Zip - Shop Now, Pay Later 17+

Online & instore shopping

    • Free



With customisable repayments & nothing to pay on the day of purchase Zip makes life more affordable by spreading the cost over time


Easily balance the ups & downs of everyday living with $350-$1,000 interest free, to spend instantly once approved¹

Use Zip Pay everywhere Visa is accepted from groceries, petrol, beauty, tech to fashion. Pay nothing until the end of the following month & bundle all your purchases into one weekly, fortnightly or monthly repayment on a schedule that suits you


Pay for your next step in life from holidays to renos, electronics, insurance & more. Apply for up to $5,000, pay nothing on the day of purchase & get a minimum of 3 months interest free on every purchase & up to 5 years interest free at select Zip partners²

* Customise your repayment frequency, amount & date, or with Zip Money, split purchases over $300 into equal interest free instalments to help you avoid interest charges

* Earn instant cashback rewards online & instore at select Zip partners³
* Access exclusive offers
* Interest free periods up to 5 years available at select Zip partners with Zip Money

* Tap to pay: add Zip Pay to your phone & use it instore everywhere Visa contactless is accepted⁴
* Virtual card: create cards for one time use for extra security
* Barcode: create a barcode & speed through instore checkout at over 44,000 Zip Money partners
* Shop Directory: shop from the app - eBay, Jetstar, Catch, Amazon, Bunnings, JB HiFi & more
* Bills: pay over 60,000 BPAY® Billers - mobile, utility, insurance, medical, vet bills & more⁵
* Buy gift cards: buy gift cards from over 120 brands. Add a personal message & GIF to your gift cards

* Get notifications of upcoming repayments
* Check balance, view statements & transaction history
* View, change & manage repayments

¹Zip Pay: Minimum monthly repayments required. Monthly account fee of $9.95 applies, waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply
²Zip Money: Available to approved applicants only & subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 & above into equal repayments within the interest free period. Eligible purchase excludes Zip bills & gift cards. A monthly account fee of $9.95 applies & a one off establishment fee may apply for new customers. Additional charges may apply see T&Cs. Under the contract minimum monthly repayments are required. If you turn off instalments all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate 25.9% per annum as at 1.06.23. Interest, fees & charges are subject to change. T&Cs apply & are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878)
³Redeemable when you reach Rewards Goal. Rewards Program & Promotion T&Cs apply
⁴Tap to pay with Zip Pay only. Use the Card everywhere Visa contactless payments are accepted. Use virtual card everywhere Visa is accepted online. Card T&Cs apply
⁵Payments may take up to 5 business days to reach biller. Certain biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans & DEFT rent. A $2.50 processing fee will be payable for each bill & invoice processed through Zip. The amount of the fee will be advised & authorised by You at the time of bill payment. ®Registered to BPAY Pty Ltd ABN 69 079 137 518

What’s New

Version 3.5.2

In this release, we’ve made some improvements to make your Zip experience fantastic!

We’re always improving our app so be sure to update it regularly or just turn on automatic updates.

Enjoying the Zip experience? Let us know by leaving us a review.

Ratings and Reviews

4.9 out of 5
313.7K Ratings

313.7K Ratings

Law&JusticeGirl ,

The best out of all buy now pay later. BY FAR!

I’ve had a few issues with a couple other buy now pay later apps. I’ve changed card details and although the app said it was changed it wasn’t etc……. This app has NEVER EVER skipped a beat. It does what I ask it too, it is fair and decent with everything. Very easy to navigate and has no surprises. I always know what I’m in for and I don’t have to split everything order by order. It’s one payment for when I set it up to come out. No matter how many orders I have with multiple shops it’s not taking 6 different payments. I can manage my money better and I know that my limit doesn’t break the bank each and every week. I always pay more than I need so it gets paid off quicker, and I was able to change this to suit me on the app as apposed to having to call them. THANK YOU SO MUCH ZIP PAY. You make my life easier, Christmas and birthday’s possible and I know I can always count on having a back up if I need it.

Bubaloopy ,

Fees & Monthly Charges

I have found zip pay to be very helpful and I have noticed that there are complaints about fees etc. Before applying you should read through these and know exactly what you are going to get charged each month - that is just common sense to me. I love this app and I feel the monthly fee of $6 is very reasonable and minimum repayment of $40 a month is great. It is a lot cheaper than getting an advance loan, payday loans etc.
I am just stumped at how many people do not read about fees and repayment before applying. Zip pay make it very clear on these charges and is explained easily so you know what you are up for. I have been very happy with zip pay and will continue to use for a long time, I have Afterpay and Openpay but have not yet used these as I find that zip pay is more suited to me and I am on a low income so the monthly repayment and fees as very reasonable.
Thanks zip pay I would be lost without your assistance.🥰

Krishna.rp ,


On behalf of my experience with Zip Pay, I must say it has been nothing short of exceptional. This financial tool has truly transformed the way I manage my expenses, offering unparalleled convenience and flexibility.

Signing up for Zip Pay was a breeze, and the approval process was quick and hassle-free. Once approved, I gained access to a virtual wallet that allowed me to make purchases both online and in-store, with the option to split payments into manageable installments.

What I appreciate most about Zip Pay is its transparent fee structure and commitment to responsible lending. Unlike traditional credit cards, Zip Pay doesn't charge interest on purchases, making it a cost-effective solution for budget-conscious individuals like myself.

Furthermore, the customer service provided by Zip Pay is top-notch. Whenever I've had a question or concern, their support team has been prompt and helpful, ensuring that my experience with Zip Pay is always positive.

Overall, I couldn't be happier with my experience using Zip Pay. It has truly simplified my finances and given me greater control over my spending. I highly recommend Zip Pay to anyone looking for a convenient and responsible way to manage their purchases.

App Privacy

The developer,, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Search History
  • Browsing History
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contacts

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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