Zip Money

Very useful service - easy to use and helpful. Worth a thought if you are planning some expenditure - large or small.

I'm using zip since very helpful and easy to use I recommend it to customers Show reply

Quick and easy – So quick and easy. Excellent terms and conditions. Love love love ZIP. Thank you. Show reply

Zip Money offers users a handy platform for when needed I have had occasions when an appliance has stoped working and needed replacing and Zip Money was useful to replace the item quickly. Very happy with this service. Show reply

I have been using ZIP for a few years now & find it incredibly stress free, undemanding & easy to use plus I love the freedom ZIP offers customers to personally choose when (eg. date) & how much (eg. amount) + timeframe (eg. weekly, fortnightly, monthly etc) they would like to make repayments over time. This is simply amazing & such a great… Read more ·  1

advantage for anyone to choose ZIP. ZIP is defiantly the best "buy now pay later" option available. I appreciate how ZIP don't hound you aggressively like others & show you respect at all times. If you show them the same respect & pay in a timely manner they increase your credit as a reward if you need an increase over time. I will be sticking with ZIP for as long as they will have me. Thank you

Great customer service by my case officer Amanda! Zigi the AI was very helpful and I can only thank the team in Zip for sorting my inquiry! Excellent customer experience ! Show reply

I’ve had a really difficult few years. First, I developed Guillain-Barré Syndrome (GBS) and was paralysed, having to fight my way back to being able to walk again. Then my ex-husband suffered a heart attack, and shortly afterwards, we separated. I’m now a single mum raising two boys, and I’ve had to leave my family home and start again. I’m doing… Read more

everything I can to get back on my feet and rebuild my life.

I have evidence to support everything I’ve been through, but unfortunately, that doesn’t seem to be enough for Zip Pay/Money. They still want their money, and they want it immediately.

I understand that repayments have to be made, and I’m doing what I can to meet my obligations. But hardship isn’t something you can always predict, and sometimes you simply can’t afford to pay what you normally would.

What concerns me is that even when you are making payments you can afford, they can still overdraw your account when the full repayment isn’t available. That can make an already difficult financial situation even harder.

If you’re considering using these services, just be careful and make sure you understand what can happen if you experience financial hardship. It’s easy to use these services when everything is going well, but when life changes unexpectedly, the consequences can be incredibly stressful.

i had a dispute due to the merchants error and the dispute team at ZIP were so professional and extremely helpful. This was sorted within weeks with very good communication from the ZIP team keeping me informed if the progress

My situation was efficiently resolved and your customer service person was delightful however it was rather frustrating to be on hold for over 40 minutes before I was able to speak to them

The zip team were amazing! I had an exclusive account for one merchant only. The team were able to fix this with a quick turnaround so I could make my purchase before the product promotion ended. Highly recommend. Show reply

I love being able to afford things that I want, and can pay it off with my Zip pay. I have been so lucky to be able to afford emergency payments with Zip pay. I just want to thank you for all your help with Christmas and grandchildren’s birthdays. I have had been a customer for many years and I do not know what I would do without your payment plans being so affordable. Show reply

ZIP Money is the best card I’ve ever had. So easy to manage payments on the app and it’s updated in real time. It’s easy to pay early and make extra payments to keep ahead of my budget. Show reply

Good option if one is looking for quick payment options payable at a short period ( alternative options are provided as well) very pleased with the promptness of Martin and team. Show reply

Handy product. If you have any problems they are easy to contact, the staff listen well and will give you the answers quickly. In an easy to understand manner. Also have a range of repayment options. First class Show reply

I’ve had a really positive experience with Zip Pay. It’s convenient, easy to use, and makes managing everyday purchases and unexpected expenses much easier. I also find the app simple to navigate and the repayment options flexible. Overall, I’m very happy with Zip Pay and would definitely recommend it to others! 5/5 Keep up the good work Show reply

I’ve had an excellent experience with Zip Money. It’s easy to use, convenient, and very helpful for managing larger purchases and payments. The app is simple to understand and everything works smoothly. I’m very satisfied with the service and would recommend Zip Money to others. Show reply

