Australian Bank ATM Fees and Charges
What you’ll pay when using your card to withdraw money from an ATM and how to avoid these fees.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
If you're using an ATM that belongs to your bank, or a bank in its alliance, you will not be charged an ATM fee to withdraw cash. If you find yourself needing to use an ATM outside of this network, you could be charged ATM fees. See the table below for 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 |
|---|---|---|
 | N/A | $0 |
 |
| $0 |
 |
| $2 |
 |
| $0 |
 |
| $0 |
 |
| $0 |
 |
| $0 |
 |
| $2 applies to Online Cash Manager and $10 to Cash Management accounts that exceed the specified free withdrawal limits |
 |
| $0 |
 |
| $0 |
 |
| N/A (you will be notified of the cost at specific ATMs before you proceed with a transaction) |
 |
| $0 |
 |
| $0 |
 |
| $0 |
|
| $0 |
 |
| $0 |
 |
| $0 |
* St.George ATMs operated by a third party are excluded (for example: St.George ATMs located inside BP service stations) unless they too, are in partnership with Westpac.
You can use the table above to see whether or not your bank has any ATM partners that you can enjoy free ATM withdrawals from. To help you compare the costs, we’ve separated the table into two key categories:
- ATM partners. These financial institutions are partnered together so customers can use any of their 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 machines
Except rediATM, which is owned by Cuscal, these independent ATM networks can be owned by individuals or syndicates who have purchased a lease off an ATM operator. 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. This means 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 $3 or $4.
| Institution | ATM partners | Cost of ATM withdrawals (for non-ATM partner cards) |
|---|---|---|
| rediATM |
Detailed list in FAQ section. | $2.00 |
| Cash Card (First Data) | N/A | From $2 |
| CashConnect (Banktech) | N/A | Varies based on region and business |
| Customers ATM (DirectCash) | N/A | The surcharge varies depending on amount and transaction volumes |
| Indue Money | N/A | N/A |
| Kwik Cash | N/A | From $2 |
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. During September/October 2017, the four major Australian banks and a handful of others stopped charging ATM fees for out of network cards. As they are typically the easiest ATMs to find, you shouldn't have an issue making a fee-free cash withdrawal with your Australian debit card.
- Use a global alliance ATM if you’re overseas. Westpac are part of the Global ATM Alliance. Westpac Group cardholders (Bank of Melbourne, BankSA and St.George) can make withdrawals for free at a huge number of international ATMs. For example, use a BNP Paribas ATM if you’re in France or Barclays Bank ATM if you’re in the UK and you can avoid the fee for international ATM withdrawals. What’s more, 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 regarding when you’re eligible for fee-free withdrawals, so make sure to read the terms and conditions before applying.
Which bank has the biggest ATM network in Australia?
What fees will I be charged for using my credit card at an ATM?
Using your credit card to withdraw from an ATM can be a convenient way to get cash, but it comes at a relatively high cost. 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.
Some credit cards don't charge overseas ATM withdrawal fees, but 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.
Compare 0% Purchase Credit Card Offers
Bank accounts that let you use ATMs for free
Frequently asked questions
Pictures: Shutterstock
More guides on Finder
-
Why is ING ditching unlimited free ATMs for a $100 cashback offer?
ING will give customers up to $100 cashback per year on their gas, water and electricity bills when you pay using your Orange Everyday account.
-
BankSA Vertigo – Cashback Offer
The BankSA Vertigo card offers $300 cashback, a waived first-year annual fee and a low ongoing purchase interest rate.
-
St.George Vertigo Card – Cashback Offer
This card offers a low ongoing purchase interest rate, a $0 first-year annual fee and a $300 cashback offer.
-
Bank of Melbourne Vertigo Card – Cashback Offer
Compare the features of the Bank of Melbourne Vertigo credit card, including a $0 first-year annual fee and a $300 cashback.
-
July’s best balance transfer credit card offers
Australians are paying interest on over $20 billion of credit card debt, but you can save with one of these 0% balance transfer offers for up to 36 months.
