I had an account 11 years ago to buy university books. I was struggling to pay the last book and I delayed unfortunately the payment, however it has been paid in full even if late. The result was they close my account. I tried again to reopen a new account and even after 11 years they declined the application saying “Oh no! We cannot help you at… Read more
this time. Try again in 12 months”. The famous 12 months passed for 11 times! Be aware of payments when are due otherwise they will shut you down forever without giving you a second chance. I have a good credit score and my current credit supplier is extremely happy as I never missed a payment. It was just a temporary hard time 11 years ago and unfortunately they won’t give you a second chance ever! I wouldn’t recommend this company as they filing you in the black list for life
Excellent customer service and support provided by Johny who provided detailed information and resolved the issue in a timely manners. I trust on Zippay to help us managing our finances easily. Thank you Zippay Money and his team. Show reply
Just a bit faster in response waiting time on the phone, however staff are excellent, good clear communication and brilliant at problem solving for my issues. However a change I would like to see, if you book a scheduled payment for a date etc, if you make that payment early of that amount I thought the schedule payment would be cancelled out. But… Read more · 1
instead stays in place. ☹️ Is there a flick of a switch to change this programming system? I wonder. I like the reminders of the payment that is coming up so I don’t forget. I’m looking forward to doing an excellent review next time, keep up the good work. Thank you.
Reviews with attachments
Would definitely recommend this service to everyone , a wonderful experience Show reply
Flowers – Very good any thanks help me to much thank you Show reply
Loved – Great little backupZip is an excellent addition to my Apple wallet. Great for the day before payday when you need something Show reply
Helps out people who may just need to pay rent food petrol and bills – I think zip is good it helps people to pay bills , registration ,rent ,electricity ,petrol,groceries,shop on line, and give a friend gift money cards on zip in a email straight to there phone
Zip are fantastic, With my disability I’ve had assistance help,patience with my loans. Hospital bills make it hard to pay. Proof of hospital stays & coma Show reply
Very convinient and helpful to the person who tigth in budgeting, with low interest, highly recommended Show reply
I would stay away from Zip as far as I could. I was a customer years ago, paid off and closed my account and recently decided to reopen it, and that's where the issues started. I had to contact them because of the loop I was going in, and had to wait days for a response to be told try again. Have tried again, filled out the application and the… Read more
only thing I've received is an "Your application has been cancelled" email. No other details, no insights, no provide us with more information, just that it has been cancelled. I remember why I closed my account all that time ago. If you need this type of service, do yourself a favour and stay away from this company.
Hi there, Thank you for sharing your experience with… Read more
I have never had an inquiry and the only time I did all I kept getting is “we will get back to you”. No resolution. Completely useless. I will pay off my account and delete it. Avoid avoid avoid.
Hi Bev, This is disappointing to hear about this. I'd… Read more (+3 replies)
Latest follow-ups
ZIP have been a welcome alternative to bank finance; not only are they super efficient, professional, but understanding of consumer/customer needs when it comes to modern purchasing habits. I have nothing but praise for ZIP, the organisation and… Read more · 2
their staff, which has been developed over the past few years and the relevant purchase transactions. Strongly recommend ZIP to any potential new customers, looking for a win win situation when it comes to financing future purchases of a substantial nature.
Follow-up · I just purchased a $5000 ebike, using my ZIP credit on two accounts; while a bit tricky working the purchase across two accounts, it was done quickly and to the satisfaction of both the seller and buyer. It also helped that the seller was an approved seller with ZIP; again repayments are so flexible and can be adjusted to suit your individual seasonal circumstances.
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In all contacts that I have had with Zip Money the advice has been expertly dispensed a manner that I can understand. The staff are well versed in the system and there is no misunderstanding when dealing with them. I would not hesitate to recommend Zip Money to anyone that wishes the stabilise their money matters Show reply
Follow-up · All contacts I have had with Zip Money has been positive and the service I have been given is exemplary, and to this end I would have no doubt about recommending Zip Money to anybody that needs to manage their money
I’ve been a client of Zips for about 6 years. Like many pensioners I found it almost impossible to save sufficient funds to be able to improve my quality of life. When I approached Zip they extended me credit when the bank I’d been with for over… Read more · 1
40 years wouldn’t.
That has given me the confidence and financial flexibility to negotiate with retailers for quality products over cheap and nasty.
As I’ve proven to Zip to be financially responsible so my credit limit has increased.
