We had AOL in Australia for some reason, but my family could never use the trials because they required a credit or debit card. In the 90s and early 2000s, a lot of Aussie families had “bank cards” which worked at ATMs and in shops but not online. They used an Australian payment network (EFTPOS) rather than Visa or Mastercard.

In Australia, debit cards today are dual network - EFTPOS for local usage, and Visa or Mastercard for online and international usage.