>You at the time of any relevant bill payment. <br>Exceptions may apply. ® Registered to BPAY <br>Pty Ltd ABN 69 079 137 518<br>For Customers<br>For Businesses<br>Support<br>Company<br>Acknowledgement of country<br>Zip acknowledges the Traditional Owners <br>and Custodians of Country throughout <br>Australia. We pay our respects to all First <br>Nations people and acknowledge Elders <br>past and present.<br>Download the app<br>Download on the App Store<br>Get it on Google Play<br>Copyright © Zip Co Limited 2024. This site is<br>protected by reCAPTCHA Enterprise and the <br>Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>instagram<br>facebook<br>linkedIn</span>

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<meta charset='utf-8'><meta charset="utf-8"><span data-metadata=""></span><span data-buffer=""></span><span style="white-space:pre-wrap;">https://zip.co/au<br>https://zip.co/au<br>Desktop - Light Mode - 1440x900<br>Mobile - Light Mode - 375x667<br>Home<br>Change region from Australia<br>Home<br>Open mobile navigation<br>How Zip Works<br>Shop<br>Manage<br>Help<br>For Businesses<br>Log In<br>Apply now<br>Icons<br>Icons<br>Spend your day with Zip<br>Spend your day with Zip<br>Spend your<br>Spend your<br>day with Zip<br>Buy now. Pay later. <br>day with Zip<br>Just about everywhere.<br>Sign up now<br>Buy now. Pay later. Just about everywhere.<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Sign up now<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Zip makes life more <br>affordable by spreading <br>the costs of your <br>purchases over time.<br>You'll pay nothing upfront. <br>And repay weekly, <br>fortnightly or monthly on <br>a schedule that suits you.<br>So you can spend with <br>confidence, knowing <br>you're in control of <br>tomorrow.<br>Zip Accounts<br>Zip makes life more affordable by spreading the costs of <br>Everyday account, <br>your purchases over time.<br>interest free.<br>Enjoy $350–$1,000 to spend <br>You'll pay nothing upfront. And repay weekly, fortnightly <br>instantly once approved.1<br>or monthly on a schedule that suits you.<br>Sign up now<br>So you can spend with confidence, knowing you're in <br>control of tomorrow.<br>Bigger purchases <br>account.<br>Get a minimum of 3 months <br>Zip Accounts<br>interest free on every purchase, <br>always.2<br>Everyday account, <br>Bigger purchases <br>Sign up now<br>interest free.<br>account.<br>Enjoy $350–$1,000 to spend instantly <br>Get a minimum of 3 months interest <br>Compare accounts<br>once approved.1<br>free on every purchase, always.2<br>Sign up now<br>Sign up now<br>For your everyday,<br>Compare Zip Pay and Zip Money accounts<br> there's Zip Pay<br>Apply for up to $1,000 to<br>spend, interest free always.<br>For your everyday,<br> there's Zip Pay<br>Zip Pay helps you navigate day-to-day <br>Apply for up to $1,000 to spend, interest free always.<br>life with ease by spreading the cost of <br>your purchases over time. You'll pay <br>nothing upfront, and repay weekly, <br>Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your <br>fortnightly or monthly on a schedule <br>purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or <br>that suits you, with no interest ever. <br>monthly on a schedule that suits you, with no interest ever. With Zip, you're more in <br>With Zip, you're more in control of <br>control of whatever comes your way.<br>whatever comes your way.<br>Sign up to Zip Pay<br>Explore Zip Pay<br>Sign up to Zip Pay<br>Explore Zip Pay<br>For your not-so-<br>everyday, there's<br> Zip Money<br>Apply for <br>up to $5.000<br> credit <br>to help you <br>pay for your next <br>step in life<br>, every step of the <br>way.<br>For your not-so-<br>For the expected and unexpected. For <br>everyday, there's Zip<br>renovations and celebrations. With a <br>minimum 3 months interest free on <br>every purchase and up to 5 years <br>Money<br>interest free at select Zip merchants, <br>Zip Money is there for you when you <br>need it the most.<br>Apply for <br>up to $5.000<br> credit to help you <br>pay for your next step <br>in life<br>, every step of the way.<br>Sign up to Zip Money<br>For the expected and unexpected. For renovations and celebrations. With a minimum <br>Explore Zip Money<br>3 months interest free on every purchase and up to 5 years interest free at select Zip <br>merchants, Zip Money is there for you when you need it the most.<br>Sign up to Zip Money<br>Explore Zip Money<br>Repayment <br>flexibility<br>We're not like the others. We'll bundle <br>your purchases and let you align your <br>repayments to suit your pay cycle.<br>Repay on a convenient weekly, <br>fortnightly or monthly schedule.<br>Problem with a <br>purchase? No<br>problem<br>Shop safely with Zip and if something <br>goes wrong with your purchase, <br>Repayment <br>doesn't arrive, or is significantly not as <br>described–don't stress. We're here to <br>flexibility<br>support you throughout the refund <br>process with our Buyer Protection <br>We're not like the others. We'll bundle your <br>Policy. Eligibility and exclusions apply.<br>purchases and let you align your repayments to <br>View Buyer Protection details.<br>suit your pay cycle.<br>Repay on a convenient weekly, fortnightly or <br>monthly schedule.<br>Earn instant <br>cashback<br>Problem with a <br>Not only are we flexible, we're <br>purchase?<br>rewarding too. Earn instant <br>cashback when shopping at our <br> No problem<br>rewards partners.<br>Download the Zip app to browse <br>Shop safely with Zip and if something goes wrong with your <br>and activate our range of <br>purchase, doesn't arrive, or is significantly not as described–don't <br>offers.*<br>stress. We're here to support you throughout the refund process <br>with our Buyer Protection Policy. Eligibility and exclusions apply.<br>View<br>Shop cashback offers<br>Buyer Protection details.<br>Some of our merchants<br>Earn instant <br>cashback<br>Not only are we flexible, we're rewarding too. <br>All your purchases. <br>Earn instant cashback when shopping at our <br>rewards partners.<br> All the ways to pay. <br>Download the Zip app to browse and activate <br> All spread over <br>our range of offers.*<br>time.<br>Shop cashback offers<br>Tap to Pay with Zip Pay<br>Add Zip Pay to your phone's <br>digital wallet to use everywhere <br>Visa is accepted.**<br>Some of our merchants<br>Choose Zip at checkout<br>Speed through checkout at over <br>52.000 Zip merchants.<br>All your purchases. <br>Pay BPAY® Billers<br> All the ways to pay. <br>Pay your bills and repay us on a <br>schedule that suits you, <br> All spread over time.<br>spreading the cost over time.3<br>Tap to Pay with Zip Pay<br>Choose Zip at checkout<br>Use a single-use card<br>everywhere Visa is accepted.**<br>Add Zip Pay to your phone's digital wallet to use <br>Speed through checkout at over 52.000 Zip merchants.<br>Gone are the days of finding <br>your wallet. Create virtual <br>payment cards for one time use <br>and never share your card <br>details again. The safe, secure <br>and private way to pay online.**<br>payment cards for one time use and never share your <br>Gone are the days of finding your wallet. Create virtual <br>Use a single-use card<br>pay online.