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Uber Eats Statistics

Report Highlights

  • Uber Eats launched in Australia in 2016. It is available for both iOS & Android devices and can also be accessed using web browsers.
  • Each year, Aussies spend approximately $2.6 billion on food and drink orders made through popular food delivery companies such as Uber Eats, Foodora, and Menulog.
  • Uber Eats takes between 20 and 30% of the total revenue generated per trip.
  • Aussies make approximately 7,000 food delivery orders an hour.
  • Uber Eats provides job opportunities for approximately 59,000 people in Australia.

More statistics: Employee Statistics, Credit Card Statistics, Welfare Statistics.

uber eats statistics

User Statistics relating to Food Delivery Services

  • One in every three Aussies who reside in major cities uses food delivery services.
  • Food delivery services represent 12% of the sales made in the takeaway food delivery, café, and restaurant industry.
  • The food delivery industry in Australia has grown by 18% over the last three years.
  • In 2018, Australians spent about $12,300 on food and non-alcoholic drinks alone.
  • Uber Eats is the largest food delivery service in 2021, serving 12.8% of Aussies, up from 11.5% in February 2020. The new numbers are contributed to by, one in five of the millennials and another 20% of Generation Z.
  • The platform was available in more than 18 cities as of 2019 and it supports over 30,000 restaurants within Australia.

Delivery Workers Statistics

Uber Eats supports 59,000 workers in Australia, a figure which has been consistently rising over the years. It started with 7,000 in 2016 increasing to 27,000 in 2017. It then shot up to 46,000 and then 55,000 in 2018 and 2019 respectively.

  • During peak hours, the average delivery worker on Uber Eats can earn as much as $21.6 hourly. Workers who make deliveries using cars make an average of $20.47, cyclists $21.92 and those using motorcycles an average of $21.97.
  • As far as fulfilment is concerned, majority of the workers agree that they’ve got flexible working conditions. 89% of them report a high level of satisfaction, 7% are neutral and 5% report low levels of satisfaction.
  • Three in five Uber Eats workers clock 20 or fewer working hours per week with only 21% of the total reaching 30 or more hours per week.
  • Majority of the workers, 32%, work between 11 and 20 hours per week.
  • Uber Eats workers take part in other activities outside of the deliveries with 34% of them studying and 79% of them employed at one or more jobs.
  • Uber Eats also provides support to workers who would otherwise be unable to pursue traditional employment opportunities. Of its employees, only 7% would qualify for the traditional employment spots while up to 60% would find it difficult.
  • 81% of Uber Eats workers are satisfied with the job, 82% say they love the work itself, 75% like the hours worked while 67% say it was the pay that they like.
  • The basic average cost incurred by all delivery workers includes $37 worth of background checks, and a $45 the delivery bag. In the case of cars owners, there is an additional maintenance cost approximated at $0.08 per km while the maintenance cost is $0.06 and $0.04 per km for motorcycles and bicycles respectively.

Competitor Statistics

In 2018, the combined penetration of food delivery services in Australia was 32%.

  • Uber Eats topped the list with a 19.5% penetration followed by Menulog at 18.6%, Deliveroo at 9.7% and Foodora (which exited the Australian market the same year) at 5.3%.
  • Australians spend a significant portion of their money on food delivery each month. Customers employing Uber Eats services spent a monthly average of $946. Deliveroo and Foodora user spent $836 and $885 each month.
  • The average number of orders made per month varied for each delivery service but none exceeded 3 orders per customer.
  • Menulog and Deliveroo had an average of 2 orders a month while Uber Eats and Foodora got an average of 2.2 orders every month.
  • The average value of orders made by customers on the respective services had Menulog at the peak with $39.6, followed by Uber Eats at $36.5, Deliveroo at $34.4, and Foodora at $33.7.

The average spending of Aussies on food delivery services has since increased.

  • By February 2021, customers were spending an average of $44 per delivery order on Uber Eats’ platform, a figure also recorded for Menulog customers.
  • DoorDash customers had the lowest average spend at $39 while Deliveroo customers led the charts with an average figure of $51 per order.

COVID-19 Pandemic Impact on Uber Eats

  • 77% of Uber Eats’ delivery staff were not eligible for governmental support during the COVID-19 pandemic.
  • 65% of these staff cited VISA restrictions as the main reason for ineligibility.
  • 60% of the delivery staff joined Uber Eats to support themselves against the adverse effects of the pandemic.
  • In response to the COVID-19 pandemic 31% of the staff increased the number of hours logged.
  • As compared to before the COVID-19 pandemic, Aussies are spending 210% more on Uber Eats orders.