I had issues due to a bank account changing so I called zip and had a lovely girl called Jaime and English speaking as well problem was resolved quickly with no issues wait time was a factor but that's all help lines. Show reply

I had the best assistance and help from James who clearly explained the process and procedure of my issue. He was very clear and concise with his explanation and very easy to hear and understand without any confusing terminology. It didn’t even sound like he was reading off a script, he knew exactly what was needed to be done, thanks again James. Show reply

Words can’t tell how I feel about ZIp pay. It’s a life saver when credit is so hard these days to secure. No interest and no monthly small fee if balance is cleared by month end or you vary to a repayment as low as $40 /m mth. My suggestion is to pay a little each week of any funds you have left and you shall find those funds on your account to… Read more ·  1

spend again when needed. The app is so easy to use and your virtual visa card can be used directly or on Apple pay/ Google pay/ Paypal you name it. It’s a must get as a back up and enjoy the benefits.

ZIP MONEY AUSTRALIA REVIEWS: Warning About Hidden Fees, Interest and Deceptive Tactics I am sharing my experience to protect the Australian community from Zip's deceptive practices. Before using this service, I explicitly did my due diligence and called their team to confirm there would be NO hidden fees or interest charges. I was assured there… Read more

were none.

Verbal communication and corporate transparency are just as legally and ethically binding as any document. However, Zip completely omitted the real costs during that initial phone call to secure my sign-up. This is a deliberate tactic: they rely on an intentionally overwhelming volume of digital paperwork so that everyday people cannot read through it all, burying the trap where no one can easily see it.

I discovered the shocking reality of how they stack up hidden charges. On top of my regular monthly payment of $230, they are charging me an extra $37 in interest PLUS an additional $10 monthly account fee. This means I am being forced to pay nearly $50 extra every single month on top of my agreed payment. While I was aware of the standard $10 monthly fee, I was strictly assured that interest would only apply as a penalty if I missed a payment. Instead, they are charging me massive interest even though I pay perfectly on time every single month.

To make matters worse, their customer service is a nightmare. Their automated system claims a standard 15-minute wait, but I was forced to wait on the line for exactly 38 minutes just to get a human to answer, not including the lengthy conversation that followed just to be completely dismissed.

When confronted via email, their resolution team hid behind the "fine print" and completely ignored the fact that their representative misled me over the phone. They even tried to quiet me down by offering a mere $100 goodwill credit to sweep this under the rug, which I accepted strictly under protest, but it does not cover the ongoing financial damage caused by their lack of transparency.

Hiding life-altering interest fees and monthly account fees in walls of text while omitting the truth on sales calls is an absolute ethical failure. Furthermore, this crucial information about extra fees, high commissions, and ongoing monthly charges is nowhere to be clearly found in their public marketing, their mobile applications, or their website—all of which I audited thoroughly before making my initial call.

The actual breakdown of this trap is buried at the very bottom of a welcome email in a font so incredibly small that it is barely readable and nearly impossible to understand. They write it in a highly manipulative and confusing way so that people believe that if they pay on time, they will not face interest fees. The dark reality is that even if you pay flawlessly on time every single month, they will still stack up and charge you these massive interest fees regardless.

If Zip’s management and executive team want to prove they have any corporate integrity left, they need to acknowledge the deceptive design of their documentation and waive these unfair interest charges and fees immediately.

Until then, I will not only ensure this specific review stays highly visible across all Australian consumer platforms, but I will also continuously post additional reviews and comments across different forums and social networks to make sure the public remains fully informed about how this company operates.

POTENTIAL CLIENTS:

DO NOT TRUST WHAT THEY PROMISE YOU OVER THE PHONE. LOOK AT THE REAL NUMBERS BEFORE YOU SIGN UP.

PLEASE DEMAND FINAL, REAL NUMBERS OF EXACTLY WHAT YOU WILL PAY MONTHLY. DO NOT SIGN ANYTHING, DO NOT ACCEPT ANYTHING WITHOUT HAVING THIS. YOU WILL THANK ME LATER.

Get rid of your high interest rate credit card and sign up to zip today! Accessible at all stores that has mastercard &visa, affordable and so manageable from your apple wallet! love zip!!! Show reply