Full list of stores that accept Zip Money

Find out where you can use your interest-free Zip Money account, updated daily.

4.6 based on 833 reviews

Shopping for larger items can be hard on your finances. You can be forced to pay exorbitant credit card interest to get your hands on something you can't afford to pay for upfront. Zip Money allows you to make big purchases but you can pay back the amount without being charged any interest for a set period.

How does Zip Money work?

When you sign up for a Zip Money account, you will be asked to select one of three credit limits from $1,000 to $5,000 on a direct application, with the establishment fee scaling to $99. You can then use this credit to shop at one of the retailers below.

You don't have to make a purchase as soon as you sign up for an account, but when you do you will be given an interest-free period. Every Zip Money account comes with a minimum 3-month interest-free period.

When you use your credit you will pay a monthly account fee of $9.95, waived in any month your balance is $0 and you will have to make a certain minimum repayment ($40 for the two lower credit tiers and $80 for the $3,000 credit tier). You can make payments above this amount to ensure you repay your debt within the interest-free period. When your interest-free period ends, you will pay a variable rate on your outstanding balance which is currently 25.9% p.a.

Zip Money also offers a line of credit product for smaller purchases called zipPay. Find out how Zip Pay works and where Zip Pay is offered. You can also read more about how Zip Money works in our review.

Full list of stores with Zip Money

Use the search box below to find out if a store accepts Zip Money. This list contains over 9900 retailers and is updated daily.

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12 Responses

    Eileen's avatar
    EileenMarch 18, 2025

    Woolworth’s
    Can I shop there

      Sarah Megginson's headshotFinder
      SarahMarch 18, 2025Finder

      You can use Zip Money to buy a Woolworths gift card.

      Hope this helps!

    Eileen's avatar
    EileenMarch 18, 2025

    Can I shop at Amcal chemist

    Julie's avatar
    JulieMarch 4, 2023

    Can you purchase gift cards with Zip Money

      Stephanie Yip's headshotFinder
      StephanieMarch 12, 2023Finder

      Hi Julie,
      Yes, you can purchase certain gift cards using Zip. You can find a list of them here: https://zip.co/au/giftcards/
      Thanks,
      Stephanie

    Jason's avatar
    JasonFebruary 21, 2023

    Does erskine park dentist except zip money.

      Chris Jager's headshotFinder
      ChrisMarch 3, 2023Finder

      Hi Jason. Yes, Erskine Park Dental accepts Zip Money and Zip Pay.

    Shawnte's avatar
    ShawnteJanuary 31, 2020

    Can I use my Zip money at Coles In-stores?

      Ash's avatar
      AshFebruary 1, 2020

      Hi Shawnte,

      Thanks for reaching out to Finder.

      Upon checking, Zip money as well as Zip pay doesn’t have a partnership with Coles. Thus, you cannot either choose from any payment option being offered to you to be able to make a purchase.

      I hope this helps.

      Cheers,
      Ash

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