About Uber Eats in Australia

An extrapolation of the car rideshare company Uber, Uber Eats was launched in 2014 as an attempt to expand into other areas of the transport sector. Uber Eats is essentially an Uber service focused on delivering food, drinks and grocery products to its customers. The service which started in San Francisco, California has since grown to cover various parts of the world.

Uber Eats’ business model is quite simple. After the customer skims through the desired menu on the Uber Eats app, he/she places an order and is then able to track its progress until delivery. There are a variety of food items available from different groceries stores, dinners and restaurants.

Despite seeing steady and continued investment, Uber Eats has hardly been profitable. The company maintains that it anticipates to net financial benefits once it spreads enough to the point of reaching market stability. The lack of profitability could be seen as a source of concern especially considering that the COVID-19 pandemic scaled up the number of orders made. It could also be argued that the company’s model of paying drivers more than the fee paid by customers for delivery is not a route towards profitability.


  1. If Uber’s Food-Delivery Business Isn’t Profitable Now, When Can It Be?
  2. Average monthly spend on takeaway food in Australia in 2021, by app or service
  3. The pandemic has more than doubled food-delivery apps’ business. Now what?
  4. What’s the Average Spend on Food Delivery Apps?
  5. Meal delivery services Uber Eats, Menulog, Deliveroo and DoorDash experienced rapid growth during 2020 – a year of lockdowns & work from home
  6. Making delivery work for everyone
  7. Australian report on the Uber delivery experience: ‘Making delivery work for everyone’
  8. Australians spend $1,590 each year on delivered food
  9. Uber Eats reveals how Aussies are eating in 2019
  10. The use of meal delivery services like Uber Eats and Deliveroo in Australia has doubled in 18 months, according to new research

Apple Pay Statistics Australia

Report Highlights

  • Apple Pay was launched in October 2014 following a long period of development as the giant tech company sought to incorporate payment start-ups and leading banks.
  • Customers using the service can conveniently pay their bills or complete other monetary transactions via the iOS app or the Safari browser.
  • Apple Pay is available in over 50 countries, including Australia.
  • As of 2018 December, Apple Pay had a user base of 43% of iPhone users.
  • Based on current figures and estimates, Apple Pay has been forecasted to control a tenth of global card payments by 2025.
  • 90% of iPhones are compatible with Apple Pay.
  • According to the Federal Reserve Payments Study, a sum of $7.08 trillion was transacted on the platform in 2018.

More statistics: Uber Statistics, Tipping Statistics.

apple pay statistics

User Statistics in Australia

Apple Pay officially arrived in the Australian market late in 2015 following a partnership with American Express. Several major banks, later on, followed suit in supporting the service. While Samsung Pay and Google’s Google Pay have stood out as its main competitor, other services like Fitbit Pay and Garmin Pay have come up strongly.

  • About 90% of all Aussies own a smartphone, and three out of every five use their phones to make cashless payments.
  • As of March 2021, more than 40% of the combined debit and credit card numbers of contactless transactions in Australian banks were done through digital wallets.
  • Lifestyle, electronic devices, sports, and food & beverages top the industries in which Apple Pay services are used, at a combined score of 16%.
  • Apple Pay saw the highest penetration figures in 2020 at 6.5%, an increase from 4.1% recorded in 2019 and 3.7% in 2018.
  • Comparatively, Google Pay, a close competitor in the contactless payment industry, justified 4.1% in 2020, 3.6% in 2019, and 2.3% in 2018.
  • Samsung Pay, the third-largest financial service provider, offering contactless payment options to customers, recorded fairly static growth. In 2018, only 0.7% of the population had taken up Samsung Pay, a proportion which rose to 1.0% in 2019 and remained as such in 2020.

Apple Pay Usage Statistics within Different Age Demographics

The use of Apple Pay in Australia varies across the Aussie population, with the highest figures being recorded by the cohort aged between 18 and 40 years.

  • Only 3% of persons aged between 18 and 29 years were invested in contactless mobile payment methods in 2016. By 2019, this figured had risen to 18%.
  • There was a change from 6% to 18% for the number of persons between 30 and 39 years who used contactless mobile payments at least once a week in the same period.
  • When considering those between 40 and 49 years, the increase was from 5% to almost 9% between 2016 and 2019.
  • The only decline in usage between 2016 and 2019 was recorded by the cohort aged between 50 to 64 years, where there was a drop from about 6% to about 5.5%.
  • The figures for those above 65 years who use contactless mobile payment services consistently remained under 5% in the same period.

