ZIP Terms and Conditions

A simple and secure way to pay

No Deposit

Quick &

Enjoy 6 months

Interest Free

Up to $1500 Credit

shop anytime

Low monthly


How to shop with zipMoney


Get Pre-approved below

Simple Application 3 minutes to complete application

Enjoy Your Online Shopping Account

What do I Need to Get Started?

No need for paper work we are completely digital.

My personal and residential details.
My ID, either Drivers License or Medicare Card.
Internet Banking Details – zipMoney will securely connect to your bank to access a read-only copy of your bank statement to fast track your application.
Don’t want to enter your bank details? Upload 3 months of your bank statements to finish your application.
My Debit Card or Account details to schedule my flexible repayments.
Please note all your financial and personal information is stored securely utilising bank-level encryption.

Apply here or Checkout with zipMoney

Fees and charges

One off establishment fee of $25.
Enjoy NO INTEREST for 6 MONTHS for purchases over $100.
No deposit required on any purchases made
Minimum monthly payments of 3% or $40 apply. Check your contract for details
A small admin fee of $4.95/mth, payable only if balance is owing

Safety and Security

Enjoy buyer protection on all purchases made using zipMoney
No credit card numbers. No worries!
We employ the same encryption as the big banks
We have partnered with global leaders in fraud prevention who count PayPal and eBay as clients

You must be an Australian resident,

18 years or over and have a job to apply.

Important Notice

Available to approved applicants only. Minimum monthly payments of 3% or $40 apply, see your contract for details. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 23.90%. A monthly account service fee of $4.95 is applicable while there is a balance outstanding. Lending criteria, terms, conditions, fees and charges apply and are available on application. Credit is provided by zipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence number 441878. Visit to learn from about zipMoney.