Zip Pay
Buy Now Pay Later
Interest free buy now pay later account for everyday purchases.
- From
- 11.99%
- 12.94% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Personalised variable rate up to 11.99% p.a. | 11.99% | 12.94% | — |
| Variable Personalised variable rate up to 21.99% p.a. | 21.99% | 22.9% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly account fee 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 Charged 7 days after the due date if the minimum monthly repayment is not made. | Late payment | $7.50 |
| Foreign transaction fee 3% of the transaction value converted into Australian dollars. | Transaction | 3% (PER_TRANSACTION) |
| BPAY processing fee Flat fee per bill paid via BPAY. Exemptions may apply. | Transaction | $2.50 |
Features
- Digital wallet
- Can be used via mobile wallet or app
- Bill payment (BPAY)
- Flexible repayments over time
- Card access
- Extra repayments
- Fraud protection
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old
- Residency statusMust be an Australian citizen or permanent resident
- IdentificationValid ID required for verification
- Credit checkSubject to credit assessment and approval
- EmploymentEmployment details required as part of application
Constraints
- Minimum limit — $350.00Minimum credit limit.
- Maximum limit — $1,000.00Maximum credit limit.
More Information
Published by Zip under the Consumer Data Right · Last updated 19 June 2026 · Product ID zip-pay