Australian Dollar

ANZ (Australia and New Zealand Banking Group) is a major regional bank operating across the Pacific. It provides retail and commercial banking, debit/credit cards, ATMs, and internet/mobile banking to account holders in Fiji, Kiribati, Solomon Islands, Tonga, Tuvalu, Vanuatu and Samoa.

Bank of Kiribati (an ANZ-affiliated institution) is a primary commercial bank in Kiribati, offering accounts, cards and ATM access. Kiribati uses the Australian dollar.

Zip is Australia's leading homegrown BNPL provider, offering interest-free instalment options for online and in-store purchases. It has expanded internationally to New Zealand and the United States, but retains a dominant position in its home market, competing directly with Klarna and Afterpay. Shoppers split purchases into weekly or fortnightly payments with no interest charged on most plans.

The National Bank of Tuvalu is the sole commercial bank in Tuvalu, providing deposit accounts, cash services, and basic banking. Tuvalu uses the Australian dollar; the bank handles most domestic and government banking.

Bendigo Bank operated the only banking branch in Nauru, providing account services, debit card issuance, and ATM access. The bank announced its withdrawal from Nauru, which was delayed to June 2025 amid the national banking crisis. The situation has prompted the World Bank and regional partners to seek solutions for Nauru's banking access.

Australian bank-backed digital wallet for instant payments, requests and online purchases. Operator: Australian Payments Plus (eftpos). Est. users: 1.6 million+ users (2024).

Australia's ubiquitous biller-code bill payment scheme accessed through online and mobile banking. Operator: BPAY Group (Australian Payments Plus). Est. users: Tens of millions of users (2024).

Australian BNPL provider for both small and larger-ticket installment purchases online and in-store. Operator: Humm Group Limited. Est. users: 2.7 million users globally (2024).

New Zealand BNPL service splitting purchases into six weekly interest-free payments at online checkout. Operator: Laybuy Group Holdings. Est. users: 900,000+ users (2024).

Real-time payment service on the New Payments Platform using PayID identifiers for instant transfers. Operator: BPAY Group / Australian Payments Plus (NPP). Est. users: 25 million+ PayIDs registered (2024).

Leading Australian BNPL service splitting purchases into four interest-free installments online and in-store. Operator: Afterpay (Block, Inc.). Est. users: 3.5 million active AU users (2024).

CBA is Australia's largest bank by market capitalisation and retail deposits, offering retail, SME, corporate, and institutional banking.

Westpac is Australia's oldest bank, offering retail, SME, corporate, and institutional banking with a strong presence in New Zealand.

ANZ is Australia's third-largest bank, with a strong institutional banking franchise and significant presence across Asia-Pacific and New Zealand.

NAB is Australia's fourth-largest bank, focusing on SME and corporate banking, with retail operations and a strong agribusiness franchise.

ANZ NZ is New Zealand's largest bank, a subsidiary of ANZ Banking Group, offering retail, SME, and corporate banking.

Rabobank is a Dutch cooperative bank and global leader in food and agribusiness financing. It is one of the most financially sound banks in the world.

ASB Bank is a major New Zealand bank, a subsidiary of Commonwealth Bank of Australia, offering retail, SME, and corporate banking.

Aggregate of remaining banks in Australia, collectively ~18.3% of domestic banking assets.

Aggregate of remaining banks in Kiribati, collectively ~100.0% of domestic banking assets.

Aggregate of remaining banks in Nauru, collectively ~100.0% of domestic banking assets.

Aggregate of remaining banks in Tuvalu, collectively ~100.0% of domestic banking assets.