How is my personal data kept secure if I connect to my online banking?

To keep your online banking details secure, we employ industry-standard and bank-level SSL encryption technology, as well as a world-class firewall service. We don't see or store your credentials at any stage and receive a read-only summary of your recent transactions. This process is used by many major financial institutions, including ANZ, PayPal, and HSBC.

Connecting to your online banking allows us to assess your application quickly and without paperwork. However, if you'd prefer not to use this process, we also offer the option of manually uploading your bank statements within the application form. Please see below for our upload requirements.

Manual bank statement uploads

If you don't have internet banking or would prefer not to connect to your online bank account, you'll need to manually upload your last 3 months' worth of bank statements. To do this, you need to be using a computer (not a tablet or mobile) to complete your application. Please contact your bank to obtain these statements via email and check they meet the following requirements:

  • PDF format - Your statements must be in PDF format, with the entire statement in one file rather than page-by-page. You can upload up to 3 documents, i.e. one for each month if required.
  • Most recent statements - Your statements must show at least the most recent 3 months' worth of transactions. If this isn't possible, you'll need to complete the internet banking step instead.
  • Official format - Your uploaded statements must include your bank letterhead, your full name, address, transaction data, and running balance.
  • Everyday account - Please ensure the statements are for your everyday account and illustrate your regular income and expenses. If you have multiple accounts, you may wish to provide recent statements from all of them so we can see your internal transfers.

Please be aware that if your statements don't meet these requirements, our credit team may not be able to assess your application in a timely manner. For this reason, you'll need to use the online banking option if you are applying for a Zip account instore.

If you experience any issues or require some assistance with the process, please contact our support team for help.

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