-
Tap-and-whoa: Aussies racked up $24 billion on credit cards in December
Funding Christmas festivities with a credit card pushed Australians $24.3 billion deeper into debt, according to new research by Finder.
-
0% Balance Transfer Credit Card Offers
Pay no interest on your credit card debt and clear it faster with a 0% balance transfer credit card. Compare and apply here.
-
December’s best balance transfer credit card offers: Save with 0% p.a. for up to 30 months
Hit pause on interest charges when you move your debt to one of these credit cards offering an introductory 0% p.a. balance transfer rate.
-
Bank of Melbourne Vertigo Platinum – Cashback Offer
A low rate platinum credit card that includes a cashback offer and perks such as complimentary travel insurance and purchase insurance.
-
BankSA Vertigo Platinum – Cashback Offer
The BankSA Vertigo Platinum card offers a $300 cashback a low ongoing purchase rate and a range of complimentary insurance covers.
Ask an Expert
If I had a bank of Melbourne card and I needed to deposit money but the only ATM near me with cash deposit is anz would I get a charge?
Cheers
Hi Tom,
Thanks for reaching out to finder.
You can only make cash and cheque deposits at selected Bank of Melbourne’s partner banks ATMs such as St.George and BankSA. It’s best to contact Bank of Melbourne to verify and confirm if it’s possible to make a deposit through ANZ ATM to avoid any mistakes.
I hope this helps.
Cheer,
Charisse
My friend is on a pension. Her son moved for work and left his cat with her but said he’d pay for food and would transfer money. She went several times to a rediATM (the only one near her) to see if funds arrived. She was charged $2.50 each time for balance check, not even a withdrawal. Are they allowed to do this?
Hi Sally,
Thanks for getting in touch with finder.
I understand that this situation could be frustrating. There are different ways on how ATMs earn and one of them is charging withdrawal fees. If you use an ATM which isn’t a partner of your card, then it is most likely that you will be charged a fee.
It is important to take note of the name of your card and the ATMs that don’t charge any fee. You can do that by looking at our table on this page. So, for example, if your card is NAB or Macquarie cards and you use RediATM, you won’t have to pay any withdrawal or inquiry fee.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I understand being charged a fee if withdrawing money, but seems unreasonable to be charged $2.50 for a balance check.
Hi Sally,
Thank you for getting in touch with finder.
I can understand your frustration. I suggest that every time you check your or your friend’s balance in a cash machine, make sure that they are ATM partners. When we say ATM partners, these financial institutions are partnered together so customers can use any of their ATMs free of charge. Customers are charged $2.50 even doing a balance enquiry and this fee is called “disloyalty” fee for using rival ATMs.
As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.
I also advise you to contact your bank to verify this info for your peace of mind.
I hope this helps.
Have a great day!
Cheers,
Jeni
My son was charged an ATM operator fee of $8.00 for a withdrawal which I think is extremely excessive. Is this a rip-off or are the non-bank ATMs that charge this much?
Hi Linda, thanks for your question!
Usually, ATM operators charge fees to non-partner banks and unfortunately these fees are usually high especially when you use the independent ones. So as much as possible, you have to look for an ATM where you can withdraw funds from your own bank’s ATM or ATM alliances.
Cheers,
May
hi i am wondering if i am able to use commonwealth atm to withdraw cash from my bendigo account and will it cost me also wondering if bendigo bank Atm’s in tasmania have the cardless cash option as i have just opened an account with bendigo bank and wont have my card for up to 10 days
Hi Deborah, thanks for your inquiry!
Unfortunately Bendigo Bank does not currently have a cardless cash option. Without a card withdrawing from a Commonwealth Bank ATM would not be supported. The cost for withdrawal from a non Bendigo Bank/ Suncorp ATM from a Commonwealth Bank ATM is $2.00 .
Cheers,
Jonathan
sorry I have just asked a question and lost the possible reply..(re ATM matters for my ASB Auckland account
HI Gordon. I’ve sent something to your email. Jacob.