Access Regime for the ATM System Variation 2025

1. Name

This instrument is the Access Regime for the ATM System Variation 2025.

2. Commencement

This instrument commences on 1 October 2025.

3. Authority

The Reserve Bank of Australia determines this variation under subsection 14(1) of the Payment Systems (Regulation) Act 1998.

4. Variation

The Access Regime for the ATM System is amended as set out in Schedule 1 to this instrument.

Signed

Michele Bullock
Governor
Reserve Bank of Australia

Dated: 17 September 2025

Access Regime for the ATM System

1.                  Paragraph 3 (definition of Access Provider)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.                  Paragraph 3 (definition of Access Seeker)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.                  Paragraph 3 (definition of APCA and APCA’s 2008 costs survey)

Repeal the following definitions:

1.     ‘APCA’; and
2.     ‘APCA’s 2008 costs survey’.

1.                  Paragraph 3

Insert the following definition:

‘ATM Access Standard’ means the ATM Access Standard developed and administered by AusPayNet with a commencement date of 1 October 2025, as in force on that date;

1.                  Paragraph 3 (definition of an ATM Acquirer)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.                  Paragraph 3 (definition of ATM Access Code)

Repeal the definition.

1.                  Paragraph 3 (definition of an ATM Issuer)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.                  Paragraph 3:

Insert the following definitions:

‘AusPayNet’ means Australian Payments Network Limited (ACN 055 136 519);

‘AusPayNet’s 2008 costs survey’ is the survey, conducted by AusPayNet, of the estimated incremental direct costs to Access Providers of providing to an Access Seeker a Direct Connection Service or a Direct Clearing/Settlement Service, the final results of which were supplied to the Reserve Bank of Australia in November 2008;

1.                  Paragraph 3 (definition of Connection Agreement)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.              Paragraph 3 (definition of Connection Charge)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.              Paragraph 3 (definition of Direct Clearing/Settlement Service)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.              Paragraph 3 (definition of Direct Connection Service)

Omit “ATM Access Code”, substitute “ATM Access Standard”.

1.              Paragraph 7

Omit all the words after “3 March 2009”, substitute “and remains in force, as varied from time to time, until it is revoked by the Reserve Bank of Australia or it otherwise ceases to be in force in accordance with subsection 15(1) of the Payment Systems (Regulation) Act 1998”.

1.               Paragraph 9

Omit “APCA’s 2008 costs survey”, substitute “AusPayNet’s 2008 costs survey”.