Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

Nothing to pay today

We pay the store, you take the goods the same day.

Interest free

Easy interest free payments.
No hidden fees.

Flexible repayments

Pay us back how you like - weekly, fortnightly or monthly.

Reusable account

A reusable account with a limit that suits your needs.



Create your account in moments and select Zip at checkout.


Zip pay the store, you get the goods, nothing to pay today.


Choose how you pay us back over time, up to 6 months interest free.

ZIP Frequently Asked Questions

  • A valid email address and mobile number.
  • Be at least 18 years old.
  • Be an Australian Citizen or Permanent Resident.
  • Have a good credit history.
  • Read more about what you need to apply for Zip Pay and Zip Money.
  • Choose the account that's right for you.
  • Sign up and get a decision in minutes.
  • Select Zip at checkout.
  • Log into your account to set up your repayment schedule to suit your lifestyle.
  • Reuse your account anywhere you see the Zip logo.
  • Zip Pay purchases are interest free, always.
  • Zip Money is interest free if you pay off your purchases within the interest free period.
  • Standard interest rate of 19.9% applies after the interest free period.
  • The $6.00 monthly account fee is waived if you pay your balance by the due date.
  • If there's nothing owing on your account, there's nothing to pay and no fees.
  • Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
  • Repayments start from $40 a month and are based on your account's credit limit.

If your item meets Discount Drug Stores's returns policy, the purchase amount will be credited back to your Zip account.

Read more here about repayments, interest and fees for Zip Pay and Zip Money.

Pocket your new phone with Cellmate today.

Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

Your everyday spending account

Up to $1,000

Ideal for life’s bigger buys

Over $1,000