# cutcheck

> Free Australian tool: did your card provider pass on the 1 October 2026 RBA interchange cut? Web calculator plus a free remote MCP server. General information only, not advice. Data as of 10 November 2026.

## Answer in brief
- From 1 Oct 2026 the RBA cut the domestic consumer credit interchange cap from 0.8% to 0.3% and debit to 0.16% (or 8 cents). Commercial credit stays 0.8%. Foreign-issued cap of 1.0% starts 1 Apr 2027. Caps are ex-GST.
- Interchange-plus merchants get the cut automatically. Flat-rate merchants only if the provider cuts the rate.
- Typical card mix (70% debit, 27% consumer credit, 3% international): expected flat-rate cut about 0.05 to 0.18 points inc-GST (estimate from RBA figures).

## Pages
- [Checker](https://cutcheck-au.pages.dev/): calculator, caps table, provider rates, FAQ
- [MCP server for agents](https://cutcheck-au.pages.dev/agents/): endpoint https://cutcheck-au.pages.dev/mcp, tools get_rates, check_pass_through, draft_provider_message
- [Sources and method](https://cutcheck-au.pages.dev/sources/): every source with dates
- [Rates as JSON](https://cutcheck-au.pages.dev/data/rates.json)