There are no extra fees or charges to use a Zip Single-Use Card except when making Foreign Exchange Transactions with Zip Pay or Zip Money.
Transactions made in another currency will be subject to the Visa exchange rate at that time, plus a foreign exchange fee equal to 1% (for Zip Money 3%* effective 3 April 2025) of the value of the transaction when converted into Australian dollars if you use a Single-Use Card to make the purchase.
There is no foreign exchange fee for purchases made using Zip Plus.
Note: Please keep in mind your regular account fees will apply if you have an owing balance at the end of month. Interest will also be applied to Zip Plus purchases when your owing balance exceeds $1,500 at the end of the month and on Zip Money purchases when your interest free period expires (minimum 3 months).
* As communicated in our updated T&Cs email/SMS sent 4 March 2025 and effective as of 3 April 2025 for Zip Plus & Zip Money, effective as of 2 May 2025 for Zip Pay.