Zip Money

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.

Best money app that’s transparent and easy to use ever

Sorting an attempted re-payment – Communication with Jenny was very timely, helpful, understanding and patient, especially considering i was asking about the wrong purchase, which we both sorted quickly. There is a Slight Bug/Glitch in the Installments platform, if you pay extra and… Read more ·  1

it is not a Full payment, you cannot pay anything extra or pay it out until the Part Payment owing is Automatically deducted on the Due Date "for me that was 3 months away as i am ahead on my payment plans and wanted a particular one out of the way". My work around was to transfer it to Flex and pay it out from there.., so all is as i wanted.

Best payment service ever, i always just add the odd $ amounts of my account at the end of the day, so if my balance is $324.19 i will pay the $14.19 or $4.19 into my zip account and so it feels like im never paying a bill 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.

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

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

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.

If i could give 0 stars i would, they are a bunch of theifs you pay what’s on your app then they try taking extra money out saying it was over due but it doesn’t say that on the app, luckily i dont leave money in that bank account cause i dont trust them to take extra money out, they have done it a few times and tryed a few times, please stay away from this company they are a bunch of theifs

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 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 Show reply

I had an outstanding experience with Jaime. She went above and beyond to resolve an issue I was having, and her customer service was truly exceptional. Jaime was not only professional and efficient, but also warm and friendly, making me feel valued as a customer. I couldn’t be happier with the support I received—thank you Jaime Show reply

The approval process was very fast and efficient, and the customer service team was professional, helpful, and responsive throughout the process. Much appreciated. Show reply

Extremely happy with ZIP Money services. Customer service has been excellent when needing to reactive my account after I personally deactivated it for a short while. Highly recommend ZIP !! Show reply

Bad system in place. I overpaid my account by $65. When I wanted to close the account zipmoney wouldnt close it unless I open a direct debit account for refund. I had always paid my account using other payment methods and without using direct debit. zipmoney forced me to open a direct debit account as they refused to close the account unless I… Read more

open a direct debit account for refund. This is pure abuse of power, its unfair and unjust. Refunds ought to be paid in other ways rather than force a customer to open a direct debit account which they dont need or want. Awful service. I dont recommend them at all.

I’ve just transferred across to Zip Plus & it’s made life a lot easier. You know yr minimum payment and it’s easier to use the credit card facility. I have a Zip Money account also, however, I’m now paying that down so I just have the zip plus account with a manageable limit. Show reply

⭐️⭐️⭐️⭐️⭐️ Outstanding Experience with ZipMoney – Made Something Special Possible I honestly can’t speak highly enough about my experience using ZipMoney. I recently purchased a high-end gaming PC for my son — something I wouldn’t have been able to comfortably afford upfront — and ZipMoney made it possible without stress or pressure. The… Read more ·  1

approval process was quick, simple, and very transparent, which gave me confidence right from the start.

What really stood out to me was the flexibility. Being able to spread the payments over time meant I could give my son something he truly loves, without putting financial strain on our household. Seeing how excited and grateful he was when the PC arrived made it all worth it — and that moment is something I won’t forget.

The platform itself is easy to use, repayments are clear, and everything is managed smoothly through the app. There are no hidden surprises — just a straightforward and reliable service.

ZipMoney didn’t just help me buy a product — it helped me create a really special moment for my family.

I would absolutely recommend ZipMoney to anyone looking for a smart and manageable way to finance bigger purchases.

They excellent people to work with and understand my needs that I need to accomplished while working in with them I would recommend zip to any one just so easy to work with. Show reply

I bought a gift card called department but was not able to use it at Kmart. When requesting actual stores all I could be provided with was a category called department so I still don't know where I can use it. Requested a refund denied

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… Read more ·  1

you make that payment early of that amount I thought the schedule payment would be cancelled out. But 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.