---
title: "Zip - Shop Now, Pay Later - Reviews, Revenue and Downloads in Australia | Apple App Store"
description: "ZIP PAY – UP TO $1,000 LIMIT Shop now, pay later, always interest free.¹ Use the Zip Pay Visa Card anywhere Visa² is accepted for groceries, bills and more. Choose weekly, fortnightly or monthly repay"
---

# Zip - Shop Now, Pay Later — Australia
> Online & instore shopping

![Zip App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/1e/e5/12/1ee512a2-e5bd-2e77-264c-52e2f8241134/AppIcon-0-0-1x_U007epad-0-1-85-220.png/434x0w.png)

**Developer:** [ZIPMONEY PAYMENTS PTY](https://apptail.io/developer/zipmoney-payments-pty-KZR)
**Category:** Finance
**Rating:** 4.9/5 (348,225 ratings)
**Price:** Free
**Bundle ID:** co.zip
**Store:** Apple App Store
**Country:** Australia
**Version:** 4.14.0 (released 2026-03-27)
**Original Release:** 2018-08-03
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/au/app/app/id1411824359)
**AppTail Page:** [https://apptail.io/app/zip-shop-now-pay-later-kWN/australia](https://apptail.io/app/zip-shop-now-pay-later-kWN/australia)

## Zip Description
ZIP PAY – UP TO $1,000 LIMIT
Shop now, pay later, always interest free.¹ Use the Zip Pay Visa Card anywhere Visa² is accepted for groceries, bills and more. Choose weekly, fortnightly or monthly repayments.

ZIP PLUS – $2,000 TO $20,000 LIMIT
Extra spending power with $0 international transaction fees. Interest free if your month-end balance is under $1,500, or 12.95% p.a. on amounts above.³

ZIP MONEY – UP TO $5,000 LIMIT
Cover bigger purchases: holidays, IVF or more. Enjoy interest free terms and flexible repayments.⁴

ZIP PERSONAL LOAN – UP TO $50,000 LIMIT
Use it for debt consolidation, a car, home renovations and more. Choose a loan term that suits you, with lengths from 3 to 7 years and flexible repayments.⁵

¹ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.

² Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.

³ Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. 

⁴ Zip Money: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly repayments are required and vary according to credit limit. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. 

Zip Plus and Zip Money - Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Minimum monthly repayments are required and will vary depending on your credit limit. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).

⁵ The rate drop is applied to your personal loan at the end of each anniversary year. To be eligible for an annual rate drop, you must, during the anniversary year, make all repayment amounts by the due date each month on your personal loan and any other accounts you hold with Zip. If you miss any repayments under your loan agreement or any of your other Zip accounts at any time, you will not be eligible for an annual rate drop on your next anniversary date, but you may be eligible in subsequent anniversary years if you meet the criteria during those anniversary years. You may not receive the full benefit of annual rate drops if the variable interest rate increases, which may happen from time to time.

## Zip Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/08/79/91/087991c8-b1fe-e089-024e-c06ef294d433/iOS-Size1_Frame1.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/87/87/24/8787246a-5348-c037-48c8-186bd5e3cb76/iOS-Size1_Frame2.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/8c/0c/51/8c0c5148-f4f6-d7a9-59b1-1ee377ad27b8/iOS-Size1_Frame3.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/48/ba/09/48ba09e4-35e6-a5ec-0a83-9f284934f8e3/iOS-Size1_Frame4.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/2b/49/1e/2b491ed4-2b8b-2578-f3fb-1e04e2dca437/iOS-Size1_Frame5.png/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/34/b4/94/34b4949a-219c-d42a-3adf-32edc411da77/iOS-Size1_Frame6.png/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/5e/23/05/5e230565-b297-7262-3fc4-b3e0503aa5e2/iOS-Size1_Frame7.png/1242x2688.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4e/32/a6/4e32a6b3-7d20-6095-d06a-5a0a9b987482/iOS-Size1_Frame8.png/1242x2688.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/6f/ba/0b/6fba0b28-ee0a-d253-e811-6731334668fe/iOS-Size1_Frame9.png/1242x2688.png)

