If you return goods to a retailer and they agree to a refund, your Zip account that you used to make the purchase will be credited with the agreed refund amount.
The refund will pay down any owing balance on the account for unpaid purchases, however, if you have nothing else owing, the refund may place the account in credit.
If this happens you're welcome to leave the additional funds in the account for your next purchase or you can contact us for a refund to your nominated bank account.
When a refund is applied to your Zip account, the refund amount will not include any fees you have been charged while paying off your purchase (e.g. monthly account fees or late payment fees).
*Please note: Deliberately placing an account in credit is a breach of contract and may result in the account being locked.
If you think you may be eligible for a refund please contact our Customer Experience team.