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

# Zip Pay — Zip

> Buy Now Pay Later from Zip. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Buy Now Pay Later**

Interest free buy now pay later account for everyday purchases.

## Apply

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

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly account fee — Charged monthly · Charged for account limits of $350 and above. Waived if the statement closing balance is paid in full by the due date. | Ongoing | $9.95 |
| Late fee — 7 · Charged 7 days after the due date if the minimum monthly repayment is not made. | Late payment | $7.50 |
| Foreign transaction fee — Applies when using a Single-Use Card or Zip Visa Card for purchases in another currency. · 3% of the transaction value converted into Australian dollars. | Transaction | 3% of balance (PER_TRANSACTION) |
| BPAY processing fee — Flat fee per bill paid via BPAY. Exemptions may apply. | Transaction | $2.50 |

## Features

- **Digital wallet** — Apple Pay (Pay with your Apple(TM) device using Apple Pay.)
- **Digital wallet** — Google Pay (Pay with your Android(TM) device using Google Pay(TM).)
- **Bill payment (BPAY)** — Pay bills for Zip with BPay. (Pay bills for Zip with BPay.)
- **Card access** — Shop anywhere Visa is accepted with the Zip Visa 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** — $350.00 (Minimum credit limit.)
- **Maximum limit** — $1,000.00 (Maximum credit limit.)

## More information from Zip

- [Overview](https://zip.co/au/zip-pay)
- [Terms & conditions](https://zip.co/au/zip-pay)
- [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-pay`
- Last updated by the provider: 4 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/zip/zip-pay
- Provider page: https://www.cdrcompare.au/brands/zip

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/zip/products/zip-pay) — 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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