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 personal loan
Zip personal loan was very helpful to me when I needed it financially. They do helped me a lot and a hassle free application.
My only problem now is how to open a new personal loan which I haven’t done since I have already paid off my balance. The account specialist haven’t replied to me yet until now.
8 January 2026
Unprompted review
Reply from Zip AU
Hi Paolo,
Thank you for sharing your experience.
We’re so glad we could provide a hassle-free experience for your first loan. Congratulations on paying off your balance!
We apologise for the delay in hearing back from our team 🙏
Please fill in the form from the link below—we’d love to take a closer look at this for you 💜
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382023
-Amirah
I am so happy with zip
I am so happy with zip , I wish it had a 2000 limit but other than that I’m very happy
26 January 2026
Unprompted review
Reply from Zip AU
Hi Karlene,
Thank you so much for the 5 Star review!
We are thrilled to hear you're happy with Zip.
Regarding your credit limit, we definitely appreciate the feedback! We regularly review accounts for limit increases based on a few different factors, so keep an eye on your app for any future offers.
Thanks again for your support.
Jessie - Zip Customer Care Team
Reply from Zip AU
Hi Dashlane,
Thanks for your review. We are pleased to hear that Zip helps you manage your finances.
If you have any enquiries, please reach out to us.
Have a great day
-Joseph
I can’t think of a better card or…
I can’t think of a better card or lender through my own personal experience that is so easy and helpful to deal with if you have any issues at all, for example I got ripped off by one these places that advertise on the Internet, I never received the product & zip refunded me the money within 24hrs of me contacting them & explaining what happened I couldn’t believe how easy friendly & understanding they were. I would highly recommend them & their services to anyone looking for a credit card or loan whatever it is you’re looking for if zip have it I would definitely use them & look no further.
21 January 2026
Unprompted review
Reply from Zip AU
Hi Paul,
Thank you so much for taking the time to share your experience. We’re really glad to hear that our team was able to support you quickly and make the process easy during a stressful situation.
Providing friendly, understanding, and efficient service is very important to us, so your feedback truly means a lot.
We appreciate your recommendation and your trust in Zip.
Have a great day :)
-Joseph
Reply from Zip AU
Hi Jo,
Thanks for the 5-stars! We’re thrilled to hear you had a great experience with our team.
Enjoy the rest of your week 💜
-Amirah
Very helpful and efficient and always…
Very helpful and efficient and always improving!
21 January 2026
Unprompted review
Reply from Zip AU
Hi Stephanie,
We really appreciate the feedback! Efficiency is a top priority for us, and we’re glad to hear we’re hitting the mark.
Thanks for being part of the journey as we continue to grow! ✨
-Amirah
I’m very happy using Zip
I’m very happy using Zip, being on a pension things can get tight so it’s nice to know I have the availability of a little extra money where I need it. I like the app just the way it is, I can pay early, increase my payments and generally have had no problems with getting speedy replies to my messages. Thank you Zip Pay
21 January 2026
Unprompted review
Reply from Zip AU
Hi Carole,
Thank you for such a lovely review!
We are so pleased we can provide that extra bit of availability when you need it most. It's great to hear the app and our support team are working well for you.
Thank you for being such a valued customer 💜
Wishing you a wonderful week ahead!
-Amirah
I experienced a system update error…
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 difficult to get the necessary clarification or confirmation through emails. Therefore, I called Zipcare, and Amirah was able to resolve the issue within a few minutes. I have now accepted the contract.
14 January 2026
Unprompted review
Reply from Zip AU
Hi Rajkumar,
Thank you so much for sharing your feedback!
We are delighted to hear that Amirah resolved your issue so quickly. We truly appreciate your support, and I’ll be sure to pass your kind words along to her—she’ll be thrilled to hear them.
- Jessie Zip Customer Care Support
Simply the best out there
Simply the best out there, great service all round from Zip.
18 January 2026
Unprompted review
Reply from Zip AU
Hi Paul,
Thanks for taking the time to provide your 5 star review.
We take great pride in our service, and we’re so glad to hear the Zip team hit the mark for you.
We appreciate your ongoing support.