**<br>card details again. The safe, secure and private way to <br>Pay your bills and repay us on a schedule that suits you, <br>Pay BPAY<br>® Billers<br>All this and lots <br>spreading the cost over time.3<br>more. <br> All inside the Zip <br>app.<br>Phone Number<br>Text me a link<br>Download on the App Store<br>Get it on Google Play<br>Loved by millions of <br>shoppers globally and <br>counting<br>All this and lots more. <br>Reviews from the<br>App Store<br>Previous<br>Next<br> All inside the Zip app.<br>Download on the App Store<br>Get it on Google Play<br>Best buy now pay later option <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>available.<br>I wish I could give them more than 5 stars! <br>Zip is very helpful when you don't have <br>I’ve used all the other platforms, and I think <br>I feel I have my own independence being <br>Literally - In Store or Online - Virtually on <br>If find Zip really easy to use and always <br>Convenient and helpful<br>Phone Number<br>Text me a link<br>Out of all the buy now pay later companies, <br>Lucky to be born in the world of Zip, helped <br>money in your savings or credit card. <br>none is close to Zip. The flexibility and <br>able to have a system like Zip. I can <br>ANY (well almost) kind of purchase.<br>there when I need them. Hassle free and <br>ZipPay has the most option available for <br>me get through many difficult times. Thank <br>Instalment payments are very flexible.<br>unlimited nature of transactions from BPay <br>purchase items I love for myself and for <br>Verified<br>paying back is easy too.<br>When purchased big ticket item it’s so <br>using in store and online having the create <br>you so much Zip Pay. I love you!<br>Verified<br>to Credit Card to in app purchasing. None of <br>others too. To be able to pay back what I <br>Verified<br>convenient to pay by ZIPPay because can <br>temporary card feature and apple wallet <br>Verified<br>the others come near to it.<br>can afford without breaking the budget.<br>be paid back by instalment without interest<br>tap and pay features.<br>Verified<br>Verified<br>Verified<br>Verified<br>Loved by millions of shoppers globally and counting<br>Reviews from the<br>App Store<br>Previous<br>Next<br>Frequently Asked <br>Questions<br>Best buy now pay later <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>What's the difference <br>Convenient and helpful<br>option available.<br>I wish I could give them more than <br>Zip is very helpful when you don't <br>I’ve used all the other platforms, <br>I feel I have my own independence <br>Literally - In Store or Online - <br>If find Zip really easy to use and <br>between Zip Pay and Zip <br>When purchased big ticket item it’s <br>Out of all the buy now pay later <br>5 stars! Lucky to be born in the <br>have money in your savings or <br>and I think none is close to Zip. The <br>being able to have a system like <br>Virtually on ANY (well almost) kind <br>always there when I need them. <br>Money?<br>so convenient to pay by ZIPPay <br>companies, ZipPay has the most <br>world of Zip, helped me get through <br>credit card. Instalment payments <br>flexibility and unlimited nature of <br>Zip. I can purchase items I love for <br>of purchase.<br>Hassle free and paying back is easy <br>because can be paid back by <br>option available for using in store <br>many difficult times. Thank you so <br>are very flexible.<br>transactions from BPay to Credit <br>myself and for others too. To be <br>Verified<br>too.<br>Zip Pay is an interest-free buy-now-pay-later service with a<br>instalment without interest<br>and online having the create <br>much Zip Pay. I love you!<br>Verified<br>Card to in app purchasing. None of <br>able to pay back what I can afford <br>Verified<br>Verified<br>temporary card feature and apple <br>Verified<br>the others come near to it.<br>without breaking the budget.<br>credit limit of up to $10001.<br>wallet tap and pay features.<br>Verified<br>Verified<br>Repayments are based on a <br>Verified<br>minimum monthly payment from <br>as little as $10 per week. A $9.95<br> monthly account fee applies, we <br>will waive the fee if you pay your <br>Frequently Asked Questions<br>statement closing balance in full, <br>by the due date. With Zip Pay, <br>you can shop everywhere you <br>see the Contactless Symbol <br>What's the difference between Zip Pay and Zip Money?<br>when you add your Zip card to <br>your Apple or Google wallet**.<br>Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10001.<br>Zip Money is a line of credit with credit limits between $1,000 and<br>Repayments are based on a minimum monthly payment from as little as $10 per week. A <br>$9.95 monthly account fee applies, we will waive the fee if you pay your statement closing<br>$5.000 for regular accounts and<br>balance in full, by the due date. With Zip Pay, you can shop everywhere you see the <br>up to $50,000 for specific <br>Contactless Symbol when you add your Zip card to your Apple or Google wallet**.<br>merchants. Zip Money offers <br>Zip Money is a line of credit with credit limits between $1,000 and $5.000 for regular<br>customers a guaranteed <br>accounts and up to $50,000 for specific merchants. Zip Money offers customers a <br>interest-free period of 3 months <br>guaranteed interest-free period of 3 months across all products and up to 36 months with <br>across all products and up to 36 <br>some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit<br>months with some retailers2. Zip<br>limits. A $9.95 monthly account fee applies.<br>Money accounts may incur a <br>one-off establishment fee for <br>Both products also feature our Shop Everywhere card, which you can use at any online <br>certain credit limits. A $9.95<br>retailer that accepts Visa**.<br> monthly account fee applies.<br>Both products also feature our <br>Shop Everywhere card, which <br>Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?<br>you can use at any online <br>retailer that accepts Visa**.<br>How do repayments work?<br>Is Zip a buy now, pay later <br>like Afterpay, Klarna, <br>Humm and Latitude?<br>What are the fees?<br>How do repayments <br>work?<br>Can't find what you're looking for?<br>Get all the support you need, when you need it by exploring the<br>help<br>What are the fees?<br>centre<br>or by contacting our team at Zip HQ in Sydney.<br>Can't find what you're looking for?<br>References<br>Get all the support you need, when <br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the <br>you need it by exploring the<br>help<br>Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a <br>centre<br>or by contacting our team at<br>trademark owned by and used with permission of EMVCo, LLC.<br>Zip HQ in Sydney.<br>1 Zip Pay: 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<br>each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs <br>References<br>apply.<br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in<br>2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible<br>the U.S. and other countries and regions. <br>purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 <br>Google, Google Pay, Google Play and the <br>applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are <br>Google Play logo are trademarks of Google <br>required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will <br>LLC. VISA is a trademark owned by Visa <br>generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable <br>International Service Association and used <br>standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on <br>under license. The Contactless Symbol is a <br>application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).