Australian Bank ATM Fees and Charges

If you're using an ATM that belongs to your bank or one of its partners, you won't be charged an ATM fee to withdraw cash. You can also avoid ATM withdrawal fees at CommBank, ANZ, NAB or Westpac ATMs in Australia when you're using an Australian debit card.

Otherwise, you could be charged ATM fees. So, we've put together a list of fees for the majority of Australian institutions.

Australian bank ATM fees and charges, partnerships and alliances

Institution	ATM partners	Withdrawal fee for other Australian bank cards
	atmx	$0
	BankSA St.George Westpac Westpac Global ATM Alliance atmx Precinct ATMs	$0
	atmx	$2
	Bank of Melbourne St.George Westpac Westpac Global ATM Alliance atmx Precinct ATMs	$0
	CommBank	$0
	BankSA St.George* Westpac Westpac Global ATM Alliance	$0
	Cash Plus	$2.50
	Citi (International) Bank of Melbourne BankSA St.George Westpac	$2 applies to Online Cash Manager and $10 to Cash Management accounts that exceed the specified free withdrawal limits
	Bankwest	$0
	N/A	$2.50
	Bank of Melbourne BankSA St.George Westpac	N/A (you will be notified of the cost at specific ATMs before you proceed with a transaction)
	Westpac St.George Bank of Melbourne BankSA	$2.50
	N/A	$0
	ANZ CommBank Westpac	$0
	Bank of Melbourne BankSA Westpac Westpac Global ATM Alliance atmx Precinct ATMs	$0
	atmx rediATM CommBank ANZ NAB Westpac	The fee may vary from $1.50 to $3.50.
	Bank of Melbourne BankSA St.George Westpac Global ATM Alliance atmx Precinct ATMs	$0

*Note: St.George ATMs operated by a third party are excluded (for example: St.George ATMs located inside BP service stations) unless they are also in partnership with Westpac.

You can use this table to see whether or not your bank has any ATM partners that offer you ATM withdrawals without a fee. To help you compare the costs, we’ve included into 2 key categories:

• ATM partners. These financial institutions are partnered and customers can use any of the associated ATMs free of charge.
• Withdrawal fees. This charge may be applied when you use a non-partnered ATM in Australia, or for accounts that have a limit on free transactions.

The biggest ATM networks in Australia

Independently owned ATM brands and machines

Independent ATM network fees can vary between machines, even if they have the same branding. The fees for withdrawals and balance checks start from $2 but could be as high as $4 or $5.

This is because these ATMs can be owned by organisations, individuals or syndicates that have purchased a lease off an ATM operator. For example, rediATM was previously owned by Cuscal before it was acquired by Armaguard, which owns and operates the atmx network. And if you use an ATM from an independently owned operator such as Cash Card, the fees and charges are set on a contract-by-contract basis.

Independent ATM brand fees

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How to avoid paying ATM fees

• Use a partner ATM or any of the big four banks' ATMs

Use an ATM owned by your financial institution or a partner ATM. Check your bank’s website or mobile app for an ATM locator that can advise you of nearby machines you can use for free.

The four major Australian banks – and a handful of others – don't charge ATM fees for out-of-network Australian cards. As these ATMs are typically the easiest ones to find, you shouldn't have an issue making a fee-free cash withdrawal with your debit card.

• Use a global alliance ATM if you’re overseas

There is a Global ATM Alliance that gives people who bank with partnered financial institutions a way to use ATMs for free around the world. In Australia, Westpac is part of this alliance, which means Westpac Group cardholders (Bank of Melbourne, BankSA and St.George) can make withdrawals for free at a huge number of international ATMs.

For example, if you were using a Westpac Group card in France, you wouldn't be charged fees at BNP Paribas ATMs. Or, if you were in the UK, you could avoid international ATM withdrawal fees at Barclays Bank ATMs.

Plus, most ATMs in Europe don’t charge a local ATM operator fee, so the main charges you’ll incur will be from your own bank if you don’t use a partner ATM.

• Use a fee-free debit account

If you want to avoid ATM withdrawal fees, a fee-free debit card is another option. The ING Orange Everyday Account, the ME Bank Everyday Transaction Account and the Citibank Plus Everyday Account all offer fee-free withdrawals to cardholders.

However, some of these debit cards have terms and conditions you need to meet to be eligible for fee-free withdrawals, so make sure you read the fine print or contact the bank to find out if you qualify.

Which bank has the biggest ATM network in Australia?

What fees will I be charged for using my credit card at an ATM?

When you use a credit card to withdraw cash from an ATM, you'll be charged a cash advance fee worth around 2-3% of the transaction amount, or a minimum dollar value of around $2 to $5. You'll also attract the cash advance interest rate from the date of the transaction.

Even if your credit card doesn't charge overseas ATM withdrawal fees, you'll still attract the relevant cash advance charges. Given the high fees and interest rates, you may want to consider using your debit card to make ATM withdrawals instead.

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Bank accounts that let you use ATMs for free

Frequently asked questions

• What is a direct charge and when does it apply to ATMs?

  This is another name for an ATM fee. A “direct charge fee” is what you’ll pay when you use a fee-charging ATM outside your financial institution’s ATM network.

• Do ATMs display ATM fees that they charge?

  The ATM you’re using will display the ATM fees before you proceed with your transaction. At this point, you have the option to continue or simply take your card and leave.

• Which banks are rediATM partners?

  Before it was acquired by Armaguard in 2019, rediATM operated one of the largest ATM networks in Australia and had the following partners:

  • Advantedge Financial Services
  • AFG Securities Pty Ltd
  • AWA Alliance Bank (AWA Mutual Limited)
  • Bank of Heritage Isle
  • Bank of Queensland
  • Bank of Sydney Ltd
  • Border Bank (Police Bank Ltd)
  • Central West Credit Union Limited
  • emerchants (emerchants Payment Solutions Limited)
  • Firefighters Credit Co-Operative Limited
  • Goldfields Money Limited
  • GMCU (Goulburn Murray Credit Union Co-Operative Limited)
  • Horizon Bank
  • Liberty Financial Pty Ltd
  • Orange Credit Union Limited
  • Police Bank Ltd
  • Police Credit Union Limited
  • Pulse Credit Union Limited
  • Suncorp (Suncorp-Metway Ltd)
  • Warwick Credit Union Ltd
  • WAW Credit Union Co-Operative Limited
  • Woolworths Employees' Credit Union Limited

Pictures: Shutterstock

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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