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Zip Money

What is Zip Money?

Zip Money is a reusable account of up to $5000 that lets you shop now and pay later with no upfront payments . Make as many purchases as you like up to your account limit, then set up flexible repayments to suit your lifestyle. Easy as.

Apply in moments and get approved for up to $5000 on the spot. Once approved, start shopping online and instore, wherever you see Zip at checkout. That’s it – your purchase is all yours, with nothing to pay today. 

Terms & Conditions

*Zip Money: 1000 days interest-free term only available for purchases of $1,000 or more. Available to approved applicants only and subject to completion of satisfactory credit check.
Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the
interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Any balance
outstanding at the expiry of the interest free period will be charged at the standard variable rate, 23.9% per annum as at 1 December 2022. Other
charges may be payable, see T&Cs. Interest, fees and charges subject to change. Terms & Conditions apply and are available on application. See your
contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).

Who can get Zip Money?

To be eligible to apply for a Zip Pay account, you need to:

  • Be an Australian citizen or permanent resident
  • Be at least 18 years of age
  • Have a valid Facebook or PayPal account, in your own name
  • Have a valid debit card, in your own name
  • Have not declared bankruptcy or insolvency

How it works

Sign up

Verify your identity and link your debit card to create an account

Browse and shop

Use Zip at the checkout, pay nothing today. We pay the store.

Enjoy the goods

Nothing to pay upfront. No repayments until the end of next month.

Repay your way

Flexible repayments from $40/month – choose weekly, fortnightly or monthly.

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