<br>trademark owned by and used with <br>* Rewards are redeemable when you reach the Rewards Goal. See<br>Promotion and Reward Program T&Cs<br> for more details.<br>permission of EMVCo, LLC.<br>** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store.<br>Card T&Cs apply<br>. Single-use card available <br>1 Zip Pay: Minimum monthly repayments are<br>with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>required. A monthly account fee of $9.95 <br>applies and is subject to change. Pay your <br>3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading,<br>closing balance in full by the due date each <br>personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You <br>month and we'll waive the fee. Available to <br>at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518<br>approved applicants only and subject to <br>completion of satisfactory credit check. <br>Other charges may be payable. T&Cs apply.<br>2 Zip Money Instalments: Available to<br>For Customers<br>For Businesses<br>Support<br>Company<br>approved applicants only and subject to completion of satisfactory credit check<br>upon application. Instalment plan splits <br>Account<br>Shop<br>Features<br>Merchant sign up<br>Help & FAQs<br>About Zip<br>eligible purchases of $300 and above into <br>Sign up<br>Shop with Zip<br>How Zip works<br>Merchant log in<br>Buyers protection<br>Careers<br>equal repayments within the interest free <br>Offer Zip in your store<br>Disputes & complaints<br>Investors<br>period. Eligible purchase excludes Zip bills <br>Log in<br>Gift cards<br>Zip Rewards<br>and gift cards. A monthly account fee of <br>Zip Pay<br>Cashback offers<br>Tap to pay with Zip<br>Integration guides<br>Financial wellbeing<br>Zip Pay T&Cs<br>$9.95 applies and a one off establishment <br>Zip Money<br>See all stores<br>Single-use card<br>Zip API<br>Financial hardship<br>BNPL Code of Practice<br>fee may apply for new customers. <br>Family violence<br>Additional charges may apply, see T&Cs. <br>Zip Money instalments<br>Under the contract, minimum monthly <br>Product Protection<br>Vulnerability Disclosure <br>repayments are required. If you turn off <br>Program<br>instalments, all future transactions will be <br>Pay bills with Zip<br>reverted to the minimum monthly <br>repayment. Paying only the minimum <br>monthly repayment amount will generally <br>not repay out the purchase within the <br>Acknowledgement of country<br>Download the app<br>interest free period. Any balance <br>Zip acknowledges the Traditional Owners and Custodians of Country throughout <br>Download on the App Store<br>Get it on Google Play<br>outstanding at the expiry of the interest <br>Australia. We pay our respects to all First Nations people and acknowledge Elders <br>free period will be charged at the applicable <br>past and present.<br>standard variable interest rate of 25.9% per <br>annum, as at 1 June 2023. Interest, fees <br>and charges are subject to change. Terms & <br>Conditions apply and are available on <br>application. See your contract for further <br>Copyright © Zip Co Limited 2024. This site is protected by reCAPTCHA Enterprise and the Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>details. Credit provided by ZipMoney <br>instagram<br>facebook<br>linkedIn<br>Payments Pty Ltd (ABN 58 164 440 993, <br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>Australian Credit Licence Number 441878).<br>* Rewards are redeemable when you reach<br>the Rewards Goal. See <br>Promotion and<br>Reward Program T&Cs<br> for more details.<br>** Tap to pay in store available with Zip Pay<br>only. Use the Card everywhere that Visa <br>contactless payments are accepted in <br>store. <br>Card T&Cs apply<br>. Single-use card <br>available with Zip Pay and Zip Money only. <br>Use the Card everywhere that Visa <br>contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>3 Payments may take up to 5 business days<br>to reach your Biller. Certain Biller exclusions <br>apply including but not limited to credit <br>institutions, gambling, share trading, <br>personal loans and DEFT rent. A $2.50 <br>processing fee may be payable for each bill <br>processed using Zip Money. The amount of <br>the fee will be advised and authorised by <br>You at the time of any relevant bill payment. <br>Exceptions may apply. ® Registered to BPAY <br>Pty Ltd ABN 69 079 137 518<br>For Customers<br>For Businesses<br>Support<br>Company<br>Acknowledgement of country<br>Zip acknowledges the Traditional Owners <br>and Custodians of Country throughout <br>Australia. We pay our respects to all First <br>Nations people and acknowledge Elders <br>past and present.<br>Download the app<br>Download on the App Store<br>Get it on Google Play<br>Copyright © Zip Co Limited 2024. This site is<br>protected by reCAPTCHA Enterprise and the <br>Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>instagram<br>facebook<br>linkedIn</span>

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<meta charset='utf-8'><meta charset="utf-8"><span data-metadata=""></span><span data-buffer=""></span><span style="white-space:pre-wrap;">https://zip.co/au<br>https://zip.co/au<br>Desktop - Light Mode - 1440x900<br>Mobile - Light Mode - 375x667<br>Home<br>Change region from Australia<br>Home<br>Open mobile navigation<br>How Zip Works<br>Shop<br>Manage<br>Help<br>For Businesses<br>Log In<br>Apply now<br>Icons<br>Icons<br>Spend your day with Zip<br>Spend your day with Zip<br>Spend your<br>Spend your<br>day with Zip<br>Buy now. Pay later. <br>day with Zip<br>Just about everywhere.<br>Sign up now<br>Buy now. Pay later. Just about everywhere.<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Sign up now<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Zip makes life more <br>affordable by spreading <br>the costs of your <br>purchases over time.<br>You'll pay nothing upfront. <br>And repay weekly, <br>fortnightly or monthly on <br>a schedule that suits you.<br>So you can spend with <br>confidence, knowing <br>you're in control of <br>tomorrow.<br>Zip Accounts<br>Zip makes life more affordable by spreading the costs of <br>Everyday account, <br>your purchases over time.<br>interest free.<br>Enjoy $350–$1,000 to spend <br>You'll pay nothing upfront. And repay weekly, fortnightly <br>instantly once approved.1<br>or monthly on a schedule that suits you.<br>Sign up now<br>So you can spend with confidence, knowing you're in <br>control of tomorrow.<br>Bigger purchases <br>account.<br>Get a minimum of 3 months <br>Zip Accounts<br>interest free on every purchase, <br>always.2<br>Everyday account, <br>Bigger purchases <br>Sign up now<br>interest free.<br>account.<br>Enjoy $350–$1,000 to spend instantly <br>Get a minimum of 3 months interest <br>Compare accounts<br>once approved.1<br>free on every purchase, always.2<br>Sign up now<br>Sign up now<br>For your everyday,<br>Compare Zip Pay and Zip Money accounts<br> there's Zip Pay<br>Apply for up to $1,000 to<br>spend, interest free always.