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A Guide to the Card Payments System Reforms

15 Mar 2011 Bulletin PDF 274KB
Reserve Bank of Australia Bulletin September 2010
https://www.rba.gov.au/publications/bulletin/2010/sep/pdf/bu-0910-7.pdf

Payments System Reform: The Australian Experience

17 May 2005 Bulletin PDF 53KB
Remarks by Dr Philip Lowe, Assistant Governor (Financial System) for the Federal Reserve Bank of Kansas City Conference on 'Interchange Fees in Credit and Debit Card Industries: What Role for Public Authorities? Santa Fe, 4-6 May 2005
https://www.rba.gov.au/publications/bulletin/2005/may/pdf/bu-0505-3.pdf

Reform of the ATM System - One Year On

8 Jun 2010 Bulletin PDF 251KB
Reserve Bank of Australia Bulletin June 2010
https://www.rba.gov.au/publications/bulletin/2010/jun/pdf/bu-0610-6.pdf

Banking Fees in Australia

10 May 2005 Bulletin – May 2005
In the case of credit cards, banks charge these fees partly to cover the ‘interchange’ fee that they pay to a cardholder's bank whenever a credit card purchase is made. ... On 31 October 2003, the Reserve Bank introduced reforms to credit card
https://www.rba.gov.au/publications/bulletin/2005/may/2.html

Banking Fees in Australia

15 Jun 2017 Bulletin – June 2017
Rachael Fitzpatrick and Graham White
The Reserve Bank has conducted an annual survey on bank fees since 1997. The most recent survey suggests that banks' aggregate fee income increased at a relatively slow pace in 2016. Deposit and loan fee income continued to decline relative to the
https://www.rba.gov.au/publications/bulletin/2017/jun/4.html

The Operation of the Bank's Interchange Standards | Consultations

28 Feb 2019 Consultations
Interchange Standards and Net Compensation
https://www.rba.gov.au/publications/consultations/201902-operation-of-the-interchange-standards.html

Merchant Service Fees and Market Shares for Credit and Charge Cards

10 Aug 2005 Bulletin – August 2005
a cardholder used a Bankcard, MasterCard or Visa card – the so-called ‘interchange fee’. ... The average merchant service fee has now fallen by more than the 0.4 percentage point decline in the average interchange fee.
https://www.rba.gov.au/publications/bulletin/2005/aug/2.html

Banking Fees in Australia

10 May 2008 Bulletin – May 2008
The total value of merchant service fees fell significantly after the RBA's credit card interchange fee reforms were introduced in late 2003 and, despite the substantial increases in transaction values ... Following reform of the EFTPOS system in
https://www.rba.gov.au/publications/bulletin/2008/may/3.html

Merchant Service Fees for Credit Cards

14 Jul 2004 Bulletin PDF 53KB
12. 40 per cent in the average merchantservice fee. The most recent decline in fees took placeafter the lower interchange fees becameeffective at end October 2003. ... Overall, the 35 basis point reduction inmerchant service fees since the reforms
https://www.rba.gov.au/publications/bulletin/2004/jul/pdf/bu-0704-2.pdf

Banking Fees in Australia

10 May 2009 Bulletin – May 2009
Ramsay McLachlan
interchange fee reforms (Graph 3). ... In 2008, exception fees totalled $1.2 billion, around 10 per cent of banks' total fee income (Table 5).
https://www.rba.gov.au/publications/bulletin/2009/may/2.html