## Zip Rating Breakdown in Australia
- 5 stars: 319,510 (92%)
- 4 stars: 23,280 (7%)
- 3 stars: 3,897 (1%)
- 2 stars: 462 (0%)
- 1 stars: 1,076 (0%)

## Zip Reviews in Australia

### ***** "Mr Mills"
Apple Watch PlayStation 
Awesome to use and get things you need
-- Hushy68, 2025-01-06

### ***** "Very Happy"
I love it. It helps me a lot when I need it most 

Very helpful
-- Muapeni, 2025-01-03

### ***** "Love!"
Zippay has been amazing and easy to use. 
Great to pay things up front and very reasonable pay off periods.
-- Halz1985, 2025-01-02

### ***** "The Go"
It is a great option to have on the side and it’s working perfectly for me loving it
-- My 777 sleeper, 2025-01-01

### ***** "Awesome service app"
I love how it’s soo easy to use especially when you have the digital wallet option to tap and go and also purchasing online is so convenient for use! Absolutely love it and definitely recommend a must use.
-- Zeronii87, 2024-12-29

### ***** "Great apps"
Easy to shop
-- Romeo Aussie, 2024-12-28

### ***** "Good"
Good
-- Zaxxology, 2024-12-28

### ***** "Zip"
Easy app and great structure
-- mezzalop1, 2024-12-25

### ***** "Mr"
Excellent service
-- timothik, 2024-12-23

### ***** "BPay"
Verry good service
-- MUN9DI, 2024-12-22

### ***** "Legendary product"
Have been using since 2019. Fantastic. Have used customer service a couple of times and response times are actually really fast, I was pleasantly surprised
-- Ports83, 2024-12-21

### *---- "Dishonest & unethical"
If you try and pay off orders ahead of the instalment schedule you might notice it won’t let you. It’ll say try again another time. 

I did this but same issue. So I called and closed the order down over the phone. I did this multiple times but realised those orders won't closed. Instead they were paid forward to the instalment plan to continue incurring daily interest. 

The story from zip repeatedly changed. I wouldn't touch this company with a 10 foot pole. If you want honesty. Zip isn't where you’ll find it.
-- Integrity first before profits, 2024-12-21

### ***** "Love Zip pay"
Always there when you need to be rescued; Thank you Zip Pay♥️
-- Snow1943, 2024-12-20

### ***** "Zipplus"
Extremely happy with the service and the app is very user friendly.
-- Kingston Park, 2024-12-19

### ***** "Lifesaver at Christmas for our Puppy"
Just a lifesaver literally. Needed the extra money to pay for emergency vet bills this Christmas.
-- Janzey P, 2024-12-17

### ***** "very good"
I love it very helpful
-- Sami jaafar, 2024-12-15

### ***** "Australia"
Fantastic cheap and low payments recommend for people on low budget help get through hard times quick and easy to use just keep your payments up and can use over and over again it’s like paying your rent if you keep paying it you keep using it simple as one two three to use don’t use other apps borrow 200 pay back 400 and sign up fees this app is highly recommended of you miss an payment small fee not 35 dollars only a few dollars this app has really helped out in hard times 10 stars from me
-- ninotheman79, 2024-12-13

### ***** "Convenient and helpful"
When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interest Highly recommend
-- po ety, 2024-12-11

### ***** "Thanks zip"
Very good useful
-- 01joban, 2024-12-10

### *---- "Do Not Trust Them"
They blatantly lie to you about T’s & C’s. Their customer service agents lack knowledge about their services. Then once your mislead, they victim blame! Horrible service with zero empathy & integrity, lack any moral compass. Would not recommend
-- Jason15518, 2024-12-09

[View all Zip reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Zip Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Australia | Finance | #17 |
| Top Free | Australia | Overall | #280 |

## Zip Discovered Keywords
- go mastercard
- money budget finance
- budgeted
- gem visa
- pay later
- bnpl
- buy now pay later australia
- pay in 4
- shop now pay later
- sezzle

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---

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