| Balance Owing at End of Month¹ | Interest |
| Less than $1,500 | Interest accrued during the month will not be charged. |
| More than $1,500 | Your account will accrue interest daily on the owing balance at a rate of 12.95% p.a and will be charged. |
Your Zip Plus account will accrue interest daily at the annual percentage rate of 12.95%. If your owing balance exceeds $1,500 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 $1,500 at the end of the month, interest will be waived.¹
¹ Interest on Zip Plus 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 on Zip Plus 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.