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 96% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
I love the quick and convenient of just…
I love the quick and convenient of just tapping your phone
4 November 2025
Unprompted review
Reply from Zip AU
Hey Susan,
Thank you for taking the time to leave your feedback.
I'm so happy to hear that you're loving the convenience of your Zip account.
Have a great day!
- Olivia
Extremely helpful and convenient to use!
Extremely helpful and convenient to use!
30 November 2025
Unprompted review
Reply from Zip AU
Hi Steven,
Thank you for your kind words.
I'm so happy to hear that you're finding your Zip account so helpful!
Have a great day!
- Olivia
Very good service zip members I…
Very good service zip members I appreciate the team members
24 November 2025
Unprompted review
Reply from Zip AU
Hey Nitihanadan,
Thanks so much for the kind words! We really appreciate the feedback.
Have a great day!
- Olivia
Very easy to access and I don’t have to…
Very easy to access and I don’t have to worry about security when shopping online as you can use a one time card.
28 November 2025
Unprompted review
Reply from Zip AU
Hey there,
Thank you for your kind words!
I'm so happy to hear that you are finding your Zip account easy and safe to use.
Have a great day!
- Olivia
I love zip
I love zip, it is so easy to use, and being able to see your balance is great.
22 November 2025
Unprompted review
Reply from Zip AU
We’re thrilled to hear you’re finding Zip easy to use, and that being able to keep an eye on your balance is helpful. - Katie
Need a better way to be able to up your…
Need a better way to be able to up your limit other then that been a good experience
8 October 2025
Unprompted review
Reply from Zip AU
Hey Barry,
Thanks so much for your feedback.
I'd love to have a further look into your account if you could please complete the below form.
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382023
- Katie
Happy with the my zip and better than…
Happy with the my zip and better than our bank we were with ,we can see what we are spending and notifications on this are great don’t need receipts only for tax purposes but happy for but can I use this like after pay
26 November 2025
Unprompted review
Reply from Zip AU
Hi Martin,
That's excellent feedback
We're thrilled to hear that Zip is giving you the transparency and control you didn't get from your bank. Seeing your spending and getting those notifications really is a game changer
If there is anything we can do better to change your review to 5 star next time, please let me know :)
Have a great day :)
-Joseph
Lindsay is amazing
Lindsay is amazing! Thanks for making a stressful situation a little smoother! Merry Christmas!!
25 November 2025
Unprompted review
Reply from Zip AU
Hi Caitlyn,
Thanks for your lovely review. Lindsay was really happy to see your review as well. We appreciate your feedback :)
If you would like to get any further assistance, please reach out to us. Our Customer Care team is happy to assist you anytime :)
Have a great day
-Joseph
I have been with Zip for many years 5+…
I have been with Zip for many years 5+ and have really enjoyed the freedom to utilise the credit facility, always helpful and great communication when anything changes. I highly recommend Zip for your purchases and opportunity to shop with a great range of companies. Thank you Zip and the Team.
26 November 2025
Unprompted review
Reply from Zip AU
Hi Grant!
Thank you so much for taking the time to share your incredible experience with Zip! :) We are thrilled to hear that you have been with us for over 5 years and that you've been enjoying the freedom and flexibility of your Zip account.
Your kind words about our team's helpful and great communication really mean a lot to us. We strive to make sure every customer experience is a positive one, and we are delighted that you highly recommend Zip!
Thank you again for your long-term loyalty and support. We look forward to many more years of helping you shop smarter!
- Savannah
It is very helpful in emergency cases I…
It is very helpful in emergency cases I just simple loving it !
26 November 2025
Unprompted review
Reply from Zip AU
Hi Alejandra!
Thank you so much for your five-star review!
:) We are so glad to hear that Zip is able to be there for you when you need it most, especially in emergency cases.
We are dedicated to providing a simple, reliable, and helpful service, and knowing that you are "just simple loving it" is the best compliment we could receive!
Thank you for choosing Zip! :)
- Savannah
Reply from Zip AU
Hi Dishan,
Thanks for your lovely 5 star review.
Have a great day :)
-Joseph
I am so grateful for using the zip…
I am so grateful for using the zip credit card, it’s really helped me for all I need including paying my bills and emergency payments
It’s better than ATM cards
I love it 😍
Thank you so much.
20 November 2025
Unprompted review
Reply from Zip AU
Hey Adhel,
We are extremely grateful to hear that Zip has been there to help you out with everything you need! It's fantastic to know you love it and we appreciate the love! 😊
- Amirah
Great financial resource
An easy way to help manage the ups and downs of billing and purchasing safe secure and easy
20 November 2025
Unprompted review
Reply from Zip AU
Hi Richard,
Thanks for your lovely review. We are pleased to hear your experience with ZIP.
Have a lovely day :)
-Joseph
Reply from Zip AU
Hey Amitkumar!
Thanks for your 5-star review. I'm pleased to hear you found shopping easy and loved the flexible repayment options.
- Jenny 💜
Locked my account for no reason
Locked my account for no reason. Then refused to unlock it when I questioned them about it. Said it was due to “financial issues” but I have no problem paying the repayments. I had a limit of $4,000 and apparently now I can’t afford the repayments. Absolute joke I had it for back up incase I needed food or petrol and now its locked and unusable.
13 November 2025
Unprompted review
Reply from Zip AU
Hi Jaz,
It is disappointing to hear you've had a poor experience with Zip, however, we appreciate your review as we are committed to always improving for our customers.
So I can look further into this, can you please provide your details in the form link below
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360014107315&tf_description=REF:382022
Once received, I will be able to securely access your account and correspond with you via email
-Joseph
Convenient and big financial help
Moving into my new home this has been super handy to purchase furniture and other items without having to wait and save. Apps easy to use too, no hassles so far
16 November 2025
Unprompted review
Reply from Zip AU
Hey Sam,
Thanks for sharing your experience! I'm really glad that your Zip account has been helpful during your move and made furnishing your new home easier. Great to hear the app’s been smooth for you too. We appreciate you choosing us!
- Olivia
Money lend
I love this app whenever I have no pay or no money in my account this would works into my shopping groceries sometimes…
10 November 2025
Unprompted review
Reply from Zip AU
Hey Simar,
Thanks for your feedback! We’re glad to hear that your Zip account has been helpful when you’ve needed a little extra support for everyday essentials.
Have a great day!
- Olivia
Reply from Zip AU
Hey Peter,
Thanks for taking the time to leave your feedback.
Please let me know if there is anything I can help you with by filling out the form below:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
Thank you,
- Olivia
I’ve been using zip for a few years now…
I’ve been using zip for a few years now and love the convenience of being able to get purchases straight up
8 November 2025
Unprompted review
Reply from Zip AU
Hi Lee!
It's fantastic to hear that you've been a loyal Zip user for a few years and loving the convenience of making your purchases right away. That's exactly what we aim for! :)
Thank you so much for sharing your positive experience, we truly appreciate your support!
- Savannah
Zip pay gotta love it!
This would have to be there with being one of the Best Buy now pay later off options around. It is widely accepted has great flexibility with your ability to repay and manage this yourself. The fact you don’t have to make a payment at the time of purchase is another advantage. Highly recommended.
12 November 2025
Unprompted review
Reply from Zip AU
Hi there!
Thankyou so much for leaving us such a thoughtful review!
We understand that when you're using a Buy Now Pay Later option, flexibility and ease of use are key, so it's fantastic to hear we're nailing those points for you.
Knowing you appreciate the no-upfront-payment feature and the ability to manage repayments yourself is wonderful! Let us know if we can help with anything in the future :)
- Savannah
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