Jessie - Zip Customer Care Team
I dnt dislike Zip however
I dnt dislike Zip however, my problem is how "forever" they take to answer a call, which is "all the time" and, if you want to push a payment up, they claim you can tap into their payment section, scroll down n mk a change to the date but they don't and, its quite annoying because they wind up zapping a late fee on you! Thanks ZIP for your very low attendance in providing great customer service because it sucks!
12 January 2026
Unprompted review
Reply from Zip AU
Hi there,
We are deeply sorry for the long wait times and the trouble with the app.
We understand how frustrating a late fee is when you've tried to move a payment.
Thank you for your feedback, as it gives us a chance to improve our service.
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=4440042167311&tf_description=REF:382022
Once received, I will be able to securely access your account and correspond with you via email
-Joseph
M very glad but lots of time try to…
M very glad but lots of time try to upgrade limit can u do pls
13 January 2026
Unprompted review
Reply from Zip AU
Hi there,
Thanks for your 5 star review.
We can review your enquiry request further, please fill out the form below
https://help.zip.co/hc/en-us/requests/new?ticket_form_id=360013183676&tf_description=REF:382022
Once received, I will be able to securely access your account and correspond with you via email.
Have a great day :)
-Joseph
Easily able to use the service
Easily able to use the service. And the rates are pretty damn good for the convenience. very flexible in how payments work.
12 January 2026
Unprompted review
Reply from Zip AU
Hi there.
Thank you so much for your kind review.
We’re thrilled to hear that you found the service easy to use and that our payment flexibility hits the mark for you.
We aim to make things as convenient as possible, so it’s wonderful to know we’re succeeding.
We appreciate your support!
Jessie - Zip Customer Care Team
Easy app works for me I use it for…
Easy app works for me I use it for everything from shopping, and bigger purchases available for me as I don’t have a lot of money but this app makes it possible to buy stuff that I never could afford excellent app!
11 January 2026
Unprompted review
Reply from Zip AU
Hi Anthony,
Thank you so much for the 5-star review! We’re thrilled to hear that Zip makes it easier for you to manage everything, from everyday shopping to larger purchases. It’s great to know the app is helping you get the things you need. We appreciate the support 💜
-Amirah
I have had zip for years and it’s quick…
I have had zip for years and it’s quick easy simple. I love it
7 January 2026
Unprompted review
Reply from Zip AU
Hi Glenarvon,
We are pleased to hear about your experience while using ZIP for years.
Have a great day :)
-Joseph
Friendly efficient service Probkrm rectifier and my…
Friendly efficient service and my problem was promptly rectified .
5 January 2026
Unprompted review
Reply from Zip AU
Hi Mayanne,
Thank you for sharing your experience. We are delighted to hear that your customer care team was able to resolve your enquiry promptly.
Please reach out to us if you have any further enquiries.
Have a great day :)
-Joseph
Reply from Zip AU
Hi Jennifer,
Thanks for your lovely review :)
-Joseph
Best card ever
Zip card had been very very helpful , gives more takes very less . Thank you - regards - Shailendra Sharma
25 December 2025
Unprompted review
Reply from Zip AU
Hi Shailendra,
Thank you so much for the kind words! We are so happy to hear that your Zip Visa card has been a helpful tool for you.
Thanks for being a valued customer 💜
-Amirah
Thank God for Zip Pay
Thank God for Zip Pay. It has helped me immensely with unexpected vet bills.
Thank you sooo much Zip Pay 🤩🤩🤩🤩
24 December 2025
Unprompted review
Reply from Zip AU
Hi Margaret,
Thank you so much for the kind words! We’re just glad we could help you manage those vet bills when you needed it most.
Sending lots of love to you and your pet 🙏💜
-Amirah
since I been with you kind people I…
since I been with you kind people I never had any issues you are always on time with supportive payments are going great I’m very happy an I stay with yous for a very long time I’m so happy that when I shop I can’t always count on my zips thank you all judith
1 January 2026
Unprompted review
Reply from Zip AU
Hi Judith,
Thank you so much for the kind words!
We’re thrilled to hear that everything is going great and that you can always count on us. It’s customers like you who make what we do so rewarding.
Happy shopping!💜
-Amirah
Reply from Zip AU
Hi Raman,
Thank you so much for your kind words. So happy to hear this! We love making things easy for you.
Wishing you an amazing New Year’s celebration and a brilliant 2026!
-Amirah
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