I experienced a system update error that I couldn't recognize on my end. For instance, the value approved was displayed as $4,000, even though it was originally approved for $12,000. I found it diffic... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have been using Zip money for many years now so easy to use Never had any issue with customer service Payments and fees are very reasonable Zip pay helps me manage my finances easier any unex... See more
Company replied
You people at zip should be super impressed with your service and portal connectivity. Seriously tight and more easily navigated than most banking apps. Your fees are more than reasonable to the poin... See more
Company replied
I just recently started an account with Zip, and I must say that it has been a positive experience so far. It was simple to apply and start using their service. I have worked with other ‘pay in 4’ app... See more
Company replied
Company details
Written by the company
Founded in Australia in 2013, Zip is a homegrown financial services company, helping people manage real life with smarter, more flexible ways to pay, borrow and plan. We believe money should help people move forward, not hold them back. Through a growing range of products - including Zip Pay, Zip Plus, Zip Money, Zip Personal Loan and ZMobile - Zip gives Australians more choice and control over their everyday finances. Whether it's managing day-to-day expenses, funding life's bigger moments or staying connected, Zip helps people stay in control today and move towards tomorrow. We're here to help Australians spend better, live lighter and unlock their financial potential.
Contact info
Level 7/180 George St, 2000, Sydney, Australia
- 02 8294 2345
- hello@care.zip.co
- zippay.com.au
4.2
Great
4k reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 98% of negative reviews
Typically replies within 24 hours
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Jordan was fantastic
Jordan was fantastic, he stayed online until my problem was fixed. You need more workers like Jordan.
12 March 2026
Unprompted review
Reply from Zip AU
Hi Phillip,
High five to Jordan! 🙌
We’re thrilled he could assist you with your balance questions so thoroughly and politely.
I’ll be sure to pass your kind words along to him.
Thank you for taking the time to share your experience with us!
- Amirah
Reply from Zip AU
Hi Ange,
Thanks for your 5 star review!
We’re so glad to hear you’re enjoying the app. Our team works hard to make the experience as seamless as possible, so your feedback means a lot!
Thanks again for your support.
-Jessie
Rejected for no reason
Rejected for no reason. Outstanding credit report and no debt. It was instantaneous and likely AI. Extremely unfair and I will NOT be bothering again with this horrible company
6 March 2026
Unprompted review
Reply from Zip AU
Hi Asher,
Thanks for taking the time to provide your feedback.
We’re sorry for the frustration this has caused. We understand it feels unfair, especially when you have a strong credit history.
Our decisions are never based on a single data point; we take a holistic view of every application. This includes factors like employment security, income level, current financial obligations, credit reporting history, and social verification. Because we consider how all these pieces fit together at this specific time, a rejection doesn't always reflect a poor credit score.
We apologise for any inconvenience this has caused. Thanks again for taking the time to provide your feedback.
-Jessie
Best app I've found and used so far to pay in payments
Best app I've found and used so far.. I use to this day With no issues and it is so helpful at the end of the month when I need groceries and I am broke before payday. Great customer service and easy to use software. Not to mention no interest, just one fee of less than $3 per purchase. You pay a small down payment I think ten percent then 3 small payments to pay off your purchase, or they now have the choice to pay 2 payments faster. They raise your purchasing power randomly and when you make 5 purchases in a row and pay them all off on time. No credit check or high score needed your approved as soon as you downloaded the application.They make it so easy to get refunded if needed, and did I mention no interest?! Got to have it!
4 January 2026
Unprompted review
Reply from Zip AU
Hi Bobbi,
Thank you for the amazing shout-out!
We're thrilled that the app has been so helpful and easy to use.
I'm really glad to hear that we've been able to help you out and make things a little bit easier during these tough times.
Thank you for sharing your experience and choosing Zip 💜
-Amirah
Love the flexible repayments that help…
Love the flexible repayments that help tide you over those difficult times and manage cashflow better
5 March 2026
Unprompted review
Reply from Zip AU
Hi Shareen,
Thank you for the 5-stars!
It's great to hear that our repayment options are making life a little easier. I'm pleased to hear we can help you manage your finances and make it a seamless experience for you.
Thanks for choosing Zip 💜
-Amirah
Always prompt and efficient assistance
Always prompt and efficient assistance. Excellent service, I've always had a great experience using zip.
