Retail Payments December 2025
The tables below present a summary of the latest retail payments statistics.
| Value ($ billion) |
Growth (Per cent) |
||||
|---|---|---|---|---|---|
| Monthly | Year-ended | ||||
| Dec 2025 | Nov 2025 | Dec 2025 | Dec 2024 | Dec 2025 | |
| ATM withdrawals | 9.2 | 1.1 | −1.0 | 2.7 | 1.0 |
| Total card purchases on Australian-issued cards | 96.0 | 1.7 | −0.8 | 8.9 | 8.4 |
| of which: Credit and charge cards | 38.7 | 2.4 | −3.4 | 6.7 | 5.1 |
| of which: Debit cards | 57.3 | 1.2 | 1.1 | 10.5 | 10.6 |
| Total balances outstanding on credit and charge cards | 43.3 | –(a) | −2.9 | −0.8 | –(a) |
| of which: Balances accruing interest | 21.6 | –(a) | −2.5 | 3.9 | –(a) |
| New Payments Platform transactions | 226.3 | 2.3 | 0.4 | 25.4 | 23.0 |
| Cheque payments | 12.8 | −0.8 | −2.0 | −18.3 | −8.7 |
|
(a) Growth in credit and charge card total balances outstanding and balances accruing interest has been affected by a significant reporting change by one institution in its November 2025 data. Source: RBA |
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| Number (Million) |
Growth (Per cent) |
||||
|---|---|---|---|---|---|
| Monthly | Year-ended | ||||
| Dec 2025 | Nov 2025 | Dec 2025 | Dec 2024 | Dec 2025 | |
| ATM withdrawals | 27.8 | −0.1 | −0.8 | −1.4 | −3.9 |
| Total card purchases on Australian-issued cards | 1381.4 | 0.8 | 0.6 | 7.5 | 4.1 |
| of which: Credit and charge cards | 323.7 | 1.1 | −2.1 | 4.3 | 2.0 |
| of which: Debit cards | 1057.7 | 0.7 | 1.4 | 8.6 | 4.8 |
| Cards on issue | 66.3 | 0.2 | 0.0 | 2.1 | 1.4 |
| of which: Credit and charge cards | 16.6 | −0.7 | 0.0 | −5.5 | −0.2 |
| of which: Debit cards | 49.7 | 0.5 | 0.0 | 5.0 | 1.9 |
| New Payments Platform transactions | 163.8 | 1.7 | 1.2 | 17.1 | 12.1 |
| Cheque payments | 0.8 | −6.2 | −3.0 | −28.6 | −29.9 |
Source: RBA |
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| Domestic cards - device present (Per cent) |
Domestic cards - device not present (Per cent) |
International cards (Per cent) |
Total (Per cent) |
|
|---|---|---|---|---|
| Debit | ||||
| eftpos | 0.41 | - | - | 0.42 |
| Mastercard | 0.54 | 0.52 | - | 0.58 |
| Visa | 0.51 | 0.42 | - | 0.55 |
| Credit | ||||
| American Express | 1.30 | 1.32 | 1.66 | 1.33 |
| Mastercard | 0.87 | 0.84 | 2.69 | 0.97 |
| Visa | 0.87 | 0.79 | 2.81 | 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.