Save your business thousands per year before the RBA surcharge ban hits
From October 1, 2026, you can no longer pass card fees to customers. Find out exactly how much it costs you — and how to minimise it.
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What's Changing in October 2026?
Source: Reserve Bank of Australia — Conclusions Paper, March 2026
Official RBA Interchange Fee Reduction
Credit card interchange drops from 0.8% to 0.3%. Debit drops to 8c or 0.16% (whichever is lower). The RBA estimates this will save Australian merchants ~$910 million annually.
Source: RBA Interchange Fees — Conclusions Paper ↗Surcharge Ban
From October 1, 2026, businesses can no longer add surcharges on eftpos, Visa, or Mastercard payments. American Express is not included.
ACCC Card Surcharges ↗Lower Interchange Fees
Credit card interchange drops from 0.8% to 0.3%. Debit drops to 8c or 0.16% (whichever is lower). Saving merchants ~$910M annually.
RBA Interchange Fees ↗$1.6B Consumer Savings
The RBA estimates consumers will save ~$1.6 billion per year from eliminated surcharges. Merchants absorb the (now lower) processing costs.
RBA Media Release ↗