Best debit cards

Finder's best debit cards for December 2024

• Best for travelling: HSBC Everyday Global Account
• Best for budgeting: Suncorp Bank Everyday Options Account
• Best for cashback: ING Orange Everyday
• Best for no fees: Ubank Spend Account
• Best for customer satisfaction: Up Everyday Account
• Best overall bank account: Macquarie Transaction Account

1 - Best debit card for travelling

HSBC Everyday Global Account

More info

$0
Monthly fee

$0
ATM withdrawal fees

Visa

Debit Card

• Info
• Pros & cons

The HSBC Everyday Global Account is one of the best bank accounts for travelling. It has no account keeping fees, no international transaction fees and access to free ATMs around the world. You can hold up to 10 different currencies in the one account, which allows you to top up on a currency while the exchange rate is good, then spend in that local currency while you're overseas. Plus, earn 2% cashback on tap and pay purchases (T&Cs apply). It won a Finder Banking Award for best travel debit card.

• Earn 2% cashback on tap and pay purchases under $100, up to $50 in cashback per month (subject to terms and conditions)
• $0 monthly account fees and international account fees
• Buy, hold and spend in up to 10 currencies with the HSBC app
• Apple Pay and Google Pay available

• You can only pre-load up to 10 currencies
• Fees apply to deposit foreign currency notes into the account

Rewards program	N/A
Annual Fee	$0
Purchase Rate
Welcome offer
Interest-free period	Up to days on purchases
Balance transfer	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee

2 - Best debit card for budgeting

Suncorp Bank Everyday Options Account

Go to site

$0
Monthly fee

$0
ATM withdrawal fees

Visa

Debit Card

• Info
• Pros & cons

The Suncorp Bank Everyday Options account is one of the best debit cards to help you budget. You can link up to 9 smaller sub-accounts to your main account to help you manage different expenses. For example, you could have one sub-account for bills, one sub account for emergencies and one for your fun 'splurge' purchases. Plus, there are no account keeping fees to pay on any of the accounts.

• No account keeping fees
• Link up to 9 sub-accounts
• Use the sub-accounts to help you save for individual goals
• Make contactless purchases with Google Pay and Apple Pay

Rewards program	N/A
Annual Fee	$0
Purchase Rate
Welcome offer
Interest-free period	Up to days on purchases
Balance transfer	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee

3 - Best debit card for cashback

ING Orange Everyday Account

Go to site

$0
Monthly fee

$0
ATM withdrawal fees

Visa

Debit Card

• Info
• Pros & cons

ING offers customers 1% cashback on eligible gas, electricity and water bills. You could get up to $100 cashback per year (T&C's apply). Plus, all international transaction fees are rebated when you meet the account conditions.

• $0 account keeping fees
• Earn 1% cashback on utility bills (T&Cs apply)
• 5 rebated Australian ATM withdrawal fees per month and no international transaction fees when account conditions are met
• Link to a Savings Maximiser and earn a competitive bonus interest rate
• Deposit money via Bank@Post for free

• ING doesn't have any branches
• International ING ATM fees and transaction fees do apply if account conditions are not met
• In Australia, ATM rebates are capped at the first 5 transactions a month

Rewards program	N/A
Annual Fee	$0
Purchase Rate
Welcome offer
Interest-free period	Up to days on purchases
Balance transfer	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee

4 - Best no fee debit card

Ubank Spend Account

More info

$0
Monthly fee

$0
ATM withdrawal fees

Visa

Debit Card

• Info
• Pros & cons

The Ubank Spend account is one of the best bank accounts for no fees. Pay no account keeping fees, no local ATM fees at all major bank ATMs, no overseas ATM fees and no foreign transaction fees plus see your other bank accounts, super and investments all within your ubank app for free.

• No account keeping fees
• No overseas ATM fees or foreign transaction fees
• Spending tracking tools
• Access thousands of ATMs in Australia for free
• Apple Pay and Google Pay available

Rewards program	N/A
Annual Fee	$0
Purchase Rate
Welcome offer
Interest-free period	Up to days on purchases
Balance transfer	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee

5 - Best debit card for customer satisfaction

Up Everyday Account

Go to site

$0
Monthly fee

$0
ATM withdrawal fees

Mastercard

Debit Card

• Info
• Pros & cons

Up took the top spot in Finder's 2024 bank account customer satisfaction awards. Up got the highest overall score of 4.63 out of 5. Customers particularly liked the features and benefits offered with Up's bank accounts designed to help you budget better and easily track your spending, like the 'Spendable Balance' feature which shows you how much you have available to spend taking upcoming bills into account.