I have no reservations recommending Zip,
Follow-up · I’ve now lost count of how many years I’ve been with Zip, but I’m still enjoying the peace of mind that comes with buying online using the single use Visa card facility meaning if someone tries to reuse it they can’t. It’s a brilliant system and I don’t know why Zip doesn’t promote it particularly to the elderly (like myself). By definition the… Read more
Positive reviews
Zip money works wonferfully. They are not too difficult to contact if you wait and they don't have an obfuscating bureaucracy. They always help out on the phone and try and make things clear. I would not have double glazing without them. Will be so warm this winter! Show 2 replies
I had to change my personal details(name) and I felt like I changed it myself! That's how quick the response from the customer services! Mr Anton thank you for you support Show reply
I have found everyone I spoke to or emailed at Zip Money to be friendly, efficient and knowledgeable. I felt like more than just a number, I felt like a valued client. Show reply
Negative reviews
This company is ripping consumers off. The strategy it to make due dates at in middle of the month so you’ll be paying fees after fees after fees. Be careful. When contacting them, they’ll listen but not provide solution. Not worth it.
Hi Jason, I’m sorry this has been your experience. We… Read more
If I could give a zero-star review, I would. Absolutely useless - the worst ever financial organisation I have ever dealt with. Shocking at communication and hopeless at providing information - when I'm trying to make a payment.
Hi Grant, I’m sorry to hear this and I understand how… Read more
Zip Money has failed to update the minimum payment scheduled which results in the account going into overdue every single payment. Multiple calls and emails have been unable to rectify this issue.
Hi there, we sincerely apologise for the frustration… Read more
Recent reviews
My zip is used to buy from online sites. When I am refunded due to returns by Temu it takes ages for the refund to go back and be counted as my available money on the zip app. I find this unfair and frustrating. Also when I pay the amount owing to zip down say three times a month I don’t see the app showing the available money accurately on my account. I think this is a huge problem. Show details
Hi Mary, Thanks for taking the time to share your… Read more
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My car insurance policy had increased, short notice I might add. I asked if I could delay my zip payment and they said yes. I was so relieved and happy. Thank you Zip Money Show reply
Account was put on hold by myself, simple email and account was fixed up and ready in less than 24hrs even through the holiday period! Can’t rate Zip and there service more highly Show reply
Could you please tell me how to generate a one off Zip MONEY single use card. If you try to do it in the app it generates an online Zip Plus card, not a ZIP Money card. This is for use at a non Zip merchant which is the only place you can use these according to your information.
Hi Hilary, Thank you for your feedback! We’d love the… Read more
Helpful but disappointed. I've been employed for the past 20 years and when I applied for ZIP MONEY I've been declined every time and I don't know why l. They don't explain it why you have been declined so yeah DISAPPOINTED
Hi Rodney, It is always our goal to provide a positive… Read more
Zip Money & ZipPay have been very useful for me to buy larger household items on a budget to pay off in installments. But if paying off earlier than scheduled dated payments be careful to click on the 'Pay Earlier' button or two payments come out of your bank savings, (the early payment and scheduled payment) & it takes about 2 days to get it… Read more · 1
reimbursed back into your bank which is hard if you're on a tight budget. Frustrating as it happened on a Friday but funnily enough the weekend means no bank transactions? Which is bull@#it! So banks close down transactions weekends or Zip Money too? So we wait for a working week to get refunded!? It sickens me that banks and businesses do that to us all!
Zip money helped me buying a much needed laptop and since this was my first time buying from then I had some questions in regards of making payments before getting charged interest. I was very lucky to have a promotion for 6 months interest free instead of 3 months. Zip Money allow you to pay extra and the best thing to do is to pay as much as… Read more · 3
possible during the interest free period. I would suggest to have a decent crerdit score and not having any credit applications on your credit file for at least 6 months, have your payslips ready and do the math before you apply.
One thing that I noticed, their website seem tolike only Google Chrome and not other browswer like Firefox. I had to manually provide my last 3 months of bank statements because my Firefox browser did not allow me to connerct my bank account to their servers for some reason but I am not complaining about this.
Angry that you don't have an after hours fraudulent line. I can not access my account because it's been hacked and yet there is no after hours number to call. Not good enough.
Hi Jess, Thank you for sharing your feedback. We… Read more
I am raped with both ZipMoney and ZipPay it helps me out when I am short of money and the repayment are easy for me to keep the best thing is that I can decide how much to repay there is no stress with repayments Show reply
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Hi Dom, I’m sorry to hear this and I understand why… Read more