Zip AU Reviews 

Really helpful in times of need

I went to signup for Zippay but I accidently entered 0 for my income and it doesn't allow me to edit it with the correct amount so zippay has declined my application and now banned me from reapplying for 12 months.

Recommend avoiding them until they fix their website data entry form.

Zip pay is prompt when answering to questions and their service is great
Easy to use

Love Zip. It’s practical and helpful.❤️❤️❤️

I love zip! So easy to use, rarely get charged interest and fees are very reasonable. Helps me to get ahead and is there as back up in times of need. Thankyou! For some reason I can’t get a credit card from a bank so I’m most grateful for this!

Love Zip! use it for my skin care products

I had an issue with an order being cancelled by zip, but they would not issue a refund of my payment. They stated that the merchant had to do that, but the order was never placed with the merchant so they have no record of it. So my money is STILL in limbo somewhere. So Zip works until it doesn't! Do NOT expect them to fix an issue, customer service will only send you "scripted responses" with no real interaction. They will not answer your question directly with any thought or investigation.

Great communication

Very happy customer

I received ph call from lady claiming to be telstra employee,she gave me her name and checked it out and said she was telstra employee so it seemed legit, she told me someone had accessed my ip address and she wanted to check my zippay account for fraudulent activity so she told me to download app called anydesk which servers will use to check out my accounts so I downloaded app and opened my zippay app,it's was than my ph screen starting moving with out me touching it,I questioned her on why it was happening and she said it's the server checking it out and not to worry,she said server has found gift card has been purchased and asked if I had purchased a gift card recently to which I said no,she told me to search for gift card called his so I did,when I found it the screen started moving again without me touching it,she than told me my account had been locked and I needed to hang up and call zippay and ask them to unlock my account and that she would call me back,I tried to call zippay but they had closed for the day,so I tried to call the number she called me on but it wouldn't work,that's when alarm bells went of,I quickly checked my bank account a $1000 payment had been made, called bank and had card cancelled and account locked,I than checked my zippay and noticed a $500 gift card purchase which I did not authorise,while speaking to comm bank fraudulent investergators they told me that anydesk is why your screen was moving as it was the scammer doing stuff on your phone,while talking to employee of zippay about the purchase dispute he asked me questions that I had to reply yes or no to,it became quiet clear from the questions asked that zippay was quiet aware of people claiming to be telstra employees scaminig customers by purchasing gift cards on there accounts ,they are holding me responsible for the $500 gift card,my problem is if they knew about the scam than why didn't they warn there customers via email because if I had of been warned I would of hung up phone and never would of been scammed,seems they don't have much duty of care for there customers and to make it worse they informed me by email on 25 of march that they hold me responsible to pay the $500 and that day being my birth day and totally ruined my day,seems they don't have a heart either,UPDATE the comm bank refunded the money the scammers took but not zippay,suppose any business is good business as long as they making money even if it is with help from scammers

Great experience with Zip! The support team was quick, professional, and really helpful in resolving my issue. Everything was handled smoothly and communication was clear throughout. Highly recommend!

These guys have been nothing but helpful to me. Anytime im not able to completely pay for something fully amount wise these guys have always made it happen that way I dont miss out on things thats are need to grab right away kinda things such as gifts or personals items. Cant tell ya enough how much ZIP is a must have people so get it and get what your wanting today not later!

Borrowed $16,000 from Zip in order to
Purchase a sauna and cold plunge. I started making payments in November with a promised delivery of early January from the vendor. Products never arrived and I made constant contact with the vendor via email and phone calls, off of which went unanswered. The vendor went into offical liquidation January 26th. I made contact with zip asking the to stop payments, they refused despite me presenting offical documentation of the liquidation and proof of my constant communication with zero response. The communication since has been abysmal from
zip and I am still making payments for products I will never receive. They have not been helpful in the slightest and I am constantly having to email them for updates. Hugely disappointing and would not recommend anyone borrowing from them.

I’m really disappointed with how my dispute was handled by Zip Pay.

I purchased tickets to a True Grit Sydney event that was originally scheduled for 7 March 2026. The organisers later rescheduled the event to 27 June 2026, which made it impossible for me to attend due to a confirmed interstate move.

The key issue here is that this was not my decision to cancel. The event organisers changed the date, yet I was still left out of pocket.

While the ticket itself was refunded, the refund protection fee was not. When I raised a dispute, I was told that the refund I received was only because I had purchased protection, and that the protection fee cannot be refunded because it is handled by a third party.

From a customer perspective, this makes no sense. The entire situation was caused by the event being rescheduled, not by me cancelling. When an organiser makes that decision, it should not financially impact the customer at all.

Instead, I have been passed between companies with no real resolution, and I am the one left covering the cost.

This experience has really affected my trust in using Zip Pay. I would strongly recommend others be cautious and fully understand what these “protection” fees actually cover, because in my case, it did not provide the protection I expected.

Zip is great alternative to everyday bank credit cards, although after being with zip since 2017, now a lot of the features that separated them from the big banks have slowly dwindled away, making zip more and more like the big banks and getting greedy.

Some of these things are;

- consistent interest rises.
So far this year has gone from 12.95% to 13.7%

- Reduction of interest free periods or interest free value of amount.
Zip pay was completely interest free only charging small monthly account fee, then name change and went to zip plus only allowing interest free under $1500 debt EOM, and recently changing to interest free under $1000 debt EOM.

- Increased minimum monthly repayments, increasing the percentages of credit limit

With the current rate of change there will be no perks soon for customer appeal.

I use Zip now more than my other cards, the minute I pay it off it automatically updates the balance and not wait days for the balance to appear. Thanks Zip

The customer servicet team professional was very understanding with my enquiry and was though in assisting me they listened took all the facts and guided me with the correct procedures and sent the correct documents for me to complete and submit.i truly recommend considering a Zip account don't hesitate ,I have held my account for quite a few years now use it often , and love the ease of use with an easy to manage app .great work Zip for a very strong product .

Jordan was fantastic, he stayed online until my problem was fixed. You need more workers like Jordan.

I’m very happy with the way the app works…..