Retail Payments January 2022

Release date: 7 March 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
	Jan 2022	Dec 2021	Jan 2022	Jan 2021	Jan 2022
ATM withdrawals	8.4	-1.9	-0.3	-12.7	-6.7
Total card purchases on Australian-issued cards	66.9	-5.8	1.5	4.7	10.7
of which: Credit and charge cards	28.0	-5.6	1.3	-7.8	7.7
of which: Debit cards	38.9	-5.9	1.7	16.8	13.0
Total balances outstanding on credit and charge cards	36.4	-1.9	-1.7	-21.3	-5.1
of which: Balances accruing interest	18.0	-0.4	-0.9	-27.7	-12.4
New Payments Platform transactions	96.9	1.4	1.0	72.7	59.1
Cheque payments	28.3	-6.1	0.0	-29.8	-11.6
Source: RBA

Number of Retail Payments
	Number (Million)	Growth (Per cent)
		Monthly		Year-ended
	Jan 2022	Dec 2021	Jan 2022	Jan 2021	Jan 2022
ATM withdrawals	29.2	0.4	-1.9	-20.8	-15.7
Total card purchases on Australian-issued cards	1046.9	-3.0	-0.2	10.7	4.7
of which: Credit and charge cards	265.5	-1.8	1.1	3.0	1.0
of which: Debit cards	781.3	-3.4	-0.6	13.7	6.0
Cards on issue	59.8	0.1	-0.1	-1.7	1.6
of which: Credit and charge cards	17.6	-0.1	-0.2	-9.1	-3.7
of which: Debit cards	42.2	0.2	-0.1	2.0	4.0
New Payments Platform transactions	83.5	1.6	-1.5	75.5	32.0
Cheque payments	2.3	-3.0	-2.6	-27.2	-23.8
Source: RBA

All levels and growth rates are seasonally adjusted, except for those relating to the New Payments Platform and 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.