Trying to cancel Zip? Avoid the runaround.
Can you cancel your Zip subscription? Check eligibility and conditions
- Account closure → Cancel anytime if your balance = $0. No lock-in contracts or penalties.
- Outstanding balance → You must pay off all purchases, fees, and charges before Zip closes your account.
- Zip card vs account → Closing your Zip virtual card does not close your account – you need to request a full account closure separately.
- Order cancellations → Handled by the merchant. Once they issue a refund, Zip credits your account.
How to cancel a Zip subscription, service or order
Close your Zip account (via app):
- Open Zip app → go to Profile.
- Select Manage Zip Pay/Money account.
- Tap Close Account and follow prompts.
- Confirm closure – you’ll get confirmation in-app.
Alternative methods:
- Submit a closure request via Zip Help Centre form.
- Call Zip 02 8294 2345 or email hello@care.zip.co. Identity verification required.
Cancel an order/payment:
- Contact the merchant directly.
- If approved, refund → credited to Zip account (up to 14 business days).
- If no balance owing, refund creates credit. Request payout to your bank if you don’t want to leave it on account.
How long does a Zip cancellation take?
- Account closure → Instant via app once your balance is $0. If via form/email, allow a few business days for review.
- Final payments → BPAY may take 3–5 business days to clear before account can close.
- Refunds from merchants → Up to 14 business days depending on store processing.
- Notice periods → None. Zip doesn’t require 30 days’ notice – close anytime.
⚡ Tip: Pay your balance a few days before closure to avoid delays from payment clearance.
Zip cancellation fees and final charges – what to expect
- No cancellation fees → Zip does not charge account closure fees.
- What you must pay → Any outstanding balance, monthly fees ($9.95 Zip Pay) or late fees up to cancellation date.
- Refund of credit balances → If you overpay or get a refund, you can request Zip to return credit to your bank.
- No refunds on fees → Monthly/late fees already paid are not reversed.
Zip cases submitted through Ajust
I’m a pensioner and had to try to cancel my Zip account because the interest and monthly fees became unmanageable. Even when I paid regularly on a $2,000 limit, the balance barely moved because the charges were so high. I was also told past payment errors were Zip’s fault. I just wanted the fees reversed and a fair way to close things down without being buried financially. - Angela
I tried to get my Zip account under control after my hardship arrangement ended, but I couldn’t see any interest building up and was told my account was frozen. I kept paying, thinking I was doing the right thing, then all the interest hit at once and pushed me over my limit. I wanted to cancel without being penalised for charges I was never able to see. - Havarna
Consumer experiences with Zip cancellations
Smooth app closure → Many customers closed accounts easily in-app once their balance was cleared.
Refund frustrations → Some users reported refunds being misapplied to incorrect balances, needing follow-up with support.
Unexpected account closures → A few customers found their accounts closed without warning, with poor communication from Zip.
Zip Cancellation FAQs
Can you cancel your Zip account anytime without penalties?
Yes, you can cancel your Zip account at any time with no lock-in contracts or cancellation fees, as long as your balance is zero. Zip only requires that all purchases, monthly fees, and any late charges are fully paid before closure. Once your balance clears, you can close the account instantly in the Zip app or request closure through customer support. There is no notice period, so you stay in full control of when you cancel.
Do you need to pay off your balance before closing a Zip account?
Yes, Zip will only close your account once your balance is fully paid, including purchases, monthly fees, and any outstanding charges. Payments made via BPAY can take several business days to clear, which may delay closure. Paying your balance a few days early helps avoid delays. Once the balance reaches zero, account closure through the Zip app is usually instant.
Does cancelling your Zip card also cancel your Zip account?
No, cancelling or closing your Zip virtual card does not cancel your Zip account. Your Zip account remains open until you request a full account closure separately. To completely cancel Zip, you must close the account through the app, submit a request via the Zip Help Centre, or contact Zip support directly. Many consumers miss this step and assume their account is closed when it is not.
What happens to refunds or credits when you cancel Zip?
Refunds are handled by the merchant first and then credited back to your Zip account, which can take up to 14 business days. If your account has no balance owing, the refund creates a credit. You can request Zip to transfer that credit back to your bank if you don’t want to leave it on the account. Monthly or late fees already paid are not refunded.
Tried to cancel but Zip made it difficult?
We’ll help you submit a formal cancellation they can’t ignore.