Question 1

All you need is:

Accepted Answer

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 a Zip account here.

Question 2

How to use Zip:

Accepted Answer

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 a repayment schedule to suit your lifestyle.
Reuse your account anywhere you see the Zip logo.

Question 3

Fees & interest:

Accepted Answer

Zip Money is interest free if you pay off your purchases within the interest free period.
Standard interest rate of 25.9% applies after the interest free period.
The $9.95 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.

Question 4

Repayments:

Accepted Answer

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.

Question 5

Returns & refunds:

Accepted Answer

If your item meets Contiki’s cancellation policy, the purchase amount will be refund back to the customers bank account & it’s their responsibility to pay their Zip Account
Read more here about repayments, interest and fees for Zip Money.

Question 6

Terms & conditions

Accepted Answer

Zip PayMinimum 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.Zip MoneyAvailable to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Any balance 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. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).For full T&C please visit zip.co/terms

	For purchases up to $1,000	For purchases over $1,000
Account limit	Up to $1,000	$1,000 to $5,000 subject to credit approval from Zip
Interest free period	Always interest free	Annual rate of 25.9% on outstanding balance after interest free period expired
Set up fee	No set up fee	$25 - $99 (as Contiki are offering up to $5k account limits)
Minimum repayments	$40/month	$40/month or 3% of owing balance (whichever is greater)
Payment frequency	Weekly, fortnightly or monthly	Weekly, fortnightly or monthly
Account fee	$9.95/month where there is an outstanding balance	$9.95/month where there is an outstanding balance
Late fee	Learn more about Zip Pay late fees here	Learn more about Zip Money late fees here

Up To 6 Months Interest-free

What is Zip?

Nothing to pay today

Interest free

Flexible payments

Reusable account

Nothing to pay today

Interest free

Flexible payments

Reusable account

How Zip works

Apply now, and get a decision in minutes

Book your trip online or by phone

Zip pays Contiki on your behalf

You pay zip in weekly/monthly payments