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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Zip is wonderful.
Zip is wonderful.
One of the best if not the best credit company in Australia.
Very reasonable if you get behind in your payments.
Keep on keeping on Zip co.
14 April 2026
Unprompted review
Reply from Zip AU
Hi Jenni,
Thank you for sharing your experience and kind words with us. We're glad to hear Zip has been smooth for you to use. Feel free to reach out to us anytime.
Have a wonderful day!
- Johny
Doubled Repayments without Notice
This month Zip.Co has changed repayment schedules and have Doubled the amount they are taking via Direct Debit without notification to customers. Zip Customer service argue this was communicated in March but it was not, changes were communicted but no mention of this change. This preditory behaviour in an uncertian economy is not only concerning but debilitating to customers. I have lost trust in this company to do the right thing.
7 May 2026
Unprompted review
Reply from Zip AU
Hi Jared,
Thanks for taking the time to provide your feedback.
We aim to provide clear communication and transparency regarding all account adjustments, and we are sorry that this was not your experience.
We understand how unexpected changes to your budget can be stressful, especially in the current economic climate.
We would appreciate the opportunity to review your case and address your concerns regarding the notification process. Please contact us directly at https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:2044
So we can investigate this further and assist with your account.
-Jessie
Impeccable Service
My assigned Customer Service Rep Tayla provided prompt, professional and efficient customer service. My query was completed sooner than I had thought and with kindness and understanding.
5 May 2026
Unprompted review
Reply from Zip AU
Hi there,
Thanks for your 5 star review!
We are thrilled to hear that Tayla provided such efficient and professional service. I’ll be sure to share your feedback with Tayla—she’ll be so happy to hear it!
Thanks again for your support.
-Jessie
My experience is very good
My experience is very good. The help desk is very helpful to inquiries I acquire. Thank you very much for accepting my application. All the best.
5 May 2026
Unprompted review
Reply from Zip AU
Hi Gema,
It’s great to hear you’ve had such a positive experience. I’m glad the help desk has been supportive and able to assist with your enquiries, and that everything went smoothly with your application.
Thanks again for your kind message and well wishes.
-Joseph
Great way to spend your money through…
Great way to spend your money through zip pay without traces to tax office bills.
4 May 2026
Unprompted review
Reply from Zip AU
Hi there,
Thanks for your feedback. Zip is designed to help customers manage their spending responsibly, and we encourage everyone to utilise their account(s) in line with applicable laws and personal financial obligations.
If you have any questions about how Zip works, we’re happy to help. Feel free to reach out anytime.
- Johny
Too many issues
Don't assist with unknown transactions. Closing an account they make the monetary balance just off by a few cents so that you cant close the account yourself.
There was additional payment taken from my bank account for my fully paid up to date Zip money account for no reason and has still not been deposited into my account after week's of trying to sort all these issues out.
3 May 2026
Unprompted review
Reply from Zip AU
Hi Amanda,
I am incredibly sorry to hear that your experience with Zip has been so frustrating.
We are constantly working to refine our processes, and honest feedback like yours is vital in helping us identify where we need to improve. Please know that your concerns will be shared with our internal teams.
If you would like us to investigate this matter further, please complete the request form here:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:382022
- Amirah
The customer service was excellent.
The customer service was excellent.
The matter was solved very quickly.
30 April 2026
Unprompted review
Reply from Zip AU
Hi Berniece,
We really appreciate the feedback!
Providing efficient and helpful support is a top priority for us, and it’s great to know we met that standard for you.
Please don't hesitate to reach out if you ever need anything else.
- Amirah
They kept asking for money
They kept asking for money and I knew I had finished paying off the frig. It was $400 and I paid 4 $100 payments on time. They asked for more so no more money in the account and I blocked them. Not fair if you are a struggling Aussie and facing these leeches!!
1 May 2026
Unprompted review
Reply from Zip AU
Hi Sue,
I am very sorry to hear about the frustration this has caused you.
We definitely want to ensure you aren't being overcharged.
Often, even after the purchase amount is paid off, there may be a monthly account service fee or interest if the balance wasn't cleared within the interest-free period.
However, we want to look at your specific case to make sure no errors were made.
Please complete the link below so we can review your account:
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:382022
I hope to hear from you soon.
- Amirah
Amazing app
Amazing app, Allows you to use it everywhere you would use a normal card. Incredible payment plans to pay back what’s owed
1 May 2026
Unprompted review
Reply from Zip AU
Hi Eliza,
We really appreciate the 5-star feedback 💜
Thanks for highlighting our 'use everywhere' feature and our flexible payment plans. We’re thrilled to have you using the app!
- Amirah
I am disgusted and on the war path..i…
I am disgusted and on the war path..i have an agreement in writing with zip to pay back a certain amount...last sunday $80 was taken unlawfully and refunded and atleast another $250 was deducted in the last few days outside of the agreement. I have sent several emails and tried to call several times but cant get through and nobody is responding..this is theft ..do i need to go to the police to make a formal complaint?..refund this money immediately or ill close all accounts and cards so zip dont get a cent. And these idiots reply on trust pilot they want to get my payments right and to click on the link..how about you check the multiple complaints and emails ive submitted first before you ask me to click on that link..and the link you asked me to click on doesnt open...i have just rung and was advised the money stolen would not be refunded as the agreement didnt go through..even though i have it in writing the agreement which you have broken and have already refunded $80 on monday last week..if the agreement didnt go through why refund the first $80?.you are not smart enough to realise that once an agreement is in writing you have to honour it..i have made an offical complaint to AFCA ..they will be in touch and i will be closing all bank accounts and getting new cards and card numbers so you cant steal my money..this is theft and since you keep debiting my card and refused to pay this back i have every right to take steps to stop you from debiting my account unlawfully . I will also be making a police complaint
You will not get a cent now as the money you refused to refund.
