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RBA Glossary definition for debit card
debit card – A debit card is a card that enables the holder to access funds in a deposit account at an authorised deposit-taking institution.
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The Changing Way We Pay: Trends in Consumer Payments
4 Feb 2015
RDP
PDF
1225KB
18. Visa debit cards (which can be used for remote payments) over recent years is likely to have contributed to the greater debit card use by lower-income respondents. ... No. MasterCard/Visa credit card. American Express/Diners Club card. All cards
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf
Applications for Authorisation in Relation to 3D Secure – February 2016 | Payments System | Submissions
8 May 2024
Submissions
According to data published by APCA, total losses from fraudulent debit, credit and charge card transactions on cards issued and/or acquired in Australia amounted to $465 million in 2014/15, ... Graph 1. In contrast to CNP fraud, according to APCA data,
https://www.rba.gov.au/publications/submissions/payments-system/applications-for-authorisation-re-3d-secure/index.html
Inquiry into Future Directions for the Consumer Data Right – April 2020 | Payments System | Submissions
8 May 2024
Submissions
Commencing in July 2020, read access in Open Banking will allow the development of a range of detailed comparison services for credit and debit cards, deposit accounts and transaction accounts, and ... Credit cards and some debit cards allow payments to
https://www.rba.gov.au/publications/submissions/payments-system/future-directions-for-the-consumer-data-right/index.html
Submission to Payments System Review – January 2021 | Responses and Options Paper
8 May 2024
Submissions
Debit cards are the most frequently used payment method, having overtaken cash in recent years. ... When making a card payment, Australians are more likely to use a debit card than a credit card.
https://www.rba.gov.au/publications/submissions/payments-system/submission-to-payments-system-review-01-2021/index.html
Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
PDF
1746KB
cash; in most other respects, credit cards provide very similar functionality to debit cards. ... cardholders valued were features that are now also available in debit cards (for instance,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
Valuing Safety and Privacy in Retail Central Bank Digital Currency
4 Apr 2024
RDP
PDF
1594KB
phones, computers, or cards, just like they can at other banks already offering bank accounts. ... surcharges to use debit cards and credit cards, rather than cash.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf
Applications for Authorisation in Relation to PIN@POS – Auguest 2013 | Payments System | Submissions
8 May 2024
Submissions
Graph 1. In the Australian card payment market, a significant number of debit cards on issue are ‘dual-network’ cards. ... the proposed ‘PIN to win’ promotion) might be regarded as broader marketing for MasterCard and Visa credit cards, and for
https://www.rba.gov.au/publications/submissions/payments-system/applications-for-authorisation-re-pin@pos-2013-08/index.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-The Credit Card Market
8 May 2024
Submissions
While almost all Australian adults have transaction accounts that can be accessed with a debit card, the proportion with credit cards is somewhat smaller. ... Whereas there is little variation in holdings of debit cards by income level, the survey shows
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/the-credit-card-market.html
Read me file for Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
10 Sep 2020
RDP
PDF
457KB
RDP 2020-06 supplementary information
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-read-me.pdf
Bank Deregulation in Australia: Choice and Diversity, Gainers and Losers | Conference – 1991
21 Jun 1991
Conferences
Bankcard debit/credit card. Enhanced retirement services. 1987. Life insurance. Fixed-rate mortgage lending. ... Reduced terms and minimum balances for term deposits. PIN for credit and debit card access.
https://www.rba.gov.au/publications/confs/1991/harper.html