Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,000. Repayments are based on a minimum monthly payment from as little as $10 per week. A $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. Zip Money is a line of credit with credit limits between $1,000 and $5,000. Zip Money offers customers a guaranteed interest-free period of 3 months across all products.* Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $9.95 monthly account fee applies.