Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centered products for everyday Americans, today announced a second banking partnership with Column N.A., a nationally chartered bank.

Under the new partnership, Column N.A. will serve as a bank partner for Zip’s unsecured U.S. installment lending products. Column N.A. operates under a U.S. national bank charter and is federally regulated.

The expansion of Zip’s bank partnership model through the addition of a nationally chartered partner further diversifies the Company’s banking relationships, supports funding cost efficiencies and strengthens operational resilience, reflecting the significant scale Zip has achieved.

“As Zip continues to grow strongly, maintaining a strong and diversified funding platform is key to delivering for our customers,” said Rory Herriman, President and Interim CEO at Zip US. “Through our partnership with Column, we’re strengthening the foundations of the business to support our next phase of growth and continue expanding access to transparent and responsible credit for millions of Americans.”

“Column supports the largest and most sophisticated financial services companies with a range of consumer lending products, and Zip’s reach makes it a strong fit for our platform,” said Brian Fishbein, Chief Investment Officer at Column N.A. “We’re looking forward to supporting Zip’s significant scale with our technology, especially as it expands into new products and serves new customers.”

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 Australia and the United States, 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

About Column N.A.

Column N.A., Member FDIC, is a nationally chartered bank that provides regulated financial infrastructure for technology companies. Founded in 2019 by Plaid co-founder William Hockey, Column serves as the banking backbone for modern financial products and powers the world’s most sophisticated fintechs, such as Brex, Bilt, Wise, Mercury, and more. With a custom-built banking core, ledger, data model, and a direct connection to the Federal Reserve, Column eliminates the inefficiencies of legacy banks and middleware — creating a faster and more reliable banking platform. Beyond payments and accounts, Column enables national lending and credit products, powering API-based loan-origination partnerships and deploying its balance sheet to fund lenders through debt financing and loan purchases.

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