Zip FAQs

Visit Help Centre

All you need is:

A valid email address and mobile number.

Be at least 18 years old.

Be an Australian Citizen or Permanent Resident.

Have a good credit history.

Read more about what you need to apply for Zip Pay and Zip Money.

How to use Zip:

Choose the account that's right for you.

Sign up and get a decision in minutes.

Select Zip at checkout.

Log into your account to set up your a repayment schedule to suit your lifestyle.

Reuse your account anywhere you see the Zip logo.

Fees & interest:

Zip Pay purchases are interest free, always.

Zip Money is interest free if you pay off your purchases within the interest free period.

Standard interest rate of 19.9% applies after the interest free period.

The $6.00 monthly account fee is waived if you pay your balance by the due date.

If there's nothing owing on your account, there's nothing to pay and no fees.

Repayments:

Choose from weekly, fortnightly or monthly payments to suit your lifestyle.

Repayments start from $40 a month and are based on your account's credit limit.

Read more here about repayments, interest and fees for Zip Pay and Zip Money.