| Cost | Terms |
| Monthly Account Fee |
$9.95/month on accounts with an owing balance at the end of each calendar month. No monthly fee on accounts without a balance.¹ |
| Interest |
Interest will be waived on accounts with balances less than $1,500.¹ Interest accruing daily at a low rate of 12.95%p.a.¹ will apply where your total owing balance is over $1,500 at the end of each calendar month (11:59pm AEDT or AEST). |
| Late Fee | If the minimum monthly repayment amount is not met, you will incur a $15 late fee. It will be charged 21 days after your contractual due date. |
| International Transaction Fee | No charges apply. |
¹ Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account when your balance is under $1,500 (including where it is paid in full) at the end of the last day of each month. Each day ends at 11:59pm AEST (AEDT during daylight savings). Pay your closing balance in full by the end of each calendar month and we’ll also waive the monthly account fee of $9.95 for that month. A monthly account fee of $9.95 will otherwise apply. Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.