• Spending insights
• Bill detection and reminders
• Available on Apple Pay, Google Pay, Samsung Pay, Garmin Pay
• No International ATM fee at most major bank ATMs

• Card delivery time

Rewards program	N/A
Annual Fee	$0
Purchase Rate
Welcome offer
Interest-free period	Up to days on purchases
Balance transfer	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee

6 - Best debit card overall for 2024

Macquarie Bank Transaction Account

More info

$0
Monthly fee

$0
ATM withdrawal fees

Mastercard

Debit Card

• Info
• Pros & cons

The Macquarie Transaction Account is one of the best bank accounts in the market if you're wanting to also earn interest on your balance. Your bank account balance will earn 2.75% p.a. interest with no conditions to meet, helping you save more money. It also has no account keeping fees, no international ATM fees and pays a refund on any local ATM fees charged.

• Earn interest on your balance
• No ATM fees
• No international purchase fees
• No monthly account keeping fees
• Convenient on-the-go banking with the mobile banking app

• No branch access

Rewards program	N/A
Annual Fee	$0
Purchase Rate
Welcome offer
Interest-free period	Up to days on purchases
Balance transfer	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee

Expert best debit card picks selected by Alison Banney – money editorial manager

How do we choose our debit card top picks?

How to choose the best debit card

A debit card comes with an everyday bank account, so you need to look at the whole account when choosing which debit card is right for you. Here are a few things to consider when choosing.

The monthly fee.

A lot of debit cards will come with no monthly account keeping fee, which is great. If it does have a fee, check if you're getting any extra benefits or perks by paying this fee. For example, some accounts charge a fee but also offer discounts on partner brands or unlimited in-branch transactions.

The international fees.

A debit card that provides unlimited fee-free access to your money in Australia may be ideal when you're at home, but if it charges high overseas transaction fees, then it could leave a big hole in your balance on your next international holiday. That being said, if you rarely go overseas you might not be too fussed about this fee.

Payment options.

Check that the account offers the different payment options you like to use, for example Apple Pay, Google Pay and Garmin Pay. If you want to make instant transfers using your phone number, make sure the account offers PayID.

Cashback and perks

Some bank accounts offer cash back when you open your first account, and some debit cards offer cash back on each purchase you make. It's an incentive to choose their account over others in the market. Others may offer different perks like discounts on partner brands, discounts on bills or the ability to earn points.

Linked savings account.

You might be eligible for bonus interest on your savings if you opt for a savings account with the same bank as your debit card.

Mobile banking app.

Some debit cards come with a mobile app that has tools to help you easily keep track of your spending and regular payments. Fetures like spending categorisation to show you where your money is going can be helpful to maintain good spending habits.

Best banking apps for customer satisfaction in 2024

Bank	Overall satisfaction	Trustworthy/reliable
	★★★★★ 4.61/5	97%
	★★★★★ 4.35/5	97%
	★★★★★ 4.34/5	100%
	★★★★★ 4.32/5	100%
	★★★★★ 4.26/5	94%

These banking apps were judged as part of Finder's annual customer satisfaction awards.

Our expert says: You can have multiple debit cards

"You could consider having multiple debit cards for different purposes. For example, you might have one that you use for travelling because it has no overseas fees. Then you might have another that you use for day-to-day spending in Australia, because it offers cashback or other perks.

As long as you're choosing accounts with no monthly account fees it won't cost you anything extra to have more than one debit card (in fact, it might actually save you money). "

Alison Banney

Editor

Frequently asked questions

• What is a debit card?

  A debit card comes attached to an everyday bank account and allows you to access your money in the account. Unlike a credit card, a debit card only allows you to spend the money that you've got in your account - no more. You can use your debit card to withdraw cash at ATMs, make purchases in stores, shop online and overseas.

• What's the best debit card for students?

  If you're a student you'll probably want a debit card with as few fees and charges as possible. Luckily, some banks will waive the monthly account keeping fee for full time students or customers under a certain age, such as 25. Just keep in mind that once you reach the age limit, your account will remain open but you'll start to be charged fees (if the account does charge a monthly account fee).

  Something else to consider if you're a student is the minimum monthly deposit required. Many bank accounts won't have a minimum monthly deposit condition at all, but some do have this in order to avoid the monthly fee. If you're considering a debit card that does have a monthly deposit condition, make sure it's something you can realistically meet each month otherwise you risk being stung with fees.

• What fees do debit cards charge?

  Debit cards, and the attached bank account, have a range of fees and charges for different things. The most common fees are monthly account keeping fees (although most banks no longer charge these), ATM withdrawal fees, international transaction fees and fees for assisted transactions inside a bank branch.

• What's the difference between a Visa and Mastercard debit card?

  There is very little difference between a Visa and Mastercard debit card. They're just the brand names, but the debit cards work exactly the same way.

• Can I have multiple debit cards?

  Yes, you can have multiple debit cards. If you have a few different bank accounts you'll have a different debit card for each one. Some banks allow you to have multiple debit cards with the one bank account, too, which could come in handy to help you manage your different spending. If you have a joint bank account with someone else you'll both receive your own debit card each.

Written by

Alison Banney

Editor

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full bio

Alison's expertise

Alison has written 625 Finder guides across topics including:

• Superannuation
• Savings accounts, bank accounts and term deposits
• Budgeting and money-saving hacks
• Managing the cost of living