<br>For your everyday,<br> there's Zip Pay<br>Zip Pay helps you navigate day-to-day <br>Apply for up to $1,000 to spend, interest free always.<br>life with ease by spreading the cost of <br>your purchases over time. You'll pay <br>nothing upfront, and repay weekly, <br>Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your <br>fortnightly or monthly on a schedule <br>purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or <br>that suits you, with no interest ever. <br>monthly on a schedule that suits you, with no interest ever. With Zip, you're more in <br>With Zip, you're more in control of <br>control of whatever comes your way.<br>whatever comes your way.<br>Sign up to Zip Pay<br>Explore Zip Pay<br>Sign up to Zip Pay<br>Explore Zip Pay<br>For your not-so-<br>everyday, there's<br> Zip Money<br>Apply for <br>up to $5.000<br> credit <br>to help you <br>pay for your next <br>step in life<br>, every step of the <br>way.<br>For your not-so-<br>For the expected and unexpected. For <br>everyday, there's Zip<br>renovations and celebrations. With a <br>minimum 3 months interest free on <br>every purchase and up to 5 years <br>Money<br>interest free at select Zip merchants, <br>Zip Money is there for you when you <br>need it the most.<br>Apply for <br>up to $5.000<br> credit to help you <br>pay for your next step <br>in life<br>, every step of the way.<br>Sign up to Zip Money<br>For the expected and unexpected. For renovations and celebrations. With a minimum <br>Explore Zip Money<br>3 months interest free on every purchase and up to 5 years interest free at select Zip <br>merchants, Zip Money is there for you when you need it the most.<br>Sign up to Zip Money<br>Explore Zip Money<br>Repayment <br>flexibility<br>We're not like the others. We'll bundle <br>your purchases and let you align your <br>repayments to suit your pay cycle.<br>Repay on a convenient weekly, <br>fortnightly or monthly schedule.<br>Problem with a <br>purchase? No<br>problem<br>Shop safely with Zip and if something <br>goes wrong with your purchase, <br>Repayment <br>doesn't arrive, or is significantly not as <br>described–don't stress. We're here to <br>flexibility<br>support you throughout the refund <br>process with our Buyer Protection <br>We're not like the others. We'll bundle your <br>Policy. Eligibility and exclusions apply.<br>purchases and let you align your repayments to <br>View Buyer Protection details.<br>suit your pay cycle.<br>Repay on a convenient weekly, fortnightly or <br>monthly schedule.<br>Earn instant <br>cashback<br>Problem with a <br>Not only are we flexible, we're <br>purchase?<br>rewarding too. Earn instant <br>cashback when shopping at our <br> No problem<br>rewards partners.<br>Download the Zip app to browse <br>Shop safely with Zip and if something goes wrong with your <br>and activate our range of <br>purchase, doesn't arrive, or is significantly not as described–don't <br>offers.*<br>stress. We're here to support you throughout the refund process <br>with our Buyer Protection Policy. Eligibility and exclusions apply.<br>View<br>Shop cashback offers<br>Buyer Protection details.<br>Some of our merchants<br>Earn instant <br>cashback<br>Not only are we flexible, we're rewarding too. <br>All your purchases. <br>Earn instant cashback when shopping at our <br>rewards partners.<br> All the ways to pay. <br>Download the Zip app to browse and activate <br> All spread over <br>our range of offers.*<br>time.<br>Shop cashback offers<br>Tap to Pay with Zip Pay<br>Add Zip Pay to your phone's <br>digital wallet to use everywhere <br>Visa is accepted.**<br>Some of our merchants<br>Choose Zip at checkout<br>Speed through checkout at over <br>52.000 Zip merchants.<br>All your purchases. <br>Pay BPAY® Billers<br> All the ways to pay. <br>Pay your bills and repay us on a <br>schedule that suits you, <br> All spread over time.<br>spreading the cost over time.3<br>Tap to Pay with Zip Pay<br>Choose Zip at checkout<br>Use a single-use card<br>everywhere Visa is accepted.**<br>Add Zip Pay to your phone's digital wallet to use <br>Speed through checkout at over 52.000 Zip merchants.<br>Gone are the days of finding <br>your wallet. Create virtual <br>payment cards for one time use <br>and never share your card <br>details again. The safe, secure <br>and private way to pay online.**<br>payment cards for one time use and never share your <br>Gone are the days of finding your wallet. Create virtual <br>Use a single-use card<br>pay online.**<br>card details again. The safe, secure and private way to <br>Pay your bills and repay us on a schedule that suits you, <br>Pay BPAY<br>® Billers<br>All this and lots <br>spreading the cost over time.3<br>more. <br> All inside the Zip <br>app.<br>Phone Number<br>Text me a link<br>Download on the App Store<br>Get it on Google Play<br>Loved by millions of <br>shoppers globally and <br>counting<br>All this and lots more. <br>Reviews from the<br>App Store<br>Previous<br>Next<br> All inside the Zip app.<br>Download on the App Store<br>Get it on Google Play<br>Best buy now pay later option <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>available.<br>I wish I could give them more than 5 stars! <br>Zip is very helpful when you don't have <br>I’ve used all the other platforms, and I think <br>I feel I have my own independence being <br>Literally - In Store or Online - Virtually on <br>If find Zip really easy to use and always <br>Convenient and helpful<br>Phone Number<br>Text me a link<br>Out of all the buy now pay later companies, <br>Lucky to be born in the world of Zip, helped <br>money in your savings or credit card. <br>none is close to Zip. The flexibility and <br>able to have a system like Zip. I can <br>ANY (well almost) kind of purchase.<br>there when I need them. Hassle free and <br>ZipPay has the most option available for <br>me get through many difficult times. Thank <br>Instalment payments are very flexible.<br>unlimited nature of transactions from BPay <br>purchase items I love for myself and for <br>Verified<br>paying back is easy too.<br>When purchased big ticket item it’s so <br>using in store and online having the create <br>you so much Zip Pay. I love you!<br>Verified<br>to Credit Card to in app purchasing. None of <br>others too. To be able to pay back what I <br>Verified<br>convenient to pay by ZIPPay because can <br>temporary card feature and apple wallet <br>Verified<br>the others come near to it.<br>can afford without breaking the budget.<br>be paid back by instalment without interest<br>tap and pay features.<br>Verified<br>Verified<br>Verified<br>Verified<br>Loved by millions of shoppers globally and counting<br>Reviews from the<br>App Store<br>Previous<br>Next<br>Frequently Asked <br>Questions<br>Best buy now pay later <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>What's the difference <br>Convenient and helpful<br>option available.<br>I wish I could give them more than <br>Zip is very helpful when you don't <br>I’ve used all the other platforms, <br>I feel I have my own independence <br>Literally - In Store or Online - <br>If find Zip really easy to use and <br>between Zip Pay and Zip <br>When purchased big ticket item it’s <br>Out of all the buy now pay later <br>5 stars! Lucky to be born in the <br>have money in your savings or <br>and I think none is close to Zip. The <br>being able to have a system like <br>Virtually on ANY (well almost) kind <br>always there when I need them. <br>Money?