Discount for cash · Australia wide
Discount for cash: every state, city, town and trade
Card surcharges are being removed from 1 October 2026. The Reserve Bank of Australia says discounts for particular payment methods can continue, so a discount for cash is now the main pricing lever a venue has. Find your state, city or trade below.
Most enquiries receive a response within 3 hours during business hours.
Short answer
Can an Australian business offer a discount for cash?
Yes. The Reserve Bank of Australia states businesses can continue to offer discounts for particular payment methods, and that removing its prohibition on no-surcharge rules is not intended to prevent discounts being offered to consumers for using certain payment methods. Card surcharging is being removed from 1 October 2026, so the discount is the lever that remains — and it only works if customers can get cash on site.
Sources: Reserve Bank of Australia, Removal of Payment Surcharges From 1 October 2026 — Frequently Asked Questions and Conclusions Paper, Chapter 2. Reviewed 9 September 2026.
Discount for cash · or sign
What it means for your venue
A discount for cash is now the main pricing lever a venue has. It only changes behaviour if customers can get cash on site, so pair the offer with an ATM in line of sight of the counter and clear signage at the point of decision.
Government / official source: Reserve Bank of Australia
General information only, summarised from the official source above on 9 September 2026. Not financial, legal or taxation advice — verify the detail with the source document before acting.
By state
States and territories
- Discount for cash in New South WalesPricing, signage and cash access for NSW businesses.
- Discount for cash in VictoriaPricing, signage and cash access for VIC businesses.
- Discount for cash in QueenslandPricing, signage and cash access for QLD businesses.
- Discount for cash in Western AustraliaPricing, signage and cash access for WA businesses.
- Discount for cash in South AustraliaPricing, signage and cash access for SA businesses.
- Discount for cash in TasmaniaPricing, signage and cash access for TAS businesses.
- Discount for cash in Australian Capital TerritoryPricing, signage and cash access for ACT businesses.
- Discount for cash in Northern TerritoryPricing, signage and cash access for NT businesses.
By city
Cities and major centres
- Discount for cash in SydneySydney, NSW — local trading detail.
- Discount for cash in MelbourneMelbourne, VIC — local trading detail.
- Discount for cash in BrisbaneBrisbane, QLD — local trading detail.
- Discount for cash in PerthPerth, WA — local trading detail.
- Discount for cash in AdelaideAdelaide, SA — local trading detail.
- Discount for cash in Gold CoastGold Coast, QLD — local trading detail.
- Discount for cash in NewcastleNewcastle, NSW — local trading detail.
- Discount for cash in CanberraCanberra, ACT — local trading detail.
- Discount for cash in HobartHobart, TAS — local trading detail.
- Discount for cash in DarwinDarwin, NT — local trading detail.
- Discount for cash in WollongongWollongong, NSW — local trading detail.
- Discount for cash in GeelongGeelong, VIC — local trading detail.
- Discount for cash in Sunshine CoastSunshine Coast, QLD — local trading detail.
- Discount for cash in TownsvilleTownsville, QLD — local trading detail.
- Discount for cash in CairnsCairns, QLD — local trading detail.
By town
Regional towns and service centres
- Discount for cash in ToowoombaToowoomba, QLD — regional cash access.
- Discount for cash in RockhamptonRockhampton, QLD — regional cash access.
- Discount for cash in MackayMackay, QLD — regional cash access.
- Discount for cash in BundabergBundaberg, QLD — regional cash access.
- Discount for cash in BallaratBallarat, VIC — regional cash access.
- Discount for cash in BendigoBendigo, VIC — regional cash access.
- Discount for cash in SheppartonShepparton, VIC — regional cash access.
- Discount for cash in MilduraMildura, VIC — regional cash access.
- Discount for cash in Wagga WaggaWagga Wagga, NSW — regional cash access.
- Discount for cash in DubboDubbo, NSW — regional cash access.
- Discount for cash in TamworthTamworth, NSW — regional cash access.
- Discount for cash in OrangeOrange, NSW — regional cash access.
- Discount for cash in AlburyAlbury, NSW — regional cash access.
- Discount for cash in Coffs HarbourCoffs Harbour, NSW — regional cash access.
