Disclosures on Retail Payments Service Reliability

The Reserve Bank requires individual providers of payment services to households and businesses to publish statistics about the reliability of their services on their websites. These disclosures are intended to support transparency about retail payment service reliability.

The disclosures provide a standard set of quarterly statistics on significant outages and availability for individual services offered by the retail payments provider. The specified individual services are: ATMs, branches, cardholder payments, card acceptance for businesses, access to accounts using online banking, ‘fast’ account transfers and ‘next business day’ account transfers.

The list of providers and the links to their website disclosures is available below. Customers can also find the disclosures on their providers' website by searching for ‘payment service availability’.

Further information is available in the Quarterly Disclosures – Retail Payment Service Reliability, or in the media release issued on 15 November 2021.

Providers of retail payment services	Website links
Adelaide Bank	https://www.adelaidebank.com.au/availability-of-payment-services/
Adyen Australia	https://www.adyen.com/platform/licenses
AMP	https://www.amp.com.au/banking/bank-terms-and-conditions/incident-and-disclosure-reporting
ANZ	https://www.anz.com.au/ways-to-bank/
ANZ Worldline	https://anzworldline.com.au/en/home/retail-payments-service-reports.html
Bank Australia	https://www.bankaust.com.au/support/disclosures
Bankwest	https://www.bankwest.com.au/help/payments/payments-services-availability
Bank of Queensland	https://www.boq.com.au/important-information/availability-of-payment-services
Bank of Queensland Specialist	https://www.boqspecialist.com.au/important-information/availability-of-payment-services
Bank of Melbourne, Bank of South Australia and St George^*	https://www.bankofmelbourne.com.au/help/terms-conditions/retail-payment-service-availability https://www.banksa.com.au/help/terms-conditions/retail-payment-service-availability https://www.stgeorge.com.au/help/terms-conditions/retail-payment-service-availability
Bendigo Bank	https://www.bendigobank.com.au/availability-of-payment-services/
Beyond Bank	https://www.beyondbank.com.au/about-us/disclosures/retail-payment-incident-report.html
Commonwealth Bank of Australia	https://www.commbank.com.au/support/payments-services-availability.html
Citibank Australia	https://www1.citibank.com.au/help-and-support/operational-incident-quarterly-reporting
Greater Bank	https://www.greater.com.au/help/legal/regulatory-disclosures/
Great Southern Bank	https://www.greatsouthernbank.com.au/about/corporate-governance/payment-availability
Heritage Bank	https://www.heritage.com.au/about/our-company/payment-service-availability
HSBC Bank Australia	https://www.hsbc.com.au/help/payments-services-availability
IMB	https://www.imb.com.au/about-members-availability-of-payments-services.html
ING Australia	https://www.ing.com.au/about-us/service-availability.html
Macquarie Bank	https://www.macquarie.com.au/important-information/payment-services-availability.html
ME	https://www.mebank.com.au/about-us/governance/retail-incident-reporting/
MyState Bank	https://mystate.com.au/legal/
National Australia Bank	https://www.nab.com.au/about-us/payment-service-availability
Newcastle Permanent Building Society	https://www.newcastlepermanent.com.au/about-us/regulatory-disclosures
People's Choice Credit Union	https://www.peopleschoice.com.au/managing-my-money/accessing-my-money/payment-service-availability
Qudos Bank	https://www.qudosbank.com.au/payment-service-availability
Rabobank Australia	https://www.rabobank.com.au/corporate/legal/
Rural Bank	https://www.ruralbank.com.au/availability-of-payment-services/
Suncorp-Metway	https://www.suncorp.com.au/banking/help-support/payment-service-availability.html
Teachers Mutual Bank, Health Professionals Bank, UniBank, Firefighters Mutual Bank and Hiver Bank^*	https://www.tmbl.com.au/about/reports-and-credit-rating/payment-services-availability-disclosure
Tyro Payments	https://www.tyro.com/availability-of-retail-payments-services/
UBank	https://www.ubank.com.au/service-availability
Up	https://up.com.au/up-time/
Virgin Money	https://virginmoney.com.au/about-us/availability-of-payment-services
Westpac	https://www.westpac.com.au/terms-conditions/retail-payment-service-availability/
*These providers report on a consolidated basis