Retail Payments May 2025

The tables below present a summary of the latest retail payments statistics.

Value of Retail Payments
Value
($ billion)
Growth
(Per cent)
Monthly Year-ended
May 2025 Apr 2025 May 2025 May 2024 May 2025
ATM withdrawals 9.1 −0.6 2.0 1.5 3.2
Total card purchases on Australian−issued cards 91.3 0.2 0.2 5.8 7.2
of which: Credit and charge cards 38.3 0.2 1.3 5.8 8.6
of which: Debit cards 53.0 0.2 −0.6 5.8 6.3
Total balances outstanding on credit and charge cards 42.0 0.2 0.4 1.1 3.3
of which: Balances accruing interest 20.0 −0.3 1.1 0.8 4.8
New Payments Platform transactions 189.3 3.6 −3.3 24.0 14.3
Cheque payments 12.9 −3.7 −3.1 −18.3 −24.3

Source: RBA

Number of Retail Payments
Number
(Million)
Growth
(Per cent)
Monthly Year-ended
May 2025 Apr 2025 May 2025 May 2024 May 2025
ATM withdrawals 28.6 −0.8 1.5 −1.1 −0.9
Total card purchases on Australian−issued cards 1335.7 0.3 −0.4 4.5 4.9
of which: Credit and charge cards 322.8 −0.3 1.0 4.5 4.9
of which: Debit cards 1012.9 0.5 −0.9 4.5 5.0
Cards on issue 65.2 −0.1 0.0 3.8 0.4
of which: Credit and charge cards 16.8 0.0 0.2 0.5 −5.5
of which: Debit cards 48.5 −0.1 −0.1 5.1 2.6
New Payments Platform transactions 151.2 0.7 −0.5 19.5 10.8
Cheque payments 0.9 −1.6 −3.1 −33.5 −29.7

Source: RBA

Total Average Merchant Fees for Debit, Credit and Charge Cards
March quarter 2025
  Domestic cards -
device present
(Per cent)
Domestic cards -
device not present
(Per cent)
International cards
(Per cent)
Total
(Per cent)
Debit
eftpos 0.42 0.42
Mastercard 0.56 0.52 0.59
Visa 0.49 0.43 0.54
Credit
American Express 1.35 1.32 1.67 1.34
Mastercard 0.86 0.84 2.62 0.96
Visa 0.86 0.78 2.72 0.96
Source: RBA

All levels and growth rates are seasonally adjusted, except for those relating to cards on issue. The data are not adjusted for the effects of breaks in the series. Historical levels and growth rates for the retail payments statistics may be revised due to the resubmission of data by some reporting institutions and the re-estimation of seasonal factors.

For further information about the Retail Payments Statistics collection, including links to relevant statistical tables, refer to Payments Data.