Zip makes life more affordable by spreading the costs of your purchases over time.
You'll pay nothing upfront. And repay weekly, fortnightly or monthly on a schedule that suits you.
So you can spend with confidence, knowing you're in control of tomorrow.
We're here to simplify how you pay everywhere and every day by offering fast, fair, seamless payment solutions online and in-store. We provide the flexibility to tailor YOUR repayments to YOUR lifestyle. You can shop any online store, anywhere in the world today and pay later with Zip.
Zip offers two main products: Zip Pay and Zip Money.
Zip Pay is an online shopping wallet with a credit limit up to $2000 with no interest ever. This is designed for everyday spending.
Zip Money is a line of credit with credit limits over $1,000. This product offers consumers a line of credit up to $5000 for regular accounts and up to $50,000 for specific merchants. This is designed for life's bigger buys.
We partner with multiple merchants across Australia and New Zealand. You can find all of our registered merchants on our stores page.
Use Zip to pay your bills via BPAY, Tap to Pay with your Zip Pay account almost anywhere instore or if you feel like online shopping, use our Shop Everywhere feature to shop at any online retailer.
You can also purchase your favourite Gift Cards such as Woolworths, Coles, and JB Hi-Fi, using your Zip account to use at various other retailers.
The possibilities to own it are endless!