Global Major Cities Guide

An outline of common payment methods in Hobart, such as cash, cards, and digital wallets.

Hobart, like the rest of Australia, is highly modernized in terms of payment systems. Here are the most common methods:

Cash is still accepted in most places, but its use is declining as digital payments become more prevalent.
It’s a good idea to carry a small amount of cash for smaller businesses, markets, or rural areas where card payments may not be available.
ATMs are widely available in Hobart, including in shopping centers, banks, and convenience stores.

Credit and debit cards are the most widely used payment methods in Hobart.
Accepted Card Networks:
- Visa
- Mastercard
- American Express (AMEX) (though less commonly accepted in smaller businesses)
- EFTPOS (Australia’s domestic debit card system)
Contactless Payments:
- Most businesses accept contactless payments via cards with NFC (Near Field Communication) technology. This is often referred to as "Tap and Go."
- The limit for contactless payments without a PIN is typically AUD 200, but this may vary depending on the card issuer.

Mobile payment systems are widely accepted in Hobart, especially in urban areas.
Popular mobile payment platforms include:
- Apple Pay
- Google Pay
- Samsung Pay
These platforms work seamlessly with most Australian payment terminals, provided your card is linked to the app.

Some businesses may also accept payments through digital wallets or apps like PayPal or Afterpay (a buy-now-pay-later service popular in Australia).

No fees are associated with using cash, but withdrawing cash from ATMs may incur fees:
- Domestic ATMs: Many Australian banks offer free withdrawals for their customers, but non-bank ATMs or those operated by independent providers may charge a fee (usually AUD 2–3 per transaction).
- International Cards: Using a foreign card at an ATM may incur additional fees, including:
  - A withdrawal fee from the ATM operator.
  - A foreign transaction fee from your home bank (typically 1–3% of the transaction amount).

Using credit or debit cards in Hobart is generally straightforward, but be aware of the following:
- Foreign Transaction Fees: If you’re using an international card, your bank may charge a foreign transaction fee (usually 1–3% of the purchase amount).
- Dynamic Currency Conversion (DCC): Some merchants may offer to charge your card in your home currency instead of AUD. This is called DCC, and it often comes with unfavorable exchange rates. It’s usually better to pay in AUD.
- Surcharges: Some businesses (especially smaller ones) may apply a surcharge for card payments, typically around 1–2% of the transaction amount. This is more common for AMEX cards.

Mobile payment platforms like Apple Pay or Google Pay do not typically incur additional fees, but the same foreign transaction fees or surcharges may apply if linked to an international card.

If you’re bringing foreign currency to Hobart, you’ll need to exchange it for Australian Dollars. Here’s how:

Banks: Major banks like Commonwealth Bank, ANZ, NAB, and Westpac offer currency exchange services. However, their rates may not be as competitive as dedicated exchange services.
Currency Exchange Services:
- Travelex (available at Hobart Airport and in the city center)
- Travel Money Oz
- Other local exchange bureaus
Airports: Currency exchange counters are available at Hobart International Airport, but they often have less favorable rates compared to city locations.
Hotels: Some hotels may offer currency exchange, but rates are usually less competitive.

ATMs are a convenient way to withdraw Australian Dollars directly using your international debit or credit card. However, be mindful of fees (as mentioned above).

Compare rates at different exchange providers to get the best deal.
Avoid exchanging money at airports unless absolutely necessary, as their rates are typically less favorable.
Check if your home bank has partnerships with Australian banks to reduce ATM withdrawal fees.

If you’re a tourist, you may be eligible for a GST (Goods and Services Tax) refund on purchases over AUD 300 made at a single retailer within 60 days of departure.
To claim, you’ll need:
- The original tax invoice.
- The goods (which must be taken out of Australia in your carry-on luggage).
- Your passport and boarding pass.
Refunds can be claimed at the TRS counter at Hobart Airport.

Tipping is not mandatory in Australia, including Hobart. However, it is appreciated for exceptional service, particularly in restaurants or for tour guides. If you choose to tip, cash is preferred, but you can also add a tip when paying by card.

While most businesses in Hobart accept cards, some smaller vendors, especially at local markets (e.g., Salamanca Market), may prefer cash. It’s a good idea to carry a small amount of cash for such situations.

To use mobile payment platforms like Apple Pay or Google Pay, ensure you have a reliable internet connection. Free Wi-Fi is available in many public areas in Hobart, including the city center and major tourist attractions.

Consider using a prepaid travel card (e.g., Wise, Revolut, or Travelex Money Card) to avoid high foreign transaction fees. These cards allow you to load AUD at competitive exchange rates and use them like a local debit card.

Use credit/debit cards or mobile payments for most transactions, as they are widely accepted.
Carry a small amount of cash for emergencies or small vendors.
Avoid Dynamic Currency Conversion (DCC) and always pay in AUD.
Compare currency exchange rates and fees before exchanging money.
Consider prepaid travel cards to save on fees and get better exchange rates.

By following these guidelines, you’ll be well-prepared to handle payments smoothly during your time in Hobart. Enjoy your visit!