2 March 2026
Unprompted review
Reply from Zip AU
Hi Grant,
Thanks for the lovely feedback. We’re glad you’ve received prompt and efficient help and that Zip has been a great experience for you.
We really appreciate your support.
Have a great day :)
-Joseph
Very happy with zip card
Very happy with zip card. When i need to pay something on line is there for me. I call is my go card. Thank you Zip.
1 March 2026
Unprompted review
Reply from Zip AU
Hi Robert,
Thanks for providing your 5 star review!
It’s wonderful to know that Zip is providing the convenience and reliability you need for your online payments.
Thank you for choosing us and for your ongoing support!
-Jessie
Reply from Zip AU
Hi Aaron,
Thanks for your 5 star review!
We’re thrilled to hear you’re finding the Zip app easy to use and handy for your everyday needs.
We appreciate the support!
- Jessie
I have loved zip and the flexible…
I have loved zip and the flexible payment system. No fees from late payments. It’s been a great source I can manage and control myself.
1 March 2026
Unprompted review
Reply from Zip AU
Hi Kylie,
Thanks for providing your 5 star review!
We’re thrilled that you find our system easy to manage and that the flexibility works so well for you.
Thanks so much for your ongoing support.
-Jessie
Very helpful very supportive
27 February 2026
Unprompted review
Reply from Zip AU
Hi Kathryn,
Thanks for your 5 star review!
We really appreciate the feedback. Providing helpful and supportive service is our top priority, and we're glad we met your expectations.
Thanks again for your support.
-Jessie
Zip is a good credit choice
I'd have given a 5 except for a couple of things. At one stage, I was given $2000 max zippay, but they reduced it to 1,500 saying something about legal customer limit protection despite the fact I had paid off most of it and was paying over $125 pf back (mostly much higher), so it was disappointing for them to decrease the amount despite also having zip money for 1000 that I haven't touched. I am a good payer back - I have had one time they tried to debit my account earlier than when I get my pay which I didn't organise. The last issue is I had a dispute with a merchant way back in January and I contacted zip February (early) and they told me they would contact the merchant by today, 27th, and work it out, but I have yet to hear anything back and every time you try to contact by email, it raises another ticket which is confusing. Other than all of that, I am on DSP and applying for zip years ago, they easily approved me. And when I use zip as a payment never had an issue except very early on with fuel cards, and Woolworths. A really good thing is a lot of dentists now take zip. As an alternative way to pay compared to loans, credit cards, zip's interest rates are very cheap. The only irony once you start paying it back, too easy to start spending again. On the phone, customer service I found was excellent. Zip app easy to use. When using internet via laptops etc. accessing zip website sometimes annoying because you have to be careful and make sure it is Australia. Despite my very few minor complaints, in the scheme of things, I highly recommend zip and repayments start as little as $40.
27 February 2026
Unprompted review
Reply from Zip AU
Hi Jem,
We truly appreciate your long-term support and the 4 star rating!
It’s great to hear our phone support has been excellent for you. We apologise for the confusion with the email tickets and the delay on your dispute. We are committed to making things right and will ensure your feedback about account limits is shared with the right team.
Thanks again for taking the time to provide your valued feedback.
-Jessie
Reply from Zip AU
Hi Tamar,
Thanks for your 5 star review!
We’re so happy to hear that Charlene provided such amazing support!
We pride ourselves on our team's dedication to our customers, and we'll make sure Charlene gets the recognition she deserves for helping you out!
-Jessie
Very pleasant
Very pleasant respectful at all times and was able to get enquiry fixed.
26 February 2026
Unprompted review
Reply from Zip AU
Hi Neal,
Thanks for your 5 star review!
We pride ourselves on providing respectful and effective service, and I’m thrilled to hear we were able to resolve your inquiry to your satisfaction.
Thanks again for your support!
-Jessie
I found following the wait time to speak with team member very quick and they were very helpful.
I found following the wait time to speak with a team member of 1 minutes, spoke with member of my ongoing problem with financials, it was resolved within 5 minutes of speaking with her. Very satisfied and the score I have provided allows for room for improvement.
