Zip - Shop Now, Pay Later

This app asks for you bank logs in ID and password they only need account details to set up with signed approval which the bank will verify. Never give your user name and password response:Hi there, Thanks for taking the time to leave a review. Bank Account Linking in app is the ability to securely link your bank accounts and credit card accounts to the Zip app. You will be able to your total available funds and see up to the last 2 years worth of transactions in the activity tab. We will provide a balance insight on the accounts you link, by aggregating the available balance (i.e. available cash) you have on all of your accounts into 1 total balance. Hope this helps! Rose" so this answer means they use your main login account for all accounts and take from whichever account they please not from a linked account as required per law. In no state in Australia is it legal to make any persons hand over their full personal access to all accounts. Under the legislation this is fraud and cohesion. If I’m correct it’s not only a state fraud but also federal fraud as the banking system is Australia wide with these companies. It also against international monetary laws. They can only request one account details and visa debit or a credit card number and and signed to authorise the transaction which is then double checked by the bank with some banks asking for authorisation at their end via the app or account. With total access they can take any moneys they want in fraud. No other company does this. You have to update your card details manually via the app to link cards.

I’ve had a few issues with a couple other buy now pay later apps. I’ve changed card details and although the app said it was changed it wasn’t etc……. This app has NEVER EVER skipped a beat. It does what I ask it too, it is fair and decent with everything. Very easy to navigate and has no surprises. I always know what I’m in for and I don’t have to split everything order by order. It’s one payment for when I set it up to come out. No matter how many orders I have with multiple shops it’s not taking 6 different payments. I can manage my money better and I know that my limit doesn’t break the bank each and every week. I always pay more than I need so it gets paid off quicker, and I was able to change this to suit me on the app as apposed to having to call them. THANK YOU SO MUCH ZIP PAY. You make my life easier, Christmas and birthday’s possible and I know I can always count on having a back up if I need it.

I have found zip pay to be very helpful and I have noticed that there are complaints about fees etc. Before applying you should read through these and know exactly what you are going to get charged each month - that is just common sense to me. I love this app and I feel the monthly fee of $6 is very reasonable and minimum repayment of $40 a month is great. It is a lot cheaper than getting an advance loan, payday loans etc. I am just stumped at how many people do not read about fees and repayment before applying. Zip pay make it very clear on these charges and is explained easily so you know what you are up for. I have been very happy with zip pay and will continue to use for a long time, I have Afterpay and Openpay but have not yet used these as I find that zip pay is more suited to me and I am on a low income so the monthly repayment and fees as very reasonable. Thanks zip pay I would be lost without your assistance.🥰