A Roy Morgan study revealed the following findings with regards to the use of contactless payment options in Australia:

  • The young people focused on trends and technology (defined as 200 Metrotechs by Roy Morgan’s Helix Persona) are the biggest consumers of contactless payment services, with 17% of them using either Apple Pay, Samsung Pay, or Google Pay.
  • Penetration of contactless payment methods is high in Australia. There is at least 1 contactless point of sale terminal (POS) for a stretch of every 25 citizens.

Impact of digital payment options

  • FIS Global Payments found that the number of contactless in-store payments (including figures for Apple Pay) made in 2020 exceeded physical payments. The total face-to-face payments fell by 50% in Australia.
  • The Coronavirus pandemic led to a spike in the adoption of Apple Pay to settle payments for goods and services. Merchants across Australia reported a 69% increase in transactions during this period.
  • According to the Commonwealth Bank of Australia data, the year-over-year comparison showed a 90% increase in digital wallet transactions as of March 2021.

The figure represented a surge from 36 million transactions in March 2020 to 68 million transactions in March 2021.

  • Digital wallets like Apple Pay saw debit card users move an average of AU$29 per transaction as of May this year. The figure for credit cards users under the same considerations was AU$44.

Banking, Provision of Service and Revenue

To provide services, Apple Pay leverages a user-friendly interface that allows customers to make their payments with ease.

  • Apple doesn’t charge its users any fees for using the Apple Pay service.
  • Apple Pay works with over 100 banks and card issuers in Australia.
  • Apple Pay’s heightened security protocols on transactions limit the volume of customer data stored on a merchant’s device to 65%.
  • Based on a controlled sample by Mozo, it was determined that 70% of bank account providers in Australia offer Apple Pay Services. Further, 70% of these banks support Google Pay services, while 55% have Samsung Pay services.
  • Apple Pay charges a 30% commission on payments made using the platform.
  • Affiliates that partner with Apple Pay get 1.8% of the transaction fee.
  • Apple Pay may require you to enter your PIN for purchases over a certain amount – $200 in Australia.
  • In 2018, Apple Pay, as a P2P payment system, was ranked best among similar providers with a score of 76%, excelling in data privacy and payment authentication.
  • As of 2019, Apple Pay’s peer to peer users contributed 15% to the overall P2P population.

What is Apple Pay?

Apple Pay is a digital payment and wallet service offered by Apple Inc. exclusively for consumers under the Apple banner.  Initially only accessible via credit and debit cards in the US, Apple Pay has since expanded to several parts of the world, including Europe, The Middle East, Asia, South America, and Africa.

The launch of Apple Pay was meant to promote contactless payments, a nascent field at the time but whose development has been exceptional over the last few years. The service’s tremendous growth has more recently been seen with Apple Cash, an extension of Apple Pay, getting integrated to facilitate money transfer between users on iMessage. The latter is, however, only available to Apple users in the US.


  1. Apple Pay usage sees boost in Australia due to big bank support and COVID-19
  2. Apple Pay drives contactless mobile payment increase; older Australians might need a nudge
  3. Mobile wallet transaction volumes overtake cash payments in stores
  4. Apple Pay boosts contactless payments in Australia
  5. Australia considers new regulations for Apple, Google, and WeChat digital wallets
  6. Digital wallets poised to overtake contactless cards as instore payment of choice in Australia
  7. Consumer Payment Behaviour in Australia
  8. The Global Payments Report 2021
  9. Global Payments 2020-30: Australia’s Payment Challenge
  10. CBA predicts digital wallets set to become the most popular contactless way to pay
  11. Apple, Google and Samsung Pay adoption hits 10% in Australia: Roy Morgan
  12. Why Apple Pay Is the Highest-Rated Mobile P2P Payment Service

Employee Statistics

Report Highlights:

  • In Australia, 25% of retail shrinkage is attributed towards employee theft.
  • Globally, employee theft costs $48.12 billion in revenue loss.
  • In 2018, the Australian retail sector lost $750 million in revenue.
  • 55% of stock shrinkage in Australia is a result of employee theft.
  • Around 80% of Australian employees have considered engaging in employee theft.

employee statistics

Employee theft isn’t given as much prominence it deserves. In reality, this is a much more widespread issue than many people realize. This type of crime costs businesses an enormous amount of money every year and continues to be a major concern for all industries.

Such theft can also cause other issues within a company. It can lead to a reduction in payroll or increase in product or services prices. Employee theft may also have a snowball effect, leading to other workplace crimes as well.

Also read: Welfare statistics and Credit card statistics.

Global Employee Theft Statistics

Employee theft is a global issue, impacting countries and economies around the world. This results in a phenomenon known as retail shrinkage. It occurs across multiple retail sectors, causing billions of dollars in revenue loss.

