I want to increase my spend limit
Unfortunately, we are not able to manually increase spend limits. Depending on the retailer, you may be able to purchase something with a higher value than your spend limit.
As you complete orders successfully without any late payments or refunds (with the exception of Auckland Transport), your spend limit will increase gradually, up to a maximum of $1000 ($1500 for those with very high credit scores).
I want to decrease my spend limit
If you'd like to decrease your spend limit to limit your spending capabilities with Zip, our team can manually adjust this for you.
Please note: If you miss or default on your Zip payments your limit will gradually decrease (down to $0), so make sure you pay on time.