FAQs

How long does it take to apply?

Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.

Where can I shop with Zip?

See the full list where you can shop with Zip in our store directory.

Shop everywhere online where Visa is accepted with Zip's single-use card feature on the Zip mobile app* . Or shop anywhere instore you see Zip at checkout - we've partnered with 58,000+ retail stores.

Additionally, you can use your Zip account to pay BPay bills** and buy gift cards for food, fuel and groceries.

How do repayments work?

Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.

How do refunds work?

If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.