| Balance Owing at End of Month¹ | Interest |
| Less than $1,000 | Interest accrued during the month will not be charged. |
| More than $1,000 | Your account will accrue interest daily on the owing balance at a rate of 13.70% p.a and will be charged. |
Your Zip Plus account will accrue interest daily at the annual percentage rate of 13.70%. If your owing balance exceeds $1,000 at the end of the month, any interest owing will be applied to your outstanding balance the following day i.e. the first day of the new month. If your balance is below $1,000 at the end of the month, interest will be waived.¹
¹ Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. 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.