ATM Usage Fees Around the World

How are overseas ATM fees different?

In Australia, if you use your debit card to withdraw money from an ATM that isn’t owned by your bank, you can expect to be hit with a charge of between $1.50 and $2.50 per transaction. If you're making an ATM withdrawal overseas additional fees may apply, and can also grow to include a currency exchange fee. A 2014 survey by research firm Galaxy found that ATM fees are the most hated of all charges imposed by Australian banks, and that's just within the country.

Which banks have higher ATM fees, and how do Australian fees compare to the rest of the world? To find out we examined the fees that apply, and how much bank customers in other countries are charged.

What ATM fees apply?

Australian banks charge the following fees when non-customers withdraw cash from one of its ATMs:

  • Commonwealth Bank: $2
  • ANZ Bank: $2
  • Westpac  (including St.George): $2
  • NAB: $2
  • Suncorp: $2.50
  • Bankwest: $2
  • Bendigo Bank: $2

One of the ways to avoid these fees might be to pick the bank with the largest ATM network in Australia, but that's not your only option. Find a full list of Australian ATM fees and charges here, as well as ways to avoid having to pay them.

Overseas ATM fees

If you're using ATMs elsewhere, additional charges will also apply.

  • Commonwealth Bank: $2 per overseas transaction, even when using a Commonwealth Bank ATM, and a 3% exchange fee when withdrawing foreign currencies.
  • ANZ Bank: $5 for overseas non-network ATMs, but only a flat $4 fee for foreign currency withdrawals at select ATMs.
  • Citibank: 2.50% exchange fee when making foreign currency withdrawals at non-Citibank ATMs overseas. However, you can find network ATMs in over 40 countries which can help Citibank customers avoid overseas ATM fees.
  • NAB: $5 per withdrawal, $1 per enquiry and a 3% foreign currency withdrawal fee apply for overseas ATM transactions.

So if you're an NAB customer using ATMs overseas, you'll have paid $50 in ATM fees for just 10 withdrawals. If you're making foreign currency withdrawals, you will also be charged 3% of your transaction in currency exchange fees. If you simply keep using ATMs as normal while travelling, the fees can quickly become a major drain.

It's not hard to avoid these fees, and can be well worth the time.

ATM fees around the world

If you find Australia’s ATM fees annoying, you’ll probably be even more frustrated to learn that such fees are far from the norm around the world. In countries such as Ireland, Japan, Norway and Sweden, it’s free to use another bank’s ATM. Having said that, there are plenty of other countries around the world where similar fees do apply, such as in the UK where they range from £1 to £1.50 per transaction.

The table below outlines the fees that apply in countries around the world:

CountryFee for an ATM withdrawalConverted into AUD
  • CommBank, ANZ, NAB, Westpac, Bankwest and Bendigo Bank: $2
  • Suncorp: $2.50
CanadaCAD $1.50$1.53
GermanyEUR 1.95 to EUR 5$2.85 to $7.30
The NetherlandsFreeFree
PolandPLN 5$1.65
SpainEUR 0 to EUR 1$0 to $1.46
United KingdomGBP 1 to GBP 1.50$1.88 to $2.82
Hong KongHKD 15 to HKD 30$2.51 to $5.01
MalaysiaMYR 1.06$0.35
ThailandTHB 10 to THB 20$0.37 to $0.74
The PhilippinesPHP 200$5.53
PakistanPKR 0 to PKR 20$0 to $0.25
Sri LankaLKR 15 to LKR 60$0.13 to $0.53
BangladeshBDT 10$0.17
IndiaINR 20$0.39
  • CHF 0 (UBS)
  • CHF 2 (Credit Suisse)
  • Free
  • $2.66
United States
  • USD 3 TO USD 6
  • No charge for USAA, Capital One and Ally
  • $3.89 to $7.78
  • Free

As you can see, Australia’s fee system is much the same as that present in the UK, but there are still plenty of countries around the world where no fees are payable when you use another bank’s ATM.

How do I avoid ATM fees?

  • Withdraw less frequently. Instead of withdrawing $20 or $40 several times a week, why not withdraw $100 or $200 in one go? This will help ensure that you always have cash on hand when you need it and let you avoid unnecessary ATM fees, so preparing a weekly budget will help you work out how much money you need to withdraw at any one time.
  • Stay in your bank’s network. Whenever possible, try to use an ATM owned by your bank, or owned by a company with which your bank has a partnership. For example, Commonwealth Bank customers can use all Bankwest ATMs at 7-Eleven stores, while Westpac customers enjoy fee-free use of St.George, BankSA and Bank of Melbourne ATMs.
  • Use ATM locators. Most Australian banks have tools on their websites and mobile apps to help you find your nearest ATM. Put these tools to use if you ever need to find your nearest fee-free place to withdraw cash.
  • Cash back at checkout. If you use your bank card to pay for groceries via EFTPOS, consider withdrawing extra cash at the same time.
  • No ATM fee accounts. Some transaction accounts have limits on the maximum number of ATM transactions you can perform each month without incurring a fee. Make sure you’re aware of these limits or that you choose an account with no monthly transaction limits.
  • Pay with card instead of cash. These days, most modern merchants have the capability to accept credit or debit card payments. The amount of times you actually have to use cash to pay for your purchases is actually quite small, so consider paying with your card instead of cash wherever possible.
  • Remember that you’re not just charged for withdrawals. As well as a fee for withdrawing cash, many banks will charge a fee of up to $2 if you use one of their ATMs to check your account balance. You can perform the same task for free via internet banking, so don’t use an ATM to check your balance unless you’re fully aware of any fees that may apply.

Compare the best debit cards to use overseas in the table below

Shirley Liu

Shirley is's publisher for banking and investments. She has completed a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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4 Responses to ATM Usage Fees Around the World

  1. Default Gravatar
    Andrea | April 17, 2017

    Hi there, I am travelling to France, Italy and Austria in about 2.5 weeks for 5 weeks total about 10 days per country. I decided to use the Velocity Frequent Flyer Prepaid Visa card to payments and access cash whilst away. I would be most grateful if you could please let me know what the cheapest ATM network to use would be? I am also very interested whether this card is a good choice? I chose it because the only fee (I believe) I will have to pay is for ATM withdrawals.

    • Staff
      Harold | April 18, 2017

      Hi Andrea,

      If you are going to use a card only while you are travelling you may want to consider using a travel money card. You can check the available options through this page.

      I hope this information has helped.


  2. Default Gravatar
    Mahi | July 11, 2016


    Can you please tell me what the best card (credit, debit, money) is for USA? Fees, best exchange rate?



    • Staff
      May | July 11, 2016

      Hi Mahi,

      Thanks for your question.

      As is a comparative financial service, we can’t actually recommend one specific card to our users as the best option depends entirely on your own financial situation, spending habits and travel plans.

      Nevertheless, you may compare your options on this page. By clicking the name of the brand, you’ll be redirected to our review page and you can find more details about the product. If you wish to apply for the card, just simply click on ‘Go to site’ button to head over to the card’s website.

      I hope this has helped.


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