ZIP PAY – UP TO $1,000 LIMIT
Always interest free.¹ Use the Zip Pay Visa Card anywhere Visa² is accepted for groceries, bills and more. Choose weekly, fortnightly or monthly repayments.
ZIP PLUS – UP TO $20,000 LIMIT
Extra spending power with $0 international transaction fees. Interest free if your month-end balance is under $1,000, or 13.70% p.a. on amounts above.³
ZIP MONEY – UP TO $5,000 LIMIT
Cover bigger purchases: holidays, IVF or more. Enjoy interest free terms and flexible repayments.⁴
ZIP PERSONAL LOAN – UP TO $50,000 LIMIT
Use it for debt consolidation, home renovations and more. Choose a loan term that suits you, with lengths from 3 to 7 years.⁵
¹ Zip Pay: T&Cs and a $9.95 monthly account fee apply. Other charges may be payable.
² Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
³ Zip Plus: 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. 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.
⁴ Zip Money: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly repayments are required and vary according to credit limit. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers.
⁵ Based on an unsecured personal loan of $30,000 over 5 years, a borrower with an excellent credit history can expect to pay a total of $40,893.60. This represents an estimated monthly repayments of $681.56, a variable interest rate of 11.99% p.a. and a comparison rate of 12.94% p.a. including all interest and fees included in your loan repayments over the life of the loan. The comparison rate for the Zip Personal Loan is based on an unsecured loan of $30,000 over a loan term of 5 years. The comparison rate assumes no Annual Rate Drops are applied. WARNING: This comparison rate applies only for the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. We determine the interest rate available to you based on your credit score and financial information provided during your application. The interest rate on the Zip Personal Loan ranges between 11.99%p.a. to 21.99%p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 and one-off establishment fee of $199 will apply.
All products: Interest and other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Minimum monthly repayments are required and will vary depending on your credit limit. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).
This app asks for you bank logs in ID and password they only need account details to set up with signed approval which the bank will verify. Never give your user name and password response:Hi there, Thanks for taking the time to leave a review. Bank Account Linking in app is the ability to securely link your bank accounts and credit card accounts to the Zip app. You will be able to your total available funds and see up to the last 2 years worth of transactions in the activity tab. We will provide a balance insight on the accounts you link, by aggregating the available balance (i.e. available cash) you have on all of your accounts into 1 total balance. Hope this helps! Rose" so this answer means they use your main login account for all accounts and take from whichever account they please not from a linked account as required per law. In no state in Australia is it legal to make any persons hand over their full personal access to all accounts. Under the legislation this is fraud and cohesion. If I’m correct it’s not only a state fraud but also federal fraud as the banking system is Australia wide with these companies. It also against international monetary laws. They can only request one account details and visa debit or a credit card number and and signed to authorise the transaction which is then double checked by the bank with some banks asking for authorisation at their end via the app or account. With total access they can take any moneys they want in fraud. No other company does this. You have to update your card details manually via the app to link cards.
Developer Response
Hi there,Thanks for taking the time to leave a review.Bank Account Linking in app is the ability to securely link your bank accounts and credit card accounts to the Zip app.You will be able to your total available funds and see up to the last 2 years worth of transactions in the activity tab.We will provide a balance insight on the accounts you link, by aggregating the available balance (i.e. available cash) you have on all of your accounts into 1 total balance.Hope this helps!Rose
The best out of all buy now pay later. BY FAR!
Law&JusticeGirl
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.
Fees & Monthly Charges
Bubaloopy
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.🥰
Need for change; need ZIP!
twoofus69
ZIP = Easy to use; easy to navigate the app; prompt, friendly, polite, courteous, & professional as well as extensive customer support at the push of a button!By far the best credit & credit-card like service.EVERYONE NEEDS ZIP (customer feedback & online reviews ARE important to ZIP, that’s how they facilitate change & the company’s business plans, strategies &/or directives in-line with growth, profits, & to maintain a high level of customer satisfaction. HAPPY CUSTOMERS = a higher customer spending rate as well as more on-time &/or b4-time account payments; happy customers give referrals & help to provide ZIP with additional legs &/or sales support.All customers are just as important to ZIP as ZIP is to us customers; we all live on this planet, we are all important! I support ZIP services with the money/credit facilities I use daily, & ZIP have always shown a genuine support to me!! CUSTOMER support/satisfaction is instrumental in ZIP’s business growth, profits & longevity!!(The only suggestion I have is that ZIP & other credit providers need to facilitate policy change to credit lines; in recognising that someone who owns their home outright, has no current debts except ZIP, & is a full time ‘live-in’ carer for direct family member’s & spouse’s/my money is assured every fortnight on Govt Pension & therefore I am more stable & less of a financial risk that anyone else in a day-2-day paid job, they can get sacked or laid-off. Unless both my fiancé & 77yo Mother die or the Govt goes broke, I will keep on getting paid; & I would much prefer ZIP increase my $1000 limits rather than having a 2nd credit facilitator!)Overall = THANK YOU ZIP, I appreciate you.
In this release, we've made some improvements to make your Zip experience seamless and easy. We're always improving our app so be sure to update it regularly or just turn on automatic updates.
Version 26.7.10
The developer, zip.co, 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
ZIPMONEY PAYMENTS PTY LTD
Size
183 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPad Requires iPadOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