<br>so convenient to pay by ZIPPay <br>companies, ZipPay has the most <br>world of Zip, helped me get through <br>credit card. Instalment payments <br>flexibility and unlimited nature of <br>Zip. I can purchase items I love for <br>of purchase.<br>Hassle free and paying back is easy <br>because can be paid back by <br>option available for using in store <br>many difficult times. Thank you so <br>are very flexible.<br>transactions from BPay to Credit <br>myself and for others too. To be <br>Verified<br>too.<br>Zip Pay is an interest-free buy-now-pay-later service with a<br>instalment without interest<br>and online having the create <br>much Zip Pay. I love you!<br>Verified<br>Card to in app purchasing. None of <br>able to pay back what I can afford <br>Verified<br>Verified<br>temporary card feature and apple <br>Verified<br>the others come near to it.<br>without breaking the budget.<br>credit limit of up to $10001.<br>wallet tap and pay features.<br>Verified<br>Verified<br>Repayments are based on a <br>Verified<br>minimum monthly payment from <br>as little as $10 per week. A $9.95<br> monthly account fee applies, we <br>will waive the fee if you pay your <br>Frequently Asked Questions<br>statement closing balance in full, <br>by the due date. With Zip Pay, <br>you can shop everywhere you <br>see the Contactless Symbol <br>What's the difference between Zip Pay and Zip Money?<br>when you add your Zip card to <br>your Apple or Google wallet**.<br>Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10001.<br>Zip Money is a line of credit with credit limits between $1,000 and<br>Repayments are based on a minimum monthly payment from as little as $10 per week. A <br>$9.95 monthly account fee applies, we will waive the fee if you pay your statement closing<br>$5.000 for regular accounts and<br>balance in full, by the due date. With Zip Pay, you can shop everywhere you see the <br>up to $50,000 for specific <br>Contactless Symbol when you add your Zip card to your Apple or Google wallet**.<br>merchants. Zip Money offers <br>Zip Money is a line of credit with credit limits between $1,000 and $5.000 for regular<br>customers a guaranteed <br>accounts and up to $50,000 for specific merchants. Zip Money offers customers a <br>interest-free period of 3 months <br>guaranteed interest-free period of 3 months across all products and up to 36 months with <br>across all products and up to 36 <br>some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit<br>months with some retailers2. Zip<br>limits. A $9.95 monthly account fee applies.<br>Money accounts may incur a <br>one-off establishment fee for <br>Both products also feature our Shop Everywhere card, which you can use at any online <br>certain credit limits. A $9.95<br>retailer that accepts Visa**.<br> monthly account fee applies.<br>Both products also feature our <br>Shop Everywhere card, which <br>Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?<br>you can use at any online <br>retailer that accepts Visa**.<br>How do repayments work?<br>Is Zip a buy now, pay later <br>like Afterpay, Klarna, <br>Humm and Latitude?<br>What are the fees?<br>How do repayments <br>work?<br>Can't find what you're looking for?<br>Get all the support you need, when you need it by exploring the<br>help<br>What are the fees?<br>centre<br>or by contacting our team at Zip HQ in Sydney.<br>Can't find what you're looking for?<br>References<br>Get all the support you need, when <br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the <br>you need it by exploring the<br>help<br>Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a <br>centre<br>or by contacting our team at<br>trademark owned by and used with permission of EMVCo, LLC.<br>Zip HQ in Sydney.<br>1 Zip Pay: 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<br>each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs <br>References<br>apply.<br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in<br>2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible<br>the U.S. and other countries and regions. <br>purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 <br>Google, Google Pay, Google Play and the <br>applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are <br>Google Play logo are trademarks of Google <br>required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will <br>LLC. VISA is a trademark owned by Visa <br>generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable <br>International Service Association and used <br>standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on <br>under license. The Contactless Symbol is a <br>application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).<br>trademark owned by and used with <br>* Rewards are redeemable when you reach the Rewards Goal. See<br>Promotion and Reward Program T&Cs<br> for more details.<br>permission of EMVCo, LLC.<br>** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store.<br>Card T&Cs apply<br>. Single-use card available <br>1 Zip Pay: Minimum monthly repayments are<br>with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>required. A monthly account fee of $9.95 <br>applies and is subject to change. Pay your <br>3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading,<br>closing balance in full by the due date each <br>personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You <br>month and we'll waive the fee. Available to <br>at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518<br>approved applicants only and subject to <br>completion of satisfactory credit check. <br>Other charges may be payable. T&Cs apply.<br>2 Zip Money Instalments: Available to<br>For Customers<br>For Businesses<br>Support<br>Company<br>approved applicants only and subject to completion of satisfactory credit check<br>upon application. Instalment plan splits <br>Account<br>Shop<br>Features<br>Merchant sign up<br>Help & FAQs<br>About Zip<br>eligible purchases of $300 and above into <br>Sign up<br>Shop with Zip<br>How Zip works<br>Merchant log in<br>Buyers protection<br>Careers<br>equal repayments within the interest free <br>Offer Zip in your store<br>Disputes & complaints<br>Investors<br>period. Eligible purchase excludes Zip bills <br>Log in<br>Gift cards<br>Zip Rewards<br>and gift cards. A monthly account fee of <br>Zip Pay<br>Cashback offers<br>Tap to pay with Zip<br>Integration guides<br>Financial wellbeing<br>Zip Pay T&Cs<br>$9.95 applies and a one off establishment <br>Zip Money<br>See all stores<br>Single-use card<br>Zip API<br>Financial hardship<br>BNPL Code of Practice<br>fee may apply for new customers. <br>Family violence<br>Additional charges may apply, see T&Cs. <br>Zip Money instalments<br>Under the contract, minimum monthly <br>Product Protection<br>Vulnerability Disclosure <br>repayments are required. If you turn off <br>Program<br>instalments, all future transactions will be <br>Pay bills with Zip<br>reverted to the minimum monthly <br>repayment. Paying only the minimum <br>monthly repayment amount will generally <br>not repay out the purchase within the <br>Acknowledgement of country<br>Download the app<br>interest free period. Any balance <br>Zip acknowledges the Traditional Owners and Custodians of Country throughout <br>Download on the App Store<br>Get it on Google Play<br>outstanding at the expiry of the interest <br>Australia. We pay our respects to all First Nations people and acknowledge Elders <br>free period will be charged at the applicable <br>past and present.