Retail Payments December 2021

Release date: 7 February 2022

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

Value of Retail Payments
	Value ($ billion)	Growth (Per cent)
		Monthly		Year-ended
	Dec 2021	Nov 2021	Dec 2021	Dec 2020	Dec 2021
ATM withdrawals	8.4	2.7	-1.8	-13.6	-6.5
Total card purchases on Australian-issued cards	65.8	10.3	-5.8	5.9	7.5
of which: Credit and charge cards	27.6	9.6	-5.4	-6.5	4.4
of which: Debit cards	38.2	10.8	-6.1	17.7	9.8
Total balances outstanding on credit and charge cards	37.2	5.4	-2.6	-20.6	-4.3
of which: Balances accruing interest	18.2	-1.2	-0.3	-27.1	-12.7
New Payments Platform transactions	98.4	4.4	4.0	85.7	55.7
Cheque payments	28.4	3.3	-6.0	-32.6	-10.2
Source: RBA

Number of Retail Payments
	Number (Million)	Growth (Per cent)
		Monthly		Year-ended
	Dec 2021	Nov 2021	Dec 2021	Dec 2020	Dec 2021
ATM withdrawals	29.9	3.5	0.2	-21.1	-13.7
Total card purchases on Australian-issued cards	1040.5	9.6	-3.3	10.6	4.6
of which: Credit and charge cards	263.8	7.0	-0.9	1.5	2.3
of which: Debit cards	776.7	10.4	-4.0	14.2	5.3
Cards on issue	59.9	0.2	0.1	-1.6	1.8
of which: Credit and charge cards	17.6	-0.2	-0.1	-9.0	-4.0
of which: Debit cards	42.3	0.4	0.2	2.2	4.4
New Payments Platform transactions	85.0	1.8	1.5	87.5	33.8
Cheque payments	2.4	-0.4	-3.0	-27.5	-23.4
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.