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Zip UK was an interest-free buy now, pay later (BNPL) service but in 2022, it closed its operations in the UK. The rest of this review describes the service that previously operated in the UK.
To see alternatives to Zip, use our buy now, pay later comparison guide.
Zip partners with retailers to allow customers to buy items there and then, while paying for the goods later down the line.
Shoppers browse their chosen store as usual. Once they get to checkout, if Zip is available, customers can choose to pay later with Zip as their payment method, instead of using a credit or debit card. At this point, users will need to create an account and provide bank or card details in order to complete the purchase. The payment will then be spread across four equal fortnightly chunks. It’s important to be aware that Zip charges late fees – not all BNPL services do this.
You can check out our full list of Zip retailers and find out where you can buy now and pay later.
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Zip costs absoutely nothing to use, so long as you pay on time (every fortnight). If you fail to cover a scheduled payment, you will be charged a £6 late fee and further fees for every week the payment is outstanding, capped at £18.
If you keep failing to clear your balance, your details may be passed on to a collections agency and your credit score negatively impacted.
In short, yes. Zip considers a number of factors as part of its assessment process. When you apply for a Zip account, identity checks and a “soft” credit check are undertaken to verify your details and confirm you can make repayments. Credit checks are performed by third-party companies Equifax and illion.
Absolutely. Zip’s website is SSL secure and does not store your full debit card details. All payments are handled by Payment Express, a secure PCI compliant UK-based payment gateway.
Click through to checkout at your chosen store and if that retailer offers Zip, you’ll be able to choose it as your payment method. As you are guided through this mini application, you are also creating your Zip account.
On the off chance that you encounter a problem with Zip, we suggest taking a look at the list of frequently asked questions on the site. Can’t find your query on there? Give Zip a call on 020 3319 6601, or email the team at uk@care.zip.co.
Zip is an alternative to the likes of Klarna and Clearpay in the UK and around the world, although it is yet to partner with many well-known high-street retailers and, unlike several other BNPL services such as Klarna, it charges late fees.
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