1 May 2026
Unprompted review
Reply from Zip AU
Hi Troy,
I am deeply sorry and sincerely apologise for the stress and frustration this has caused.
We take feedback very seriously and want to make this right and ensure your repayments were deducted correctly.
Please complete the form at the link below so we can locate your account and investigate this further for you.
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360007286675&tf_description=REF:382022
- Amirah
Best alround experience
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 point as a ‘credit card’ better used. Keep up the great job.
1 May 2026
Unprompted review
Reply from Zip AU
Hi Adam,
Thanks for sharing your feedback with us! We're glad to hear Zip is easy to navigate, we've put a lot of focus into making the user experience smooth and reliable, so this means a lot to the team.
Reach out to us anytime.
- Johny
The tone of conversation
The tone of conversation, there was genuine sincerity when asking how can I help you. I new that my issue was being resolved effectively
29 April 2026
Unprompted review
Reply from Zip AU
Hi Robyn,
Thanks for your kind words and sharing your experience. We're so glad to hear this.
Providing genuine support is really important to us, so it's great to know you feel heard and that your issue was resolved effectively. Please reach out to us anytime!
- Johny
Ridiculously slow service
Absolutely so slow to reactivate an account. I closed my own account two years ago because I didn’t need it anymore. I wanted to reopen due to very high vet bills for my dog I want to spread out and it’s taken 8 working days so far and still nothing. I have an impeccable credit history. I may as well have gotten a credit card. Insanely slow service.
30 April 2026
Unprompted review
Reply from Zip AU
Hi Roberta,
I'm really sorry to hear about your experience, especially when you're dealing with unexpected vet bills. I can understand how important it is to have timely access to support you in situations like this.
Reapplying for a new account can sometimes take longer than expected, as we conduct a full review to ensure things are up to date and current, but I can understand the timeframe can be frustrating and is not the experience we aim to provide.
Please reach out to our team via the app or email via the link below so we can provide you with an update on your application.
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
- Johny
Easy to use and I like that you can…
Easy to use and I like that you can adjust repayment options and date
30 April 2026
Unprompted review
Reply from Zip AU
Hi Karin,
Thanks for sharing your thoughts. It’s great to hear you’re finding Zip easy to use and that the flexibility around repayment options and dates is working well for you.
I really appreciate you taking the time to leave a review.
Have a great day :)
-Joseph
My problem was fixed by a very…
My problem was fixed by a very efficient operator, who was very courteous and was helpful with my queries.
25 April 2026
Unprompted review
Reply from Zip AU
Hi Trevor,
Thank you so much for your 5 star feedback!
We’re thrilled to hear our team was able to resolve your problem so efficiently. We pride ourselves on providing helpful, courteous service, so we will be sure to pass this onto the team.
Thanks again for your support!
-Jessie
Reply from Zip AU
Hi there,
Thanks so much for providing your 5 star review :)
We work hard to ensure our platform is both user-friendly and convenient for our customers.
Thanks again for your support!
-Jessie
Zip pay is so much better than Afterpay…
Zip pay is so much better than Afterpay I was a Afterpay user until they started doing dodgy stuff and taking money out way before my deadline! But with Zip pay it’s so much convenience and app is very detailed and easy to use. If you’re still not with Zip you don’t know what you’re missing! Thanks Zip
19 February 2026
Unprompted review
Reply from Zip AU
Hi there,
Thanks so much for your 5 star review!
We’re so glad you are enjoying the convenience and transparency of the Zip app.
We believe our customers should always feel in control of their money, and it’s great to hear you’ve found that with us.
Thanks again for your support.
-Jessie
Zip is Great
Zip is exceptional, you can use it everywhere. It has tea saved me. Thankyou to Zip
23 April 2026
Unprompted review
Reply from Zip AU
Hi there,
Thank you so much for your 5 star review!
We are thrilled to hear that Zip has been such a helpful tool for you. We're always here to make things a little easier whenever you need us.
Thanks for your support!
-Jessie
Zip Au any time everywhere!
Zip Au gives me more control and flexibility with payments, really practical, I can use everywhere and anytime I need it.
22 April 2026
Unprompted review
Reply from Zip AU
Hi Janette,
Thanks for your 5 star review!
Our goal is to give you total control and flexibility over your finances, so it’s wonderful to know that Zip is hitting the mark for you.
Thanks for your support.
-Jessie
The operator provided excellent…
The operator provided excellent assistance and demonstrated a high level of professionalism.
21 April 2026
Unprompted review
Reply from Zip AU
Hi there,
Thank you so much for your kind words!
We are thrilled to hear that you had such a positive experience.
Providing professional and helpful service is our top priority, and I’ll be sure to share your feedback with the team 💜
- Amirah
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