Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, has today released its “Inside the Wallet” insights report*, unpacking the spending habits of American customers in the second half of FY26 (1 January 2026 to 30 December 2026).

Key insights include:

  • Fuel spend was up 301% YoY, making it the fastest-growing category as customers increasingly turned to flexible payment options at the pump.

  • Auto and Transport surged 141%, reflecting Zip’s growing role in helping customers manage the essential costs of staying mobile.

  • Restaurants and Fast Food purchases climbed 62% YoY, ranking dining as one of the largest and fastest-growing categories.

  • Healthcare and Wellness payments jumped 54% YoY, with customers across all age groups using Zip to manage essential health costs with greater flexibility.

Joe Heck, Zip US CEO commented, “US customers showed greater intentionality in the second half of FY26, with spending patterns increasingly anchored in the essentials of daily life with fuels, food, and healthcare. These are the unavoidable expenses that households are actively managing, and Zip’s repayment model is proving to be a meaningful tool in helping customers stay in control.

What stands out is not just where customers are spending, but how thoughtfully they are managing their money. For everyday Americans balancing competing priorities, Zip is becoming an increasingly important part of how they navigate day-to-day expenses with confidence and control.”

View the full report here.

*All figures referenced in this document are derived from Zip internal data for the period 1 January 2026 to 30 December 2026 unless otherwise stated.

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets – Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

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