eVisitor GuideAustralia · eVisitor visa (subclass 651)

Money in Australia: cash, card surcharges, GST and tipping

Prices include 10% GST, card surcharges are banned from 1 October 2026, and tipping is optional. Cash of AUD 10,000+ must be declared.

Checked 12 October 2026

Australia uses the Australian dollar (AUD). A few rules are worth knowing before you pay for anything — one of them changed very recently.

The price on the tag includes tax

Goods and services tax (GST) is 10%, and businesses must display a total price that includes it. What you see is what you pay at the till.

No more card surcharges

From 1 October 2026, businesses can no longer add a surcharge for payments made with Visa, Mastercard, American Express or eftpos cards — credit, debit or prepaid. Before that date, many cafés and taxis added a percentage for card payments. If you are charged a card surcharge now, it is worth questioning.

Weekend and public holiday surcharges are a separate thing and are still allowed — some cafés and restaurants add one on Sundays and public holidays. Your own bank may also charge a foreign transaction fee; that is between you and your bank.

Tipping

Tourism Australia describes tipping as optional and not expected in most places. In upmarket restaurants, around 10% for good service is common. You will not cause offence by not tipping in a café or a taxi.

Cash of AUD 10,000 or more must be declared

There is no limit on how much money you can bring into or take out of Australia. But if you carry cash and instruments such as traveller's cheques, cheques or money orders — in any currency — with a combined value of AUD 10,000 or more, you must declare it when you arrive and when you leave.

Source: AUSTRAC — Moving money across international borders

Source: ACCC — Card surcharges

Source: Tourism Australia — Key facts about Australia

Common questions

Is it illegal to bring more than AUD 10,000 into Australia?

No. There is no limit. Amounts of AUD 10,000 or more in cash and similar instruments must be declared, that is all.

Can shops still charge extra for paying by card?

Not for Visa, Mastercard, American Express or eftpos cards from 1 October 2026. Weekend and public holiday surcharges are a separate matter and are still allowed.

Should I tip in Australia?

It is optional. Around 10% in upmarket restaurants is common; elsewhere it is not expected.