New Zealand adults using cash, credit cards and debit cards or EFTPOS; %, Sep 2025; responses overlap.
New Zealand adults’ use of cash, credit cards and debit cards or EFTPOS for everyday purchases is compared in September 2025. Each value is the weighted share of respondents selecting that payment method, and respondents could select more than one method. Debit cards or EFTPOS were used by 80.5%, compared with 40.3% for cash and 39.4% for credit cards. Because the responses overlap, the three percentages must not be added or treated as a payment-method market share.
| Rank | Entry | Value | Period |
|---|---|---|---|
| 1 | Debit card or EFTPOS | 80.5% | Sep 2025 |
| 2 | Cash | 40.3% | Sep 2025 |
| 3 | Credit card | 39.4% | Sep 2025 |
Source 1: Reserve Bank of New Zealand Cash Use Survey Series
Publisher: Reserve Bank of New Zealand
Dataset/table: Cash Use Survey
Units: percent
Date checked: 2026-07-18
Evidence: Provides the official weighted share using each everyday payment method values used for September 2025.
The estimates are weighted percentages of New Zealand usually resident adults in the survey panel; percentages do not sum to 100% because the question allowed multiple selections.
The three September 2025 payment-method usage rates are compared as overlapping survey responses. They are not added or converted into a composition because adults could select more than one method.
Every percentage uses the same final September 2025 RBNZ Cash Use Survey release and weighted adult population.
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