Create your account in moments and select
Zip at checkout

We pay the store, you get the goods,
nothing to pay today

Choose how you pay us back over time,
interest free

• What is Zip Pay?
  Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. No upfront payments and
  interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments
  to suit your lifestyle. Easy as.
• How does it work?
  Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and instore,
  wherever you see Zip at checkout. That’s it – your purchase is all yours, with nothing to pay today. Interest
  free always.
• How do repayments work?
  Your first payment won’t be due until the end of next month. When you open your account, we’ll set up a monthly
  payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card
  on the last day of each month and run until your purchases are paid off.

  Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active
  until you’re ready to make a purchase.
• Am I eligible for Zip Pay?
  To be eligible to apply for a Zip Pay account, you need to:

  • Be an Australian citizen or permanent resident
  • Be at least 18 years of age
  • Have a valid Facebook or PayPal account, in your own name
  • Have a valid debit card, in your own name
  • Have not declared bankruptcy or insolvency
• What are the fees?
  Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your
  closing balance is paid by the due date. No balance no fee. And you’ll pay nothing upfront – there are no
  setup fees and no hidden charges.
  If you don’t meet your minimum monthly repayment, a $5 late fee may apply. That’s it.
• How do refunds work?
  Start by speaking to the retailer – if they agree, they will process the refunded amount which will appear
  back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount
  refunded to your bank account instead. Or, simply use it for your next purchase.

Create an account, either online or through our app, in a few simple steps.

Online or in-store, get the things you want or need today, choose Openpay at checkout.

Pick your plan and pay your first instalment today. The rest is spread over 1–24 months (depending on your purchase).

You can take your purchase right away. Your remaining payments will be taken automatically from your chosen card.