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ZipMoney- Buy Now, Pay Later



Buy Now, Pay later
up to 3 months interest free.


Frequantly Asked Questions about zipMoney

What is zipMoney? (Extracted from zipMoney's Website)

zipMoney is reusable account to shop interest-free, offering you the simplest way to pay over time for life’s larger purchases on your terms. zipMoney is 100% owned by ASX listed zipMoney Limited (ASX: ZML), with all operations based in Sydney, Australia

How does it work?

Apply once and in a few minutes you will get a decision on the spot. If approved, you can use your account immediately to purchase wherever you see at checkout. zipMonery pays the retailer on your behalf and your purchase can be dispatched or taken home straight away. You simply pay ZipMoney back over time, with great interest free terms.

How can I manage my repayments?

We know flexibility is important, so our product is designed to put you in charge. Simply log into your account to set up your weekly, fortnightly or monthly repayment schedule. Once set up, payments will be taken automatically from your selected payment method, however, you can also make additional one-off payments at any time.

When do I need to pay back by?

In addition to any interest that may be charged after the interest free period, for larger account limits a one-off establishment fee may be added to your balance. A $5 monthly account fee applies for any month a balance is still owing - no balance, no fees. A $15 late payment fee may be charged if your account is not kept up to date and you don’t meet the minimum monthly payment.

How do I reuse my account?

You can re-use your account wherever you see zipMoney, online or in-store. Simply select zipMoney at checkout, sign in to your account to confirm your purchase and it will be added to your balance. Remember, each purchase has its own interest free period and will be advised to you at the time of purchase.


How does it all work?

1. Interest free period 

Your interest free period refers to the length of time for which your purchase will not incur interest. After this period, your outstanding balance will accumulate interest at the standard annual rate (outlined in your contract).

2. Application Process 

The online application process takes less than 3 minutes. You simply choose the appropriate credit limit, input your residential, employment and financial information, and verify your identity through an SMS code. You need to have your own email address and mobile phone number in order to complete an application. After submitting your application to ZipMoney, the Underwriting Team will assess the information provided and determine whether ZipMoney are able to proceed with your account. 

3. Registering your account 

If approved, we will send an activation link to your email address. The activation step will detail your contract, and requires you to provide your payment details for your regular direct debit payment.

4. Making a purchase

You can now manage and use your account at any zipMoney affiliated merchant both online and in-store! 

5. Set up repayments

Once you have made a purchase, you can set up your repayments to fall monthly, fortnightly or weekly at whatever amount suits you (provided this is greater than the monthly minimum). Please note that we only accept debit cards and payments via your bank account. We will automatically attempt to take those repayments so there is no need for you to make them.

6. Additional payments 

You can also make additional payments whenever you like via card or BPay. However, please be aware that your scheduled payment will still process even if you make an additional one off payment!


What are the fees and charges?

Annual Fee

There are no annual fees on your account, and there is no charge for keeping your account open when your outstanding balance is at $0.00. There is a monthly service fee of $4.95 when there is an outstanding balance on your account.

Interest Free Period

Every purchase you make using your account has a minimum interest free period of 3 months from the date of each transaction. If you repay the purchase amount within this period, no interest is charged. Should an account remain outstanding at the end of the interest free period, interest will be charged at the Standard Annual Percentage Rate - which will be indicated in your contract.

Some purchases may have a promotional interest free period (such as 6 or 12 months interest free). If this is the case, you will be advised at the time of the purchase and the promotional interest free period will apply to that particular purchase.

Establishment Fee

Depending on the size of your approved credit limit, there may be an establishment fee for your account. This amount will be specified at the sign-up stage and also in your contract.

Other Fees and Charges

A late fee of $15.00 may be charged if you do not make your minimum repayment amount before your payment due date.

Other fees and charges may be charged for alternate methods of repayment or dishonoured payments- your contract will advise you of these amounts. Any fees charged are added to the outstanding balance.



Who can apply for a zipMoney account?

Any Australian resident who is over 18 years of age, is employed in some capacity, and earns more than $300 per week is eligible to apply. zipMoney's lending criteria is then applied to each application.

In addition, for security reasons, we require that customers have both an individual email address and mobile phone number.


What are the different types of accounts?

All zipMoney accounts receive a minimum of 3 months interest free on all purchases.Interest is incurred from 23.9% after the interest free period. A monthly account fee of $4.95 is only incurred when there is an outstanding balance. That means, no balance, no fees!

Differentiating features of each account include:

Limit: $1000

  • Establishment Fee: $0.00
  • Minimum Monthly Payment: $40.00

Limit: $2000

  • Establishment Fee: $25.00
  • Minimum Monthly Payment: $40.00

Limit: $3000

  • Establishment Fee: $49.00
  • Minimum Monthly Payment: $80.00

Please note that these account limits and fees are only applicable for applications made directly through the zipMoney website, and may differ for individual merchants.