---
title: "Zip Money — Zip"
description: "Credit & Charge Cards from Zip. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/zip/products/zip-money
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-04T00:00:00+00:00
---

# Zip Money — Zip

> Credit & Charge Cards from Zip. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Larger-purchase account with flexible repayments and promotional interest-free periods at eligible merchants.

## Apply

Applications are handled by the provider: [Apply at Zip](https://zip.co/au/zip-money)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Standard variable interest rate of 25.9% p.a. applies outside or after applicable interest-free periods.) | 25.9% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment fee — Depends on approved credit limit. · One-off establishment fee for new customers. | Upfront | $0.00 – $99.00 |
| Monthly account fee — Charged monthly · Charged if there is an outstanding balance on the last day of the month. No monthly fee if the balance is paid in full by month end. | Ongoing | $9.95 |
| Late fee — 7 · Charged 7 days after the due date if the minimum monthly repayment is not made. | Late payment | $15.00 |
| Foreign transaction fee — Applies when using a Single-Use Card for purchases in another currency. · 3% of the transaction value converted into Australian dollars. | Transaction | 3% of interest accrued (PER_TRANSACTION) |
| BPAY processing fee — Flat fee per bill paid via BPAY. Exemptions may apply. | Transaction | $2.50 |
| Dishonour fee — A $5 dishonour fee applies if your repayment is rejected by your bank. | Dishonour | $5.00 |

## Features

- **Bill payment (BPAY)** — Pay bills for Zip with BPay. (Pay bills for Zip with BPay.)
- **Card access** — Shop online using Zip's Single-Use Card.
- **Extra repayments**
- **Fraud protection**

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old)
- **Residency status** — AU (Must be an Australian citizen or permanent resident)
- **Have your own valid and verifiable email address.**
- **Have your own valid and verifiable mobile number.**
- **Approval subject to Zip’s credit assessment criteria.**

## Constraints

- **Minimum limit** — $1,000.00 (Minimum direct-apply credit limit.)
- **Maximum limit** — $5,000.00 (Maximum direct-apply credit limit.)

## More information from Zip

- [Overview](https://zip.co/au/zip-money)
- [Terms & conditions](https://zip.co/au/zip-money)
- [Eligibility](https://help.zip.co/hc/en-us/articles/360001595076)
- [Fees & pricing](https://help.zip.co/hc/en-us/articles/7087561373199-What-are-the-costs-associated-with-Zip-Pay-and-Zip-Money)

## Data provenance

- Published by Zip under the Consumer Data Right
- Product ID: `zip-money`
- Last updated by the provider: 4 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/zip/zip-money
- Provider page: https://www.cdrcompare.au/brands/zip

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/zip/products/zip-money) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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