  • Employee theft accounted for 39% of total shrinkage.
  • Employee theft increased by 11 percentage points within a year.
  • This resulted in a $48.12 billion loss.
  • In the US, 45% of the shrinkage was due to employee theft, costing the retail industry $16.56 billion.
  • Norway had the lowest shrinkage rate at 0.75%, but 30% was a result of employee theft.
  • Argentina had the lowest shrinkage rate in Latin America – 1% – but 90% was due to employee theft.
Region Shrinkage by Share Shrinkage by Value ($)
Europe 25% 10.22 billion
North America 45% 16.56 billion
Asia Pacific 22% 8.59 billion
Latin America 31% 3.35 billion

Employee Theft Statistics in Australia

At one point, Australia had the second highest rate of employee theft in the world. While the numbers have decreased, workplace theft has resulted in a significant amount of loss across the board.

  • Employee theft was responsible for 25% of retail shrinkage.
  • In 2018, it was estimated that 70% of workplace fraud was at the hand of current or former employees.
  • In 2018, of the $3 billion in retail shrinkage, $750 million was attributed to employee theft.
  • Employee theft results in $1.5 billion in lost revenue each year.
  • 55% of stock shrinkage is linked to employee theft.
  • Around 80% of employees have thought about or committed theft from their workplace.

Employee Theft by Industry

Employee theft occurs across all sectors. Nevertheless, some industries are prone to this type of organisational crime than others. Those engaged in retail industries are most likely to have to contend with employee theft.

  • APAC had the lowest apparel specialist retailer employee thefts at just 11%.
  • In Latin America, 75% of retail shrinkage in jewellery stores was attributed to employee theft.
  • In North America, 81% of non-grocery retailers experienced shrinkage due to employee theft.
  • In Europe, 40% percentage of shrinkage was a result of employee theft.
Region Apparel Specialist Retailer Department/Convenience Stores Jewellery Stores Home Improvement/Gardening Stores
North America 44% 71% 41% 28%
Europe 24% 40% 20% 23%
Latin America 40% 25% 75% 30%
APAC 11% 23% 20%

Employee vs. Customer Theft Statistics

Apart from employee theft, customer theft or shoplifting is one of the biggest reasons for revenue loss for companies around the globe. Combined, they make up the majority of why various sectors lose billions each year.

  • Combined, employee theft and shoplifting accounted for 77% of total shrinkage.
  • These two factors caused $95.01 billion in losses.
  • Globally, shoplifting was responsible for 38% of the shrinkage rate, causing $46.9 billion in losses.
  • Retailers tracked 88% of shrinkage caused by shoplifting.
  • In the Asia Pacific, 51% of the shrinkage was attributed to shoplifting, resulting in a $19.95 billion loss.
  • In North America, shoplifting contributed to 36% of shrinkage, but caused $13.2 billion in losses.
Region Shrinkage by Share Shrinkage by Value ($)
Europe 42% 17.17 billion
North America 36% 13.24 billion
APAC 51% 19.91 billion
Australia 39% 0.95 billion
Latin America 37% 4 billion

Tracking Global Employee Theft

It is just as interesting to discover how employee theft is tracked by employers and retailers. This provides insight into how common employees imagine the problem to be as well as their opinions of this phenomenon.

  • 87% of retailers kept track of global employee theft
  • 81% of European retailers kept track of employee theft.
  • 100% of retailers in America kept track of employee theft.
  • 90% of APAC retailers kept track of employee theft.
  • 90% of employee theft was tracked by Latin American retailers.

Motives for Employee Theft

Of course, what most employers are curious about is why employee theft occurs in the first place. The reasons for workplace theft can be rather varied. The causes range from personal to poor workplace environments.

  • 40% of employees engaged in workplace theft have previously had HR issues.
  • 13% of fraudsters acted out of fear of potential job loss.
  • Negative performance reviews resulted in a 14% increase of employee theft.
  • Around 59% of employee theft takes place in industries that are more likely to experience general theft.

Loss Prevention Statistics

Considering the state of employee theft, it makes sense for companies to gear themselves against this type of theft. Industries have taken various preventative methods and techniques to help reduce shrinkage across the board.

  • Currently, around 2.23% of employees are actively engaged in loss prevention.
  • 69% of organisations are incentivising loss prevention.
  • Between 1% and 1.49% of sales are contributed to loss prevention methodologies.
  • 50% of RFID technology is used against loss prevention.
  • Australia engaged in the lowest loss prevention spend, contributing just 0.76% of total sales.
  • Almost a 100% of Australian businesses reported using CCTV.
  • 79% of Australian businesses use alarm monitoring systems to prevent theft.

