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Retail only

Pay smarter with Openpay at Officeworks

Openpay lets you spread the cost of the things you want and need over time, with no interest. None.

Flexible plans from
2 - 24 months

Purchases up to
$15,000

Available on purchases from $5 to $15,000

How it works

  • Sign up.
    Sign up easily through our app. We'll run a quick ID check to verify your details.
  • Shop.
    Make a purchase with Officeworks, online or in-store and choose Openpay at checkout.
  • Spread it.
    Pick your plan and pay your first instalment today. The rest is spread over fortnightly repayments.

Openpay plans

Retail only
Plans under $2,000
Plan duration

2 months

3 months

4 months

6 months

Minimum plan spend
$5
$50
$50
$500
Maximum plan spend
$2,000
$2,000
$2,000
$2,000
Your first instalment
20%
20%
20%
20%
Establishment fee
Free
Free
Free
Free
Plan management fee per fortnight
Free
$1
$2
$3
2 Months
3 Months
4 Months
6 Months
Minimum plan spend
$5
$50
$50
$500
Maximum plan spend
$2,000
$2,000
$2,000
$2,000
Your first instalment
20%
20%
20%
20%
Establishment fee
Free
Free
Free
Free
Plan management fee per fortnight
Free
$1
$2
$3
Plans over $2,000
Plan duration

6 months

12 months

18 months

24 months

Minimum plan spend
$500
$2,000
$2,000
$2,000
Maximum plan spend
$5,000
$10,000
$15,000
$15,000
Your first instalment
10%
10%
10%
10%
Establishment fee
Free
Free
Free
Free
Plan management fee per fortnight
$3
$4
$5
$5
6 Months
12 Months
18 Months
24 Months
Minimum plan spend
$500
$2,000
$2,000
$2,000
Maximum plan spend
$5,000
$10,000
$15,000
$15,000
Your first instalment
10%
10%
10%
10%
Establishment fee
Free
Free
Free
Free
Plan management fee per fortnight
$3
$4
$5
$5
 
Gift cards are unavailable to purchase with Openpay
Zip payFor purchases up to $1,000 Zip moneyFor purchases over $1,000
Account limit Up to $1,000 $2,000 to $10,000 subject to credit approval from Zip
Interest free period Always interest free

No interest for 12 months on purchases over $1,000

No interest for 6 months on purchases under $1,000. Annual rate of 19.9% on outstanding balance after interest free period expired
Set up fee No set up fee $25 (one off fee added to your balance)
Minimum repayments $40/month $40/month or
3% of owing balance (whichever is greater)
Payment frequency Weekly, fortnightly or monthly Weekly, fortnightly or monthly
Account fee $6/month where there is an outstanding balance $6/month where there is an outstanding balance
Late fee Learn more about Zip Pay late fees here Learn more about Zip Money late fees here

Available for purchases over $55

Gift cards are unavailable to purchase with Zip Pay or Zip Money

What do you need to apply for Openpay?

When applying for Openpay, you will be asked to provide personal information, and you must:
Apply now

Quick Questions

Information