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Card payment surcharges should be banned for debit and credit payments, RBA says
(www.theguardian.com)
this post was submitted on 15 Jul 2025
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I'm with the RBA on this one. The price on the sticker should be what I pay no matter the format I pay in. It's one of the great things about aus.
Cash still has significant overhead and businesses manage to account for that. Digital should be no different.
Then it should be cheaper for cash payment.
Oh for sure. Cash is expensive to count, store and move. Never understood how an armour guard car with 2 people emptying ticket machines made much sense, even back in the day.
However, the infrastructure to run electronics payments is not trivial. The combination of volume, security and reliability needed adds up in hardware and software. I doubt it will ever be free to transfer money in any form.
Several neo-banks provide. free, instant SEPA transfers. Sure, it's not debit, but it's a form of free money transfer. Also monthly charge.
Yes, one might argue that you are the product then. But I really don't see what they might be getting from these clients. Must be something I'm not aware of. No ads, no upsell (apart from occasional offer to paid plan), ...