Future of the Account-to-Account Payments System
Account-to-Account Payments Roundtable
The RBA is participating in an Account-to-Account Payments Roundtable together with the Commonwealth Treasury, Australian Payments Network and Australian Payments Plus. The Roundtable’s main purpose is to develop a common vision for the future of the account-to-account payments system and a plan to achieve that vision.
Meeting summaries
Draft vision for the future of account-to-account payments
30 April 2026
Draft vision reportPublic consultation by the Roundtable on the draft vision for the future of account-to-account (A2A) payments in Australia.
Public Interest Framework for a Successful Account-to-Account Payments System
This RBA paper provides a conceptual framework for a successful account-to-account payments system that serves the public interest. This analysis has been undertaken to underpin the work by the industry, together with the RBA and Treasury, to develop a vision and plan for the future of the account-to-account payments system.
Central to the success of the future system is its ability to provide all end users with access to payments options that are capable of meeting their needs, and that are cost-effective, reliable and safe. Achievement of these objectives will require effective industry governance arrangements, resilient infrastructure and competition and innovation among participants.
Read the Document