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Australian Bank ATM Fees and Charges

What you’ll pay when using your card to withdraw money from an ATM.

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Lady using credit card to withdraw money from ATM.

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

InstitutionATM partnersWithdrawal fee for other Australian bank cards
ANZ logoN/A$0
BOM logo$0
BOQ logo
  • rediATM
  • NAB
  • CommBank
$0 at Bankwest ATMs
$2.50 at Bankwest ATMs inside 7/11 stores
BCU logo$2
  • Suncorp
  • Citi (International)
  • Bank of Melbourne
  • BankSA
  • St.George
  • Westpac
$2 (Applies to Online Cash Manager and Cash Management accounts that exceed the specified free withdrawal limits)
CommBank logo
  • Bankwest
  • Bank of Melbourne
  • BankSA
  • St.George
  • Westpac
hsbc provider logo
  • 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)
IMB logo
  • Westpac
  • St.George
  • Bank of Melbourne
  • BankSA
Macquarie logo
  • rediATM
NAB logo
  • Bank of Queensland
$0 logo

  • rediATM
Westpac logo$0

*Excluding St.George ATMs operated by a third party, for example St.George ATMs located inside BP service stations.

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.

InstitutionATM partnersCost of ATM withdrawals (for non-ATM partner cards)

Detailed list in FAQ section.

Cash Card (First Data)N/AFrom $2
CashConnect (Banktech)N/AVaries based on region and business
Customers ATM (DirectCash)N/AThe surcharge varies depending on amount and transaction volumes
Indue MoneyN/AN/A
Kwik CashN/AFrom $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.

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 and immediately attract the cash advance interest rate. The fee is usually around 2% of the transaