Payment habits in Australia and New Zealand

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Country

November 25, 2025

New Zealand

In terms of payment habits, cash usage in New Zealand continues to decline, although it remains relevant for small purchases, rural communities, and older demographics. Growing adoption of cashless payments, contactless cards, and mobile wallets has reduced dependence on physical currency, highlighting New Zealand’s shift toward a digital-first economy. Card penetration is extremely high, with widespread use of Visa, Mastercard, and EFTPOS debit cards.

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Country

November 5, 2025

Australia

Australia, a highly developed country in the Southern Hemisphere, is located between the Indian and Pacific Oceans and includes the mainland, Tasmania, and numerous smaller islands. Australia has a population of approximately 26 million in 2023, with major cities like Sydney, Melbourne, and Brisbane serving as economic, financial, and cultural hubs.

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