Asia-Pacific · GDP rank #13
Australia
AU · AUD @ 0.7139/USD
Cards dominate by value; instant payments have moved from niche to primary rail in under a decade. The RBA's March 2026 Review confirmed a 1 October 2026 ban on card surcharges and a cut in interchange caps to 0.30% wholesale, alongside a new foreign-card interchange cap from April 2027. Contactless is saturated; PayTo is displacing direct debit; CNP fraud remains the headline security problem.
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
% · 2022
Debit card share
% · 2022
Credit card share
% · 2022
Mobile wallet share
% · 2024
Payment mix
At the point of sale
The shares below are POS volume (count of transactions), which reads differently from POS value. For the value-share read, see the card-economy grid underneath.
Share of POS
- Cash13%
- Credit card23%
- Debit card44%
- Instant / A2A9%
- Mobile wallet39%
- BNPL10%
- Other1%
Cash behaviour
- ATM network
- 23,400
- Avg. ATM withdrawal
- A$280
- Cash share · value
- 4%
- Cash share · volume
- 13%
Source · APCA / AusPayNet
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
Domestic debit scheme, consolidated under AP+ umbrella since 2022.
Share of card volume
- Visa48%
- Mastercard34%
- Amex3%
- Other1%
- Domestic Scheme14%
Debit card transactions
transactions/year · FY2024
Debit card spend
AUD annual · FY2024
Credit card transactions
transactions/year · FY2024
Credit card spend
AUD annual · FY2024
Average debit ticket size
AUD · FY2024
Average credit ticket size
AUD · FY2024
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- Apple Pay11.5M
2024
- Google Pay4.2M
2024
- Samsung Pay1.1M
2024
- Beem (bank-owned)2.3M
2024
Notable wallets
Apple Pay
Leads Android wallets by ~2x in Australia despite ~55% Android share; iOS user concentration in higher-spend demographics.
Roy Morgan
Google Pay
Roy Morgan
Samsung Pay
Roy Morgan
Beem (bank-owned)
NPP-rail P2P app; usage trails Osko direct from bank apps.
Beem / CBA ANZ NAB Westpac joint venture
Full reference