<br>standard variable interest rate of 25.9% per <br>annum, as at 1 June 2023. Interest, fees <br>and charges are subject to change. Terms & <br>Conditions apply and are available on <br>application. See your contract for further <br>Copyright © Zip Co Limited 2024. This site is protected by reCAPTCHA Enterprise and the Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>details. Credit provided by ZipMoney <br>instagram<br>facebook<br>linkedIn<br>Payments Pty Ltd (ABN 58 164 440 993, <br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>Australian Credit Licence Number 441878).<br>* Rewards are redeemable when you reach<br>the Rewards Goal. See <br>Promotion and<br>Reward Program T&Cs<br> for more details.<br>** Tap to pay in store available with Zip Pay<br>only. Use the Card everywhere that Visa <br>contactless payments are accepted in <br>store. <br>Card T&Cs apply<br>. Single-use card <br>available with Zip Pay and Zip Money only. <br>Use the Card everywhere that Visa <br>contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>3 Payments may take up to 5 business days<br>to reach your Biller. Certain Biller exclusions <br>apply including but not limited to credit <br>institutions, gambling, share trading, <br>personal loans and DEFT rent. A $2.50 <br>processing fee may be payable for each bill <br>processed using Zip Money. The amount of <br>the fee will be advised and authorised by <br>You at the time of any relevant bill payment. <br>Exceptions may apply. ® Registered to BPAY <br>Pty Ltd ABN 69 079 137 518<br>For Customers<br>For Businesses<br>Support<br>Company<br>Acknowledgement of country<br>Zip acknowledges the Traditional Owners <br>and Custodians of Country throughout <br>Australia. We pay our respects to all First <br>Nations people and acknowledge Elders <br>past and present.<br>Download the app<br>Download on the App Store<br>Get it on Google Play<br>Copyright © Zip Co Limited 2024. This site is<br>protected by reCAPTCHA Enterprise and the <br>Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>instagram<br>facebook<br>linkedIn</span>

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<meta charset='utf-8'><meta charset="utf-8"><span data-metadata=""></span><span data-buffer=""></span><span style="white-space:pre-wrap;">https://zip.co/au<br>https://zip.co/au<br>Desktop - Light Mode - 1440x900<br>Mobile - Light Mode - 375x667<br>Home<br>Change region from Australia<br>Home<br>Open mobile navigation<br>How Zip Works<br>Shop<br>Manage<br>Help<br>For Businesses<br>Log In<br>Apply now<br>Icons<br>Icons<br>Spend your day with Zip<br>Spend your day with Zip<br>Spend your<br>Spend your<br>day with Zip<br>Buy now. Pay later. <br>day with Zip<br>Just about everywhere.<br>Sign up now<br>Buy now. Pay later. Just about everywhere.<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Sign up now<br>4.9<br>App store rating<br>Millions of shoppers globally and counting<br>Zip makes life more <br>affordable by spreading <br>the costs of your <br>purchases over time.<br>You'll pay nothing upfront. <br>And repay weekly, <br>fortnightly or monthly on <br>a schedule that suits you.<br>So you can spend with <br>confidence, knowing <br>you're in control of <br>tomorrow.<br>Zip Accounts<br>Zip makes life more affordable by spreading the costs of <br>Everyday account, <br>your purchases over time.<br>interest free.<br>Enjoy $350–$1,000 to spend <br>You'll pay nothing upfront. And repay weekly, fortnightly <br>instantly once approved.1<br>or monthly on a schedule that suits you.<br>Sign up now<br>So you can spend with confidence, knowing you're in <br>control of tomorrow.<br>Bigger purchases <br>account.<br>Get a minimum of 3 months <br>Zip Accounts<br>interest free on every purchase, <br>always.2<br>Everyday account, <br>Bigger purchases <br>Sign up now<br>interest free.<br>account.<br>Enjoy $350–$1,000 to spend instantly <br>Get a minimum of 3 months interest <br>Compare accounts<br>once approved.1<br>free on every purchase, always.2<br>Sign up now<br>Sign up now<br>For your everyday,<br>Compare Zip Pay and Zip Money accounts<br> there's Zip Pay<br>Apply for up to $1,000 to<br>spend, interest free always.<br>For your everyday,<br> there's Zip Pay<br>Zip Pay helps you navigate day-to-day <br>Apply for up to $1,000 to spend, interest free always.<br>life with ease by spreading the cost of <br>your purchases over time. You'll pay <br>nothing upfront, and repay weekly, <br>Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your <br>fortnightly or monthly on a schedule <br>purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or <br>that suits you, with no interest ever. <br>monthly on a schedule that suits you, with no interest ever. With Zip, you're more in <br>With Zip, you're more in control of <br>control of whatever comes your way.<br>whatever comes your way.<br>Sign up to Zip Pay<br>Explore Zip Pay<br>Sign up to Zip Pay<br>Explore Zip Pay<br>For your not-so-<br>everyday, there's<br> Zip Money<br>Apply for <br>up to $5.000<br> credit <br>to help you <br>pay for your next <br>step in life<br>, every step of the <br>way.<br>For your not-so-<br>For the expected and unexpected. For <br>everyday, there's Zip<br>renovations and celebrations. With a <br>minimum 3 months interest free on <br>every purchase and up to 5 years <br>Money<br>interest free at select Zip merchants, <br>Zip Money is there for you when you <br>need it the most.<br>Apply for <br>up to $5.000<br> credit to help you <br>pay for your next step <br>in life<br>, every step of the way.<br>Sign up to Zip Money<br>For the expected and unexpected. For renovations and celebrations. With a minimum <br>Explore Zip Money<br>3 months interest free on every purchase and up to 5 years interest free at select Zip <br>merchants, Zip Money is there for you when you need it the most.<br>Sign up to Zip Money<br>Explore Zip Money<br>Repayment <br>flexibility<br>We're not like the others. We'll bundle <br>your purchases and let you align your <br>repayments to suit your pay cycle.<br>Repay on a convenient weekly, <br>fortnightly or monthly schedule.<br>Problem with a <br>purchase? No<br>problem<br>Shop safely with Zip and if something <br>goes wrong with your purchase, <br>Repayment <br>doesn't arrive, or is significantly not as <br>described–don't stress. We're here to <br>flexibility<br>support you throughout the refund <br>process with our Buyer Protection <br>We're not like the others. We'll bundle your <br>Policy. Eligibility and exclusions apply.<br>purchases and let you align your repayments to <br>View Buyer Protection details.<br>suit your pay cycle.<br>Repay on a convenient weekly, fortnightly or <br>monthly schedule.<br>Earn instant <br>cashback<br>Problem with a <br>Not only are we flexible, we're <br>purchase?<br>rewarding too. Earn instant <br>cashback when shopping at our <br> No problem<br>rewards partners.