Zip Co Limited




Zip Co Ltd., also known as Zip Co is a financial technology company that offers products and services to its customer base of 12,000,000 through its 90,000 retail partners. In 2020, this company acquired ‘Buy Now, Pay Later to increase its footprint in the American market.

  • Bank Type

    Public Limited Company

  • Founded


  • Headquarters

    Sydney, New South Wales, Australia

  • Industry

    Fintech, consumer finance, e-commerce

  • Formerly/Predecessor


  • Subsidiaries


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Pros & Cons-Zip Co Limited


  • Strict lending policies.
  • High Property Value for First Home Buyers.
  • Signup Fees.
  • Customer Support.


  • Home Loan for Self-Employed.
  • Strict Age Restrictions.

About of Zip Co Limited 

Zip Co Limited is committed to offering clients straightforward, adaptable payment methods so they may better manage their money. Zip, a digital wallet and interest-free credit platform that enables customers to make purchases now and pay for them later, is the flagship product of Zip Co Ltd. Zip Pay, a buy-now, pay-later service that may be utilised at participating retailers both online and in-store, is another service provided by the business. In addition, Zip Co Limited offers a variety of additional financial goods and services, such as credit cards, personal loans, and a digital wallet for enterprises. Due to its international expansion, Zip Co Limited now has operations in nations like the United States, the United Kingdom, Canada, and New Zealand. The business has alliances with significant retailers and merchants across a range of sectors, including fashion, home goods, electronics, and more.

Features & Benefits of Zip Co Limited

Leading fintech business Zip Co Ltd in Australia offers consumers and businesses creative and adaptable credit and payment solutions. The following are some of the main attributes and advantages of using Zip Co Limited:


Buy now, pay later: Zip Co provides a "buy now, pay later" service that enables customers to make purchases upfront and pay overtime in instalments.

  • Interest-free: Customers can spread the cost of their purchases using Zip Co's interest-free payment plans without paying any extra fees.
  • Flexibility: Customers can customise the payback timeline for Zip Co's payment plans to fit their budget.
  • Electronic wallet:  With the use of Zip Co.'s digital wallet, customers can keep and manage their payment options, speeding up the checkout process.
  • Credit items: Customers who use Zip Co's credit products, such as personal loans and credit lines, can better manage their money.


  • Convenience: The goal of Zip Co's payment solutions is to streamline and improve the consumer purchasing experience.
  • Affordability: Customers can spread the cost of their purchases over time without going over budget with the aid of Zip Co's interest-free payment plans.
  • Flexibility: Due to the adaptability of Zip Co's payment plans, consumers can manage their payments in a way that works for them.
  • Security: Zip Co. has strong security procedures in place to guard against fraud and data breaches and takes the protection of its customers' data seriously.
  • Rewards: Customers of Zip Co can receive a variety of perks and bonuses, such as cashback and special discounts at a few merchants.

Services Offered by Zip Co Limited

For consumers and businesses, Zip Co. provides various credit and payment solutions emphasising adaptability, practicality, and cost. Leading Australian fintech firm Zip Co Ltd provides various credit and payment services to consumers and businesses. Following are a few of the main services Zip Co. provides:

  • Zipped pay: With the help of Zip Pay, customers may make purchases from participating merchants and pay for them over time in interest-free instalments.
  • Zip Cash: Customers can use Zip Money, a line of credit, to make greater purchases and spread out their payments over time.
  • Zip Commercial: For small and medium-sized businesses, Zip Business is a payment and credit solution that enables cash flow management and credit-based transactions.
  • Zipped online: Businesses may take payments from clients online thanks to Zip Online, an e-commerce payment system.
  • Snap Toe: With the help of Zip Tap, users may make purchases at merchants that accept it by utilising their mobile devices.
  • Rewards from Zip Co: Zip Co Rewards is a loyalty program that rewards users for utilising Zip Co's credit and payment services with cashback and other benefits.

