Zip
Zip Pay
Zip · buy now pay later
Provider last updated this product 2026-08-04.
Go to provider
You'll complete your application on
Zip's website. Confirm the rate and fees with them
before applying.
Interest free buy now pay later account for everyday purchases.
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Monthly account fee | PERIODIC | $9.95 | Charged for account limits of $350 and above. Waived if the statement closing balance is paid in full by the due date. |
| Late fee | LATE_PAYMENT | $7.50 | Charged 7 days after the due date if the minimum monthly repayment is not made. |
| Foreign transaction fee | TRANSACTION | 3.00% | 3% of the transaction value converted into Australian dollars. |
| BPAY processing fee | TRANSACTION | $2.50 | Flat fee per bill paid via BPAY. Exemptions may apply. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | $9.95 |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18Applicants must be at least 18 years old
- residency status - AUMust be an Australian citizen or permanent resident
- otherHave your own valid and verifiable email address.
- otherHave your own valid and verifiable mobile number.
- otherApproval subject to Zip’s credit assessment criteria.
Limits
- min limit - 350.00Minimum credit limit.
- max limit - 1000.00Maximum credit limit.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-08-04T00:00:00+00:00 · Product ID: zip-pay