The vision for account-to-account (A2A) payments
Integral to Australia's economic future
Every day, Australian consumers, businesses, and government agencies rely on A2A payments. The A2A payment system supports all types of payments including wages, superannuation, welfare, bills, and transfers of money to family and friends.
The vision for A2A payments
As Australia’s economy becomes more digital, A2A payments must continue to evolve to meet changing technologies, expectations and user needs.
The vision for A2A payments in Australia sets out long-term goals for Australia’s A2A payments system. It aims to ensure A2A payments remain safe, reliable, affordable, easy to use and inclusive.
The A2A payments vision was developed by the Account-to-Account Payments Roundtable through consultation with industry, businesses, government and end users.
Media release
The vision for A2A payments in Australia was published in July 2026.
Public consultation
The vision was shaped through engagement with a broad range of end-users of Australia’s A2A payments ecosystem.
The Account-to-Account Payments Roundtable brings together Australian Payments Network (AusPayNet), Australian Payments Plus (AP+), the Reserve Bank of Australia (RBA), and Commonwealth Treasury to support discussion and coordination on the future of account-to-account payments in Australia. The Roundtable is not a governance or decision-making body. Participating organisations retain their respective responsibilities, governance arrangements, and independence. This website is managed by Australian Payments Plus (AP+) on behalf of the Account-to-Account Payments Roundtable.
In the spirit of reconciliation, the Account-to-Account Payments Roundtable acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
©2026 The material on this website is subject to copyright, with portions of the material owned by Australian Payments Plus, Australian Payments Network Limited, the Reserve Bank of Australia and Commonwealth Treasury. All rights are reserved unless otherwise indicated.