Types of Accounts in Zip Co Limited

To meet varied customer demands, whether they are personal or professional, Zip Co Limited offers a variety of account alternatives. To meet the demands of various clients, Zip Co Ltd provides several distinct account kinds. Some of the most popular account kinds are listed below:

  • Account Zip Pay: With a Zip Pay account, users may make purchases from participating merchants and pay for them over time in interest-free instalments. Clients have the option to link their accounts to their debit or credit cards and make periodic instalment payments. It is best to use this account for private purchases.
  • An account with Zip Money: Customers can use a Zip Money account as a line of credit to make larger purchases and spread out their payments over time using flexible payment schedules. Users can use the account to make purchases at any business that accepts Visa and select from various payback alternatives. For significant personal purchases or company expenses, this account is appropriate.
  • Account Zip Business: For small and medium-sized enterprises, a Zip Business account is a payment and credit solution that enables them to control their cash flow and make credit purchases. The account has several features and advantages meant to help with business operations, like online invoicing and tools for managing expenses.
  • Account Zip Trade: Specifically for trade enterprises, a Zip Trade account is a credit option that enables them to control their cash flow and make credit-based transactions. It provides a wide range of features and advantages suited to the requirements of trade enterprises, including tools for invoicing and trade-specific credit limitations.

Zip Co Limited Opening Hours

Customers can contact Zip Co Limited's customer support staff for assistance with a variety of questions. Here are the contact details: 

Day  Timing 
Monday to Friday  9:00 am to 7:00 pm
Saturday  9:00 am to 5:00 pm
Saturday  Closed

Contact Details / Customer Service

Customers of Zip Co Limited can get in touch with them using the following details: 

Contact details  Phone: 1300 947 729 (within Australia) or +61 1300 947 729 (outside Australia)
Email  [email protected]
Social media  Facebook, Twitter

Frequently Asked Questions

How good is Zip Co Limited?

Leading Australian fintech business Zip Co Ltd has grown in popularity in recent years. Overall, Zip Co Limited has a solid reputation for providing its clients with cutting-edge and practical payment and credit solutions. These are some of the elements that influence customers’ decisions to choose Zip Co:

Flexibility: With interest-free instalment plans, adaptable payback alternatives, and simple online account administration, Zip Co’s payment and credit solutions are made to be flexible and convenient for customers.

Competitive pricing: With no yearly fees for the majority of products and little to no transaction costs, Zip Co’s fees are generally competitive with those of other payment and credit providers.

Variety of services: Zip Co provides a variety of credit and payment options, including business-focused options, credit lines, and digital wallets, to meet the needs of various clients.

Innovation: Zip Co has a history of innovation, adding new features and products regularly to satisfy the changing needs of its clients.

Customer support: Zip Co places a high priority on providing excellent customer care and offers a variety of online tools to assist users in managing their accounts and resolving any concerns.

That so, Zip Co Limited is subject to regulatory regulations, market conditions, and other factors that may affect its performance and client experience, just like any financial services company. It is always advised to read the terms and conditions of any financial product or service carefully and to determine whether it is appropriate for your unique requirements and circumstances.

Who is the owner of Zip Co Limited?

Zip Co Limited is a publicly traded business that is listed on the Australian Securities Exchange (ASX). Its shareholders own Zip Co Limited as a public business.

In 2013, Larry Diamond and Peter Gray launched the business, which has since developed into one of Australia’s top fintech firms. The company’s executive team and board of directors now control operations and overall strategy.

How do I contact Zip Co Limited?

There are various ways to contact Zip Co Limited’s customer care department. Here are a few ways to reach us:

Phone: During business hours, which are Monday through Friday from 9:00 am to 7:00 pm (AEST) and Saturday to 5:00 pm, customers can call Zip Co Limited at 1300 947 729 (inside Australia) or +61 1300 947 729 (outside of Australia) (AEST).

Consumers can contact Zip Co Limited by email at [email protected] with any questions, requests for assistance, or comments.

Live chat: Users of the Zip Co website, Zip Pay, or Zip Money mobile apps can contact customer service via live chat.

Social media: Clients can get in touch with Zip Co Limited via sites like Facebook and Twitter.

Why use us?

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Low interest rates

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Australian based support team

Our support team offers tailor-made services to customers intending to conclude loan transactions without any hassle. Available to customers at their convenience.


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