If you'd like a refund on a Zip purchase, you'll need to contact the retailer directly and follow their normal returns process.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards any balance currently owing on your account. Please note the refund process and timeframe is dictated by the merchants.
If the refund amount places your account into credit, please contact our customer experience team below to arrange a refund to your bank account. Alternatively, you can choose to leave your account in credit and use the funds for your next purchase.
Please note: When a refund is applied to your account, the refund amount will not include any fees you may have been charged while paying off your purchase (e.g. monthly account service fees or late payment fees).