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Zip FAQs

Zip is a payment method which gives you the freedom to buy now and pay later at thousands of Australia’s favourite stores. Zip offers two reusable account types, Zip Pay and Zip Money.

Please note that Zip is not a service provided by BIG W. It is a facility offered by Zip Co Limited. Please carefully read Zip’s Terms and Conditions and Privacy Policy before applying at https://help.zip.co/en.

Zip Pay:

  Zip Pay is an online shopping wallet with a credit limit of up to $1000. Every purchase with Zip Pay is interest free always. Every Zip Pay application is subject to credit approval. You may be approved for a lower limit of $350 or $500.

Zip Money:

  Zip Money is a line of credit offering account limits of up to $5000 with BIG W. You will enjoy 3 months interest free on any Zip Money purchase. Every Zip Money application is subject to credit approval.

For more information, please visit https://help.zip.co/en/articles/145-what-is-the-difference-between-zip-money-and-zip-pay.

Zip is an additional online only payment option, allowing you to order and receive items straight away, without having to wait until you can pay in full for the order. Using Zip means you can pay your order off in weekly, fortnightly or monthly repayments, plus you can secure items before they sell out. More details are available at https://zip.co/.

No. Zip is only currently available online at bigw.com.au.

Zip Pay:

To be eligible to apply for a Zip Pay account, you need to:

  • Be aged 18 years or older
  • Be an Australian citizen or Permanent Resident
  • Have a valid Australian mobile phone number and email address
  • Have a verifiable Facebook, PayPal, LinkedIn or bank account in their own name
  • Have a good credit history

Zip Money:

To be eligible to apply for a Zip Money account, you need to:

  • Be aged 18 years or older
  • Be an Australian citizen or Permanent Resident
  • Be employed in some capacity
  • Earn more than $300 per week
  • Have a valid Australian mobile phone number and email address
  • Have a good credit history

Please visit https://help.zip.co/en/articles/166 for more information.

Zip can be used to pay for most BIG W products online at bigw.com.au with the exception of gift cards and top-up cards.

Yes, the minimum order value (including delivery) for Zip is AUD$50.

Zip Pay:

You may choose from weekly, fortnightly or monthly payments. Please visit https://help.zip.co/en/articles/30-how-do-zip-pay-repayments-work for more information.

Zip Money:

You may choose between weekly, fortnightly or monthly payments as long as the minimum monthly amount is met. Please visit https://help.zip.co/en/articles/172-how-do-zip-money-repayments-work for more information.

Additionally, for Zip Money accounts, you will enjoy 3 months interest free on any Zip Money purchase. After the interest-free period ends, your balance will attract an annual interest rate. Please visit https://help.zip.co/en/articles/175 for more information.

A monthly account fee may apply. Please visit https://help.zip.co/en/articles/30 for more information.

A late fee may apply. Please visit https://help.zip.co/en/articles/80 for more information.

Yes, you will need to create a Zip Pay or a Zip Money account with Zip prior to completing your purchase with us. Once you have an account set up, simply select Zip at the checkout and log into your account to finalise the transaction. Please visit https://zip.co/apply to create a Zip Pay or a Zip Money account.

Zip will require various pieces of personal information and may perform identity and credit checks as part of the sign up process. Please visit https://help.zip.co/en/articles/26-what-is-the-application-process-for-a-zip-account for more information.

These checks are performed in accordance with Zip’s Privacy Acknowledgement.

Zip is only available online at bigw.com.au. Simply choose Zip as your payment option at the checkout.

When you pay for your BIG W online order using Zip, your order will be released for processing and dispatch as per any other order paid for in full at the time of order (eg. by credit card) and you can expect to receive your BIG W parcel according to your chosen delivery option timeframes.

Zip payments can be split with gift card and/or rewards payments if the gift card and/or rewards payment is selected first. However, Zip payments cannot be split with other forms of payment (e.g. credit cards, Paypal, Afterpay, etc.)

You can first review Zip's own "frequently asked questions" on their website at help.zip.co. If you require further assistance about your Zip account you can contact Zip directly by sending an email to hello@care.zip.co or by calling (02) 8294 2345.

When you sign up with Zip, your repayment schedule defaults to automatically process the account's minimum required amount at the due date. To view or change your repayment schedule please visit https://help.zip.co/en/articles/84.

We aim to process your order as soon as it is received. Unfortunately, this means you cannot cancel or amend an order once it has been placed. However, once you have received your Zip item, you can return it to BIG W in accordance with BIG W’s 90 Day Change of Mind Returns Policy. Just visit your nearest BIG W store or return the item via post using the returns form.

Yes. If a product is not right and you require a refund or exchange then the item can be returned to BIG W in accordance with BIG W’s Returns Policy. In the case of refunds, BIG W will process the refund using the original payment method stated on your proof of purchase, or where BIGW deems appropriate, through an alternative means. Once we process your refund, Zip will be notified and the funds will be credited to your Zip account. For more information, please visit https://help.zip.co/en/articles/31. Please note that Returns Cards are not available with Zip refunds.

Yes you can earn Woolworths Rewards points for your Zip purchases. Earn 1 Woolworths Rewards point for every $1 you spend online at BIG W. You will not earn Points on gift cards (including iTunes), BIG W Photos, BIG W Ebay, travel cards and tickets, or mobile recharge. Rewards card must be added to your account prior to completing your order.

For More information on Reward Points, please click here.

Yes, Zip payments can be split with rewards payments if the rewards payment is selected first.

The Zip website provides a very comprehensive list of FAQs at: https://help.zip.co/en. If you still can't find out what you need here, contact Zip directly by emailing hello@care.zip.co or calling (02) 8294 2345.

Please note that these FAQs have been provided by Zip and are current as at [26 September 2019]. Zip is not a service provided by BIG W. It is a facility offered by Zip Co Limited. You should carefully read Zip’s Terms and Conditions and Privacy Policy before applying at https://help.zip.co/en.