- Discount for cash in Port MacquariePort Macquarie, NSW — regional cash access.
- Discount for cash in BunburyBunbury, WA — regional cash access.
- Discount for cash in GeraldtonGeraldton, WA — regional cash access.
- Discount for cash in KalgoorlieKalgoorlie, WA — regional cash access.
- Discount for cash in Mount GambierMount Gambier, SA — regional cash access.
- Discount for cash in WhyallaWhyalla, SA — regional cash access.
- Discount for cash in LauncestonLaunceston, TAS — regional cash access.
- Discount for cash in DevonportDevonport, TAS — regional cash access.
- Discount for cash in Alice SpringsAlice Springs, NT — regional cash access.
Cash on site · free placement
An ATM in line of sight of the counter
Under free ATM placement we supply, install, cash-load, monitor and service the machine, the venue pays nothing, and the venue earns a share of every withdrawal. That is what turns a cash price on a sign into cash in the till.
Government / official source: Reserve Bank of Australia
General information only, summarised from the official source above on 9 September 2026. Not financial, legal or taxation advice — verify the detail with the source document before acting.
By business
Business types that need an ATM now
Where the customer decides at the counter, a cash price and an ATM work together.
- Discount for cash for convenience storesHow to price it and where to put the sign.
- Discount for cash for service stationsHow to price it and where to put the sign.
- Discount for cash for pubs and hotelsHow to price it and where to put the sign.
- Discount for cash for clubs and RSLsHow to price it and where to put the sign.
- Discount for cash for cafes and takeaway shopsHow to price it and where to put the sign.
- Discount for cash for bottle shopsHow to price it and where to put the sign.
- Discount for cash for restaurantsHow to price it and where to put the sign.
- Discount for cash for barbers and salonsHow to price it and where to put the sign.
- Discount for cash for laundromats and 24-hour sitesHow to price it and where to put the sign.
- Discount for cash for market stalls and eventsHow to price it and where to put the sign.
- Discount for cash for caravan parks and campgroundsHow to price it and where to put the sign.
- Discount for cash for hotels and motelsHow to price it and where to put the sign.
- Discount for cash for gyms and leisure centresHow to price it and where to put the sign.
- Discount for cash for butchers, bakeries and grocersHow to price it and where to put the sign.
- Discount for cash for mechanics and tyre shopsHow to price it and where to put the sign.
- Discount for cash for adult entertainment venuesHow to price it and where to put the sign.
FAQ
Discount for cash — common questions
A discount for cash is a reduction from a business's normal displayed price that applies only when the customer pays with notes and coins. The displayed price stays the price everyone pays, and the cash price sits below it.
Yes. The Reserve Bank of Australia states businesses can continue to offer discounts for particular payment methods, and that removing its prohibition on no-surcharge rules is not intended to prevent discounts being offered to consumers for using certain payment methods. Card surcharging itself is being removed as the card networks introduce no-surcharge rules from 1 October 2026.
Because a cash price only changes behaviour if the customer has notes in hand at the counter. Where the nearest ATM is a block away, most customers use a card anyway. Free ATM placement puts a machine in line of sight of the counter at no cost to the venue.
Businesses where the customer decides at the counter and baskets are small and frequent — convenience stores, service stations, cafes and takeaway, pubs, clubs, bottle shops, markets, laundromats and salons. Higher-value trades such as mechanics, restaurants and accommodation usually price a percentage discount instead of a flat one.
Pair your cash offer with an ATM at no cost
We supply, install, cash-load and service the machine, and you earn a share of every withdrawal. Phone 0412 025 552, Mon–Fri 8:30am – 7:30pm AEST.
How to make it work
Pairing the cash offer with an ATM
Three question pages covering the operational side: cash access, signage and float planning.
- How do I pair a cash discount with an ATM?Sightlines, siting, signage and the sentence staff say at the counter.
- What signage do I need for a cash discount?Where each sign goes and how to keep both prices accurate.
- How much cash float do I need?Change mix, banking and who funds the notes in the machine.
Disclaimer: general information only, summarised from publicly available Reserve Bank of Australia material and reviewed on 9 September 2026. Not financial, legal or taxation advice — verify the detail with the source document before acting. ATMcash Australia accepts no liability for decisions made in reliance on this page.