Zip is an easy and flexible payment method which gives you the freedom to buy now and pay later at thousands of Australia’s favourite stores and clinics. There are two reusable account types, Zip Pay and Zip Money.
Zip's allows you to securely shop online and instore with any Zip retailer up to your account limit. Each repayment that you make towards your purchases will replenish your available funds, allowing you to reuse your account again and again.
Once you have a Zip account, management is easy. You can make purchases, manage repayments and much more from our simple, online account.
Repayments are flexible to suit your lifestyle - weekly, fortnightly or monthly, and you can pay as much as you like as long as you meet your minimum monthly repayments (advised at the time of sign up).
For both Zip Pay and Zip Money, a $6 monthly account fee applies, but only when you have a balance. We'll waive this if you pay your balance by the due date.
You can apply for a Zip account in minutes online. To apply you need to be an Australian Permanent Resident or Citizen and 18 years of age. Applications involve identity verification and a credit check.
Once approved, the items are all yours without waiting, and you choose how you'd like to pay back over time to suit your lifestyle.