Zip offers a range of account types that allow you to check out now and spread repayments over time, with no upfront payment.^*

T&Cs apply.

^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. 

*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 your closing balance at the end of each statement period. 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. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Further details https://zip.co/au. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

**Zip Plus: 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 $1,000 (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 13.70% p.a as at 1 April 2026. 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.