<br>Download the Zip app to browse <br>Shop safely with Zip and if something goes wrong with your <br>and activate our range of <br>purchase, doesn't arrive, or is significantly not as described–don't <br>offers.*<br>stress. We're here to support you throughout the refund process <br>with our Buyer Protection Policy. Eligibility and exclusions apply.<br>View<br>Shop cashback offers<br>Buyer Protection details.<br>Some of our merchants<br>Earn instant <br>cashback<br>Not only are we flexible, we're rewarding too. <br>All your purchases. <br>Earn instant cashback when shopping at our <br>rewards partners.<br> All the ways to pay. <br>Download the Zip app to browse and activate <br> All spread over <br>our range of offers.*<br>time.<br>Shop cashback offers<br>Tap to Pay with Zip Pay<br>Add Zip Pay to your phone's <br>digital wallet to use everywhere <br>Visa is accepted.**<br>Some of our merchants<br>Choose Zip at checkout<br>Speed through checkout at over <br>52.000 Zip merchants.<br>All your purchases. <br>Pay BPAY® Billers<br> All the ways to pay. <br>Pay your bills and repay us on a <br>schedule that suits you, <br> All spread over time.<br>spreading the cost over time.3<br>Tap to Pay with Zip Pay<br>Choose Zip at checkout<br>Use a single-use card<br>everywhere Visa is accepted.**<br>Add Zip Pay to your phone's digital wallet to use <br>Speed through checkout at over 52.000 Zip merchants.<br>Gone are the days of finding <br>your wallet. Create virtual <br>payment cards for one time use <br>and never share your card <br>details again. The safe, secure <br>and private way to pay online.**<br>payment cards for one time use and never share your <br>Gone are the days of finding your wallet. Create virtual <br>Use a single-use card<br>pay online.**<br>card details again. The safe, secure and private way to <br>Pay your bills and repay us on a schedule that suits you, <br>Pay BPAY<br>® Billers<br>All this and lots <br>spreading the cost over time.3<br>more. <br> All inside the Zip <br>app.<br>Phone Number<br>Text me a link<br>Download on the App Store<br>Get it on Google Play<br>Loved by millions of <br>shoppers globally and <br>counting<br>All this and lots more. <br>Reviews from the<br>App Store<br>Previous<br>Next<br> All inside the Zip app.<br>Download on the App Store<br>Get it on Google Play<br>Best buy now pay later option <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>available.<br>I wish I could give them more than 5 stars! <br>Zip is very helpful when you don't have <br>I’ve used all the other platforms, and I think <br>I feel I have my own independence being <br>Literally - In Store or Online - Virtually on <br>If find Zip really easy to use and always <br>Convenient and helpful<br>Phone Number<br>Text me a link<br>Out of all the buy now pay later companies, <br>Lucky to be born in the world of Zip, helped <br>money in your savings or credit card. <br>none is close to Zip. The flexibility and <br>able to have a system like Zip. I can <br>ANY (well almost) kind of purchase.<br>there when I need them. Hassle free and <br>ZipPay has the most option available for <br>me get through many difficult times. Thank <br>Instalment payments are very flexible.<br>unlimited nature of transactions from BPay <br>purchase items I love for myself and for <br>Verified<br>paying back is easy too.<br>When purchased big ticket item it’s so <br>using in store and online having the create <br>you so much Zip Pay. I love you!<br>Verified<br>to Credit Card to in app purchasing. None of <br>others too. To be able to pay back what I <br>Verified<br>convenient to pay by ZIPPay because can <br>temporary card feature and apple wallet <br>Verified<br>the others come near to it.<br>can afford without breaking the budget.<br>be paid back by instalment without interest<br>tap and pay features.<br>Verified<br>Verified<br>Verified<br>Verified<br>Loved by millions of shoppers globally and counting<br>Reviews from the<br>App Store<br>Previous<br>Next<br>Frequently Asked <br>Questions<br>Best buy now pay later <br>In Love with Zip Pay.<br>Very helpful in need!<br>Zip is the best among them<br>Just love knowing I have Zip<br>I CAN USE THIS ANYWHERE!<br>Always there<br>What's the difference <br>Convenient and helpful<br>option available.<br>I wish I could give them more than <br>Zip is very helpful when you don't <br>I’ve used all the other platforms, <br>I feel I have my own independence <br>Literally - In Store or Online - <br>If find Zip really easy to use and <br>between Zip Pay and Zip <br>When purchased big ticket item it’s <br>Out of all the buy now pay later <br>5 stars! Lucky to be born in the <br>have money in your savings or <br>and I think none is close to Zip. The <br>being able to have a system like <br>Virtually on ANY (well almost) kind <br>always there when I need them. <br>Money?<br>so convenient to pay by ZIPPay <br>companies, ZipPay has the most <br>world of Zip, helped me get through <br>credit card. Instalment payments <br>flexibility and unlimited nature of <br>Zip. I can purchase items I love for <br>of purchase.<br>Hassle free and paying back is easy <br>because can be paid back by <br>option available for using in store <br>many difficult times. Thank you so <br>are very flexible.<br>transactions from BPay to Credit <br>myself and for others too. To be <br>Verified<br>too.<br>Zip Pay is an interest-free buy-now-pay-later service with a<br>instalment without interest<br>and online having the create <br>much Zip Pay. I love you!<br>Verified<br>Card to in app purchasing. None of <br>able to pay back what I can afford <br>Verified<br>Verified<br>temporary card feature and apple <br>Verified<br>the others come near to it.<br>without breaking the budget.<br>credit limit of up to $10001.<br>wallet tap and pay features.<br>Verified<br>Verified<br>Repayments are based on a <br>Verified<br>minimum monthly payment from <br>as little as $10 per week. A $9.95<br> monthly account fee applies, we <br>will waive the fee if you pay your <br>Frequently Asked Questions<br>statement closing balance in full, <br>by the due date. With Zip Pay, <br>you can shop everywhere you <br>see the Contactless Symbol <br>What's the difference between Zip Pay and Zip Money?<br>when you add your Zip card to <br>your Apple or Google wallet**.<br>Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10001.<br>Zip Money is a line of credit with credit limits between $1,000 and<br>Repayments are based on a minimum monthly payment from as little as $10 per week. A <br>$9.95 monthly account fee applies, we will waive the fee if you pay your statement closing<br>$5.000 for regular accounts and<br>balance in full, by the due date. With Zip Pay, you can shop everywhere you see the <br>up to $50,000 for specific <br>Contactless Symbol when you add your Zip card to your Apple or Google wallet**.<br>merchants. Zip Money offers <br>Zip Money is a line of credit with credit limits between $1,000 and $5.000 for regular<br>customers a guaranteed <br>accounts and up to $50,000 for specific merchants. Zip Money offers customers a <br>interest-free period of 3 months <br>guaranteed interest-free period of 3 months across all products and up to 36 months with <br>across all products and up to 36 <br>some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit<br>months with some retailers2. Zip<br>limits. A $9.95 monthly account fee applies.