If you can't log in to your Zip account, you could be using the wrong email address or password. Please try the following:

Check that your email address is the one you used to sign up for your Zip account. If you have more than one email address, try searching your mailbox for emails from Zip. If you're using the wrong email address, you should see this screen when you attempt to log in.

We understand that you may get a new mobile number or email address, or even want to change the name on your account, to reflect a legal name change. 

These changes can now be made directly in the Zip app or online customer portal.

If you've changed phones recently or haven't logged in to the Zip app in a while, we'll need to check that it's you, by sending a verification code to your mobile number before you can log in again. This is for your security, to prevent unauthorised access to your Zip account.

If your mobile number is different to the one we have on file, you can update your number via the app. You'll need your NZ driver licence handy to complete this process. If you don't have a NZ driver licence, get in touch with our team using one of the methods detailed here, and we'll verify you manually instead. 

I want to increase my spend limit

As you complete orders successfully without any late payments or refunds (with the exception of Auckland Transport), you may become eligible for increases.

 Zip will run a credit check to assess your credit score to determine whether a credit limit increase can be provided. 

1. This type of check will not impact your credit score.
2. These checks will not be visible to other lenders.

To learn more about your Credit Score and credit history, please get in touch with Centrix.

I want to decrease my spend limit

At Zip, we’re committed to responsible lending practices and strive to meet our customers' needs within our credit portfolio. We regularly review our customers' information, including how frequently they make their payments on time and the number of purchases they’ve made, to ensure that the credit limits they have are manageable and one they can comfortably afford.

If your credit limit has been reduced, this is the result of a recent evaluation of your account given overdue payments. Please note that this decision cannot be changed at this time.

We will aim to notify you of any decreases as they occur.

Please note: If you miss or default on your Zip payments your limit will gradually decrease, so please make sure you pay on time.

 If you would like to cap your spend limit, you can do so from the Zip app. Kindly refer to our Article: How can I control my spend limit?.

You can now close your account via the Zip customer portal or mobile app.

• Log in and navigate to the Profile area
• Tap or click the Close Account button, and follow the prompts to confirm