25 February 2026
Unprompted review
Reply from Zip AU
Hi Julia,
It’s great to hear that your ongoing financial query was sorted in under 5 minutes!
Thank you for sharing your experience with our team. We hear you on the 'room for improvement' and appreciate the honest score—it keeps us motivated to stay fast and helpful.
Thanks for choosing Zip 💜
-Amirah
Click-bait Zip promo "ZIP10" on Amazon
Tried to use their "ZIP10" promo code for $10 University books/items on Amazon - It refused code on payment page, no explanation or reason. Purchased book without promo code and lodged enquiry with proof/screen shots etc. and asked them to simply honour their promo. Brushed off, given lame ass excuses and told to contact Amazon about THEIR promo..... Paying it off and closing account today ! Click-bait promo with "fine print" in invisible ink. Con artists just like Amazon.
12 February 2026
Unprompted review
Reply from Zip AU
Hi Neil,
Thanks for taking the time to provide your feedback.
We’re truly sorry for the trouble with the ZIP10 code. We understand how frustrating this experience has been and this is not the experience we want for our customers. We would like to follow up with you directly in regards to this and provide a credit as a gesture of goodwill. If you could kindly complete the link below, one of our team members will reach out to you directly to fix this.
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:2044
Thank you.
-Jessie
My zip money
Everything is very straightforward , easy to understand and simple to use
22 February 2026
Unprompted review
Reply from Zip AU
Hi Stephen,
Thanks for taking the time to share your 5 star review.
Our team works hard to ensure we keep things user-friendly, so it’s great to know it’s making a difference for you.
Thanks for your feedback and your ongoing support.
-Jessie
Dont purchase Gift Cards
I purchased a gift card through Zip in December 2025, and when I attempted to use it in January 2026, I repeatedly received error messages. I contacted Zip on 18 January 2026 to report the issue. This resulted in a lot of back-and-forth emails between myself, Zip, and the shopfront.
The shopfront confirmed that the card was active and ready to be used; however, I continued to receive the same error. I was advised to visit the shopfront in person, which I did, only to be told that it was not their issue and that it was Zip’s responsibility.
I returned to Zip but received no updates for over a week. After following up for a resolution on the 17/2/2026, I was told that the card had been spent, that my email had been compromised, and that I should go to the police, with Zip stating they could not assist further—despite previously both ZIP and the shop front confirming the card was ready and waiting to be used.
I would strongly recommend not using Zip for gift card purchases. I am currently seeking advice from the Financial Ombudsman and am in the process of closing my accounts.
I posted elsewhere this review on the 18/02 and was asked for the details so they could follow up - did so...only to recieve the same response back by the same person (19/2). Waste of time.
19 February 2026
Unprompted review
Reply from Zip AU
Hi Hayley,
We appreciate you taking the time to leave a review.
We’re genuinely sorry for the stress the gift card issue caused. That’s certainly not the experience we want for our customers and we appreciate you reaching out so we can work to rectify this for you.
We trust that our team has provided a solution that works for you. If you have any further questions or need further support, please reach back out via our email thread in your existing request so we can prioritize your request.
- Jessie
I love Zip so much
I love Zip so much. I’d use it for everything if I could. It’s so easy and it makes life more pleasant
18 February 2026
Unprompted review
Reply from Zip AU
Hi Charmaine,
Thanks so much for the love. We’re really happy to hear Zip is easy to use and making life a little more pleasant.
We appreciate you choosing Zip
Have a great day :)
-Joseph
ZipPlus is sooo easy to use and fast
ZipPlus is sooo easy to use and fast, for all those unexpected, but necessary Items that decide to die at the most inconvenient Times. It’s a Choice to pay it out quickly or pay a small Monthly Fee. .
17 February 2026
Unprompted review
Reply from Zip AU
Hi Anna,
Love hearing this, thank you :)
It’s great that Zip Plus is helping when life throws up those inconvenient surprises, and that you can choose what works best for you.
Have a great day :)
-Joseph
Just love it
Just love it! Very easy to use. Very flexible with what you want to repay. Just love it!
15 February 2026
Unprompted review
Reply from Zip AU
Hi Robyn,
Thank you for the 5-stars!
We're so glad you're finding the app easy to use and the repayment flexibility helpful.
We love having you as a customer 💜
-Amirah
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