It is clear that employee theft has been and continues to be a rather significant issue among Australian businesses. The continuation in workplace theft is resulting in revenue losses of billions of dollars, impacting both employers and employees.

While Australia doesn’t hold the record for the highest amount of employee theft, it does rank rather high. At one point, the region experienced the second highest rate of workplace theft in the world. While the situation has improved, it has been far from eradicated.

Australia does appear to have some ways to go to reduce the issue as well. Despite experiencing a high level of employee theft, businesses have only contributed a small portion of earnings against loss prevention. At the same time, most businesses have made an effort to utilise some tactics such as CCTV.


[1] Global Theft Barometer

[2] iHR Australia, The Enemy Within: Dealing with Employee Theft

[3] NSW Crime Prevention, An Overview of Retail Crime in Australia

[4] HRM, Workplace Theft is Costing Billions

[5] Small Biz Daily, Theft in the Workplace: What Happens When an Employee Breaks the Law

[6] News.com.au, From Freebies for Mates to $150,000 Fraud, Employee Theft Costs Australian Businesses Billions

[7] JCK, Winning the Battle Against Internal Theft

[8] SHRM, Why is Workplace Theft on the Rise?

[9] University of Cincinatti, A View from the Top: Managers Perspectives on the Problem of Employee Theft in Small Businesses

[10] Sensormatic Global Shrink Index

Credit Card Statistics

Report Highlights:

  • 44% of Australians are using less cash than before the pandemic started.
  • Only 27% of purchases are made with cash.
  • 68% of Australians have at least one card.
  • 63% of purchases are made with a card.
  • 10% of Australians use payment instalment systems.

credit card statistics australia

The cash vs. card debate has been ongoing in Australia for quite a while. And, with Australia aiming to be one of the first completely cashless countries in the world, the discussion has ramped up even further. The increase in popularity of cards, particularly during the pandemic has seemed to edge cash out.

Nevertheless, completely eschewing cash in favour of cards isn’t as easy as anyone – including the Australian government – would have imagined. The statistics and numbers paint a clearer picture of the balance of cash and credit within the country.

Card Usage in Australia

There has been a surge in popularity in card usage within the country. Factors such as the global pandemic and the resulting health concerns have pushed people toward card transactions even more. However, there is more to appreciate in the role that cards play among Australian consumers and their financial position.

  • 68% of Australians have at least one card.
  • The average credit card balance is $2,868.
  • The average balance incurring interest is $1,523.
  • 21% of individuals between 18 and 34 were likely to have a second card.
  • The total expenditure via cards in 2019 was $333,721,838,132.
  • In total, 2,985,010,219 purchases were made via cards.
  • The average balance per card in 2019 was $3,264.
  • By purchase volume, Commonwealth Bank was the largest credit card issuer with USD 51.56 billion.
  • In 2019, Cards were used for 63% of purchases.
  • Around 50% of card transactions are made through contactless payments.
  • Cards are utilised in 52% of online transactions.
  • Total online sales via cards amount to $17.2 billion.
  • 5% of consumers were struggling with debt.
  • Credit card debt totalled $45 billion, with $31.7 billion being a result of interest.
  • Credit card companies charged $1.5 billion overall in fees.
  • In 2017, card fraud was up 13.9%, totalling $ 3 million.
  • By 2019, credit card use dropped by 8% over 12 months.
  • Credit card debt as a result of interest dropped by 10% during the same time period.
  • 45% of millennials have less credit debt than older generations.

Credit Cards vs. Debit Cards

Credit cards and debit cards often get lumped together when usage is considered. Despite this, there are many discrepancies between the cards, including the numbers in which they are issued and how they are used.

  • There are 13,668,490 credit cards in circulation.
  • There are 34,868,501 debit cards in circulation.
  • Debit cards have a higher circulation at 1.9 per capita when compared to credit cards at 0.68 per capita.
  • Around 66% of people under the age of 40 primarily use debit cards.
  • About 30% of online transactions are made via debit cards.
  • In 2019, Debit cards were used for 44% of purchases, while credit cards were used for 19% of transactions.
  • At POS, 29% of consumers will use debit cards, while 20% of purchases are made with credit cards.
  • It is predicted that by 2022, 30% of POS purchases will be made with a debit card and 22% with a credit card.
  • The average charge for credit cards was $103.49.
  • The average debit card charge was $48.02.

Reasons for Credit Card Use Decline

It is clear from the above sections that credit card use is on the decline, particularly among millennials. This is a departure from previous years and generations. There are several factors that have resulted in this current and future trend regarding credit cards.

  • 90% of millenials avoid credit cards as a matter of choice.
  • 10% are unable to be approved for a credit card.
  • 18% of millennials are concerned with accumulating credit card debt.
  • 22% of the generation want to avoid fees and interest rates associated with credit cards.
  • 21% wish to avoid spending beyond their means.
  • 24% would rather use their own money to make purchases and payments.

Cash Usage in Australia

On the surface, cash use can appear on the decline. Cash isn’t used as much for purchases and fewer people are making physical withdrawals. Despite this, cash continues to be an important and persistent force within the Australian economy.

  • Around $80 billion in cash is in circulation daily.
  • 75% of this is held as wealth by Australians, with only 25% being used for buying and selling.
  • In 2018, the average person visited the ATM 28 times a year, which was down from 40 visits per year in 2008.
  • In 2020, there were27, 870 ATMS in the country, a 5.03% decrease from the previous year.
  • 35% less cash is being withdrawn from ATMs.
  • However, the quantity of cash in the Australian economy is at a 50-year per capita high.
  • For every Australian, there are thirty $50 and fourteen $100 notes in existence.
  • In 2019, just 27% of payments were made via cash.
  • However in 2018, at Point of Sale, 35% of consumers used cash, making it the most popular payment method.
  • It is predicted that cash use at POS will drop to 17% by 2022.
  • Since the pandemic, 44% of Australians state that they are using less cash than before.
  • Individuals under the age of 40 are least likely to use cash with only 15% of transactions made using cash.
  • Individuals over 65 use cash for up to 50% of their purchases.
  • When the bill is $10 or less, 45% of people will use cash.
  • 15% of consumers prefer using cash to help with budgeting purposes.
  • In 2019, around 25% of people carried no cash in their wallets.
  • The average person carried about $45 in their wallet.
  • However, 40% of people stated that they hold onto cash outside their wallets.
  • Cash payments make up 7% of online sales.
  • It is estimated that around $50 billion is lost to the black economy each year.

Cards vs. Other Payment Methods

There are a growing number of payment methods in Australia. This includes mobile payments, third party online systems, and contactless payments. It is important to appreciate how the numbers differ when compared to card usage.

  • 4% of purchases were made via online payment systems.
  • Bank transfers make up 13% of online sales.
  • 22% of online sales are made via digital wallets.
  • In 2019, around 10% of consumers used contactless mobile payment systems.
  • Almost 1 in 5 people use contactless mobile payment systems.
  • 75% of Australians claim to continue to use contactless payment methods once the pandemic was over.
  • It is estimated that e-commerce fraud exists for 0.075% of online transactions.
  • Banks are charging retailers around $1000 to provide contactless payments.
  • In 2019, there were 31 million buy now pay later transactions, a 90% increase from the previous year.
  • It is estimated that about 10% of Australians use instalment payments.
  • 60% of buy now pay later users are between the age of 18 and 34.
  • 57% of buy now pay later customers use the service to budget their spending.
  • Around 44% of instalment payment users make less than $40,000 a year.
  • 20% of buy now pay later customer missed payments, resulting in missed fee revenue of $43 million.

This is the current status of cash vs. card in Australia. It is clear that cash usage is on the decline, but it will be quite a while before Australians cease to use cash completely. This is because physical currency continues to have significance and benefits beyond digital payment methods.

Card usage is on the rise, with debit cards being the most popular avenue, particularly among younger generations. Credit card usage isn’t as popular as it once was as younger generations have greater fear of debt accumulation.

What is at the forefront of Australian payment methods, though, is buy now pay later systems. An increasing number of people – particularly younger individuals – are utilising it as an alternative to other payment methods. This system makes it easier for cash-strapped individuals to pay off purchases without accruing interest with credit cards.


[1] Business Insider AU, Cash Was Predicted to be Dead in Australia as Early As 2022, But There Are Plenty of Reasons Why It Will be King for a While Yet

[2] The New Daily, Cash On Its Way Out as Coronavirus Accelerates Shift Towards Digital Payments

[3] JP Morgan, E-Commerce Payment Trends: Australia

[4] Reserve Bank of Australia, Consumer Payment Behaviour in Australia

[5] Finder, Australian Credit Card and Debit Card Statistics 2020

[6] Yahoo Finance AU, Here’s Why Australia Shouldn’t Go Completely Cashless

[7] Financial Review, Will Covid-19 Kill Cash in Australia?

[8] Statista, Leading Credit Card Issuers in Australia in 2015 by Purchase Volume

[9] ABC News AU, Credit Card Users Struggling Under Mountain Of Debt That May Never Be Repaid, ASIC Report Shows

[10] ASIC, 20-280MR ASIC Releases Latest Data on Buy Now Pay Later Industry

[11] The Guardian AU, ‘It’s Like the Wild West’: Is the Latest Buy Now Pay Later Service Just Rebranded Debt?

[12] Savings.com AU, Why Buy Now, Pay Later Is So Popular With Millennials

Welfare Statistics

Report Insights:

  • Australia ranks 7thout of 80 countries for quality of life.
  • The country has 16th highest GDP per person in the world.
  • Australia scores 7thout of 40 countries in terms of household wealth.
  • Australia is the 14th most expensive country to live in.
  • 81% of Australians have completed secondary school, higher than the OECD average.
  • The life expectancy in Australia is 83 years old, 3 years greater than the OECD average.
  • The job employment rate is 73.4%, well above the OECD average.

australia statistics

Australia is considered to boast some of the top standards of living in the world. Continuous economic growth, a good job market, and a general sense of satisfaction ensure that Australians continue enjoying a higher quality of life.

Of course, the standard of living is measured by a number of different factors. To understand how Australia measures up across the board, you have to consider each and every element. This helps to pain a far more comprehensive image.

Australia’s Global Position

It is important to appreciate how Australia ranks on a global scale. This includes comparisons with major developed countries like the UK, US, and countries belonging to the Organisation for Economic Co-operation and Development (OECD).

  • In terms of quality of life, Australia ranks 7 out of 80, ahead of Netherlands, Switzerland, and New Zealand.
  • The GDP per person is USD 57,374 making it the country with the 16th highest GDP per person.
  • Australia has the 25th highest purchasing power globally, with a PPP of 82.3.
  • Australians rank their life satisfaction as 7.3, well above the OECD average of 6.5.
  • 95% of Australians engage in civic participation, in comparison with 68% of other OECD countries.

Income and Wealth

One of the main ways that the standard of living is calculated in Australia is based on income and general wealth. The average income ensures that people are able to afford basic necessities, automatically improving the manner in which they live.

  • The average household income in Australia is $32,579 a year.
  • This is lower than the OECD average of $33, 603 a year.
  • Nonetheless, the average household net wealth is $427,064, which is higher than the OECD average of $408,376.
  • In terms of household wealth, Australia ranks 7 out of 40, ahead of Iceland, France, Canada, and Sweden.
  • 70% of Australians consider themselves prosperous or have enough of money to live on comfortably.
  • Australia has the highest median wealth per adult at USD 191,453.
  • Australia has the 2nd highest average wealth per adult at USD 411,060, with only Switzerland ahead.
  • The number of millionaires is forecast to rise by 41%, the 3rd highest growth in the Asia-Pacific region.
  • Just 6% of Australians have a net worth under $10,000 while the UK and US has 18% and 28% respectively.
  • However, the top 20% of the population make 6 times as much as the bottom 20%.

Cost of Living

It is a well-known fact that the cost of living in Australia is much higher than many other countries. It is less clear how the country compares to other nations, particularly those that are known for their higher cost of living.

  • Overall, Australia is the 14th most expensive country to live in with a cost of living index of 106.9.
  • In comparison, the UK has a cost of living index of 101.3 and the US has one of 100.
  • However, Australian cities have fallen as much as 26 places in the annual Cost of Living Survey list.
  • Sydney is the most expensive city in Australia, holding a global spot at 50.
  • Melbourne is the 2nd most expensive city, with a global ranking of 79.
  • Consumer prices in Sydney are 3.48% higher than those in London.
  • Restaurant prices are 19.07% higher in London than Sydney.
  • Grocery prices in London are 31.72% lower than in Sydney.
  • Australia has one of the highest transports costs at $141 a month – Germany comes in 2nd at $111.
  • The average single person can have monthly expenses amounting to $2,260.


As housing is a basic necessity, the availability and cost of housing can have a considerable impact on the overall standard of living. In Australia, housing costs have been on the rise, although wages and income rates haven’t always matched this increment.

  • On average, Australians spend 20% of their income on housing, which is in line with OECD average.
  • The average single person can spend $1136 on rent each month.
  • A family can spend between $1420 and $1832 on rent each month.
  • Median house prices across the country are $750,721.
  • This makes the house prices over 8.5 times the cost of the average monthly income.
  • In the UK, monthly rent can cost around $1331 and in the US this can be $1671.
  • Hong Kong is far more expensive, with the average monthly rent costing $3210.


Education is a significant indicator of quality of life and standard of living. A highly educated population tends to enjoy higher earnings. Such a population is also able to create a more engaging and logical community.

  • Australians can spend 21 years in school, which is the highest level in OECD.
  • 81% of Australians have completed upper secondary education which is higher than the 78% OECD average.
  • The average Australian student scored 502 in reading literacy, sciences, and maths.
  • This was far higher than the OECD average of 486.

Health, Healthcare, and Safety

General health as well as healthcare accessibility and facilities can tell you a great deal about the standard of living of a particular country. This is typically tied into better quality of life, higher life expectancy, and less stress related to healthcare costs.

  • Australia has a life expectancy of 83 years, three years higher than the OECD average.
  • 85% of Australians reported to be in good health, compared to the 69% OECD average.
  • 15% of Australians suffer from chronic disease which is lower than an eleven country average of 17.5%.
  • 4% of Australians have been diagnosed with obesity, higher than 21% OECD average.
  • The lowest obesity rate is in Switzerland at 11.3% and the highest is the US at 40%.
  • 93% of Australians are satisfied with their water quality, which is higher than the 81% OECD average.
  • Australia has a homicide rate of 1.1 which is lower than the OECD average of 3.7.
  • US healthcare spending per capita is $10,000 – more than 2 times the Australian expenditure.
  • Spending on private healthcare in Australia is $597 per capita – greater than the OECD average at $226.
  • Australia has 11.9 suicides per 100,000 people, slightly lower than the OECD average of 11.5.
  • UK has the lowest suicide rate at 7.3 deaths per 100,000 people and US has the highest with 13.9 deaths per 100,000.

Job Opportunities

For most people, being employed can determine their overall standard of living. Thus, higher earning potential and lower rates of employment can go a long way towards boosting the general level of satisfaction of the population.  Furthermore, the possibility of getting a job, particularly once you have graduated from school is just as important.

  • The employment rate for individuals between the ages of 15 to 64 years is 74.3%.
  • This is higher than the average OECD employment rate of 68.8%.
  • The highest employment rate is Iceland at 83.3% and Turkey has the lowest rate at 50.3%.
  • 3% of Australians have been unemployed for a year or longer, which is lower than the OECD average of 1.8%.
  • Should they lose their job, 5.4% of Australians can expect earnings loss, which is lower than the OECD average of 7%.
  • In terms of income, Australia rates 10 out of the 40 OECD countries, with regions like Austria, Norway, and Belgium offering better wages.


Once people are able to manage their basic necessities, leisure time and activities has an obvious effect on purported living standards. The more that people are able to enjoy their free time or afford certain activities, the more satisfied they tend to be.

  • Australians do struggle with work-life balance, with 13% of employees working very long hours.
  • This is higher than the OECD average of 11%.
  • Full-time workers are able to dedicate 14 hours a day to personal care and leisure which is lower than the OECD average of 15 hours.
  • Full-time employees get up to 20 days of paid leave for every year that they work in a given job.
  • The UK has the most days of annual leave with 28 days each year.
  • Mexico has one of the lowest paid leave at just 6 days.
  • Around 10,932,000 Australians depart for tourist travel every year.
  • China boasts the highest number of travellers at 143,035,000, while Tuvalu has the lowest number at 2100.

There is no denying that Australia does boast a high standard of living, compared across numerous factors. A significant portion of the population is able to complete their higher education and expect good employment once they have graduated. The average Australian is also able to make ends meet quite satisfactorily.

Nevertheless, there are several points that the country can improve on. This begins with closing the wealth gap and ensuring that a greater portion of the population is able to afford their own homes. At the same time, the average Australian should be encouraged to create a far better work-life balance and to take more leisure time for themselves throughout the year.


[1] OECD Better Life Index, Australia
[2] US News, Australia
[3] AMPLIFY Social Impact, Living Standards
[4] The World Bank, Australia
[5] Financial Review, How Australia’s Cost of Living Compares with Other Countries around the World
[6] The Economist, World in Figures
[7] Committee for Economic Development of Australia, Australia Tops Global Wealth Rankings
[8] Savings AU, How Expensive is Australia to Live?
[9] World Data, Comparison of Worldwide Cost of Living
[10] The New Daily, Australian Cities Slide in Global Cost-of-Living Rankings
[11] Money Smart Gov AU, What Do Australians Really Spend Their Money On?
[12] The Commonwealth Fund, U.S. Health Care from a Global Perspective, 2019: Higher Spending, Worse Outcomes?
[13] Statista, Employment Rate in OECD countries in 2019.
[14] World Economic Forum, People in These Countries Get the Most Paid Vacation
[15] Index Mundi, International Tourism, Number of Departures – Country Ranking