There are no extra fees or charges to use a Zip Single-Use Card except when making Foreign transaction 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 transaction fee equal to 1% for Zip Pay and 3% for Zip Money of the value of the transaction when converted into Australian dollars if you use a Single-Use Card to make the purchase. Including Transactions made in Australian dollars, even if the Transaction is made overseas.
There is no foreign transaction fee for purchases made using Zip Plus.
Please 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.