at Shell petrol stations. The other major banks in Australia implemented EFTPOS systems during 1984, initially with petrol stations. The banks' existing debit and credit cards (but only allowed to access debit accounts) were used in the EFTPOS systems.

In 1985, the State Bank of Victoria developed the capacity to host connect individual ATMs and helped create the ATM (Financial) Network. Banks started to link their EFTPOS systems to provide access for all customers across all EFTPOS devices.