<br>Money accounts may incur a <br>one-off establishment fee for <br>Both products also feature our Shop Everywhere card, which you can use at any online <br>certain credit limits. A $9.95<br>retailer that accepts Visa**.<br> monthly account fee applies.<br>Both products also feature our <br>Shop Everywhere card, which <br>Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?<br>you can use at any online <br>retailer that accepts Visa**.<br>How do repayments work?<br>Is Zip a buy now, pay later <br>like Afterpay, Klarna, <br>Humm and Latitude?<br>What are the fees?<br>How do repayments <br>work?<br>Can't find what you're looking for?<br>Get all the support you need, when you need it by exploring the<br>help<br>What are the fees?<br>centre<br>or by contacting our team at Zip HQ in Sydney.<br>Can't find what you're looking for?<br>References<br>Get all the support you need, when <br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the <br>you need it by exploring the<br>help<br>Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a <br>centre<br>or by contacting our team at<br>trademark owned by and used with permission of EMVCo, LLC.<br>Zip HQ in Sydney.<br>1 Zip Pay: 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<br>each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs <br>References<br>apply.<br>Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in<br>2 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible<br>the U.S. and other countries and regions. <br>purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 <br>Google, Google Pay, Google Play and the <br>applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are <br>Google Play logo are trademarks of Google <br>required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will <br>LLC. VISA is a trademark owned by Visa <br>generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable <br>International Service Association and used <br>standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on <br>under license. The Contactless Symbol is a <br>application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).<br>trademark owned by and used with <br>* Rewards are redeemable when you reach the Rewards Goal. See<br>Promotion and Reward Program T&Cs<br> for more details.<br>permission of EMVCo, LLC.<br>** Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store.<br>Card T&Cs apply<br>. Single-use card available <br>1 Zip Pay: Minimum monthly repayments are<br>with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>required. A monthly account fee of $9.95 <br>applies and is subject to change. Pay your <br>3 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading,<br>closing balance in full by the due date each <br>personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You <br>month and we'll waive the fee. Available to <br>at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518<br>approved applicants only and subject to <br>completion of satisfactory credit check. <br>Other charges may be payable. T&Cs apply.<br>2 Zip Money Instalments: Available to<br>For Customers<br>For Businesses<br>Support<br>Company<br>approved applicants only and subject to completion of satisfactory credit check<br>upon application. Instalment plan splits <br>Account<br>Shop<br>Features<br>Merchant sign up<br>Help & FAQs<br>About Zip<br>eligible purchases of $300 and above into <br>Sign up<br>Shop with Zip<br>How Zip works<br>Merchant log in<br>Buyers protection<br>Careers<br>equal repayments within the interest free <br>Offer Zip in your store<br>Disputes & complaints<br>Investors<br>period. Eligible purchase excludes Zip bills <br>Log in<br>Gift cards<br>Zip Rewards<br>and gift cards. A monthly account fee of <br>Zip Pay<br>Cashback offers<br>Tap to pay with Zip<br>Integration guides<br>Financial wellbeing<br>Zip Pay T&Cs<br>$9.95 applies and a one off establishment <br>Zip Money<br>See all stores<br>Single-use card<br>Zip API<br>Financial hardship<br>BNPL Code of Practice<br>fee may apply for new customers. <br>Family violence<br>Additional charges may apply, see T&Cs. <br>Zip Money instalments<br>Under the contract, minimum monthly <br>Product Protection<br>Vulnerability Disclosure <br>repayments are required. If you turn off <br>Program<br>instalments, all future transactions will be <br>Pay bills with Zip<br>reverted to the minimum monthly <br>repayment. Paying only the minimum <br>monthly repayment amount will generally <br>not repay out the purchase within the <br>Acknowledgement of country<br>Download the app<br>interest free period. Any balance <br>Zip acknowledges the Traditional Owners and Custodians of Country throughout <br>Download on the App Store<br>Get it on Google Play<br>outstanding at the expiry of the interest <br>Australia. We pay our respects to all First Nations people and acknowledge Elders <br>free period will be charged at the applicable <br>past and present.<br>standard variable interest rate of 25.9% per <br>annum, as at 1 June 2023. Interest, fees <br>and charges are subject to change. Terms & <br>Conditions apply and are available on <br>application. See your contract for further <br>Copyright © Zip Co Limited 2024. This site is protected by reCAPTCHA Enterprise and the Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>details. Credit provided by ZipMoney <br>instagram<br>facebook<br>linkedIn<br>Payments Pty Ltd (ABN 58 164 440 993, <br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>Australian Credit Licence Number 441878).<br>* Rewards are redeemable when you reach<br>the Rewards Goal. See <br>Promotion and<br>Reward Program T&Cs<br> for more details.<br>** Tap to pay in store available with Zip Pay<br>only. Use the Card everywhere that Visa <br>contactless payments are accepted in <br>store. <br>Card T&Cs apply<br>. Single-use card <br>available with Zip Pay and Zip Money only. <br>Use the Card everywhere that Visa <br>contactless payments are accepted online. <br>Card T&Cs apply<br>.<br>3 Payments may take up to 5 business days<br>to reach your Biller. Certain Biller exclusions <br>apply including but not limited to credit <br>institutions, gambling, share trading, <br>personal loans and DEFT rent. A $2.50 <br>processing fee may be payable for each bill <br>processed using Zip Money. The amount of <br>the fee will be advised and authorised by <br>You at the time of any relevant bill payment. <br>Exceptions may apply. ® Registered to BPAY <br>Pty Ltd ABN 69 079 137 518<br>For Customers<br>For Businesses<br>Support<br>Company<br>Acknowledgement of country<br>Zip acknowledges the Traditional Owners <br>and Custodians of Country throughout <br>Australia. We pay our respects to all First <br>Nations people and acknowledge Elders <br>past and present.<br>Download the app<br>Download on the App Store<br>Get it on Google Play<br>Copyright © Zip Co Limited 2024. This site is<br>protected by reCAPTCHA Enterprise and the <br>Google<br>Privacy Policy<br>and<br>Terms of Service<br>apply.<br>Terms of use<br>Privacy<br>Security<br>Legal Hub<br>Target Market Determination<br>instagram<br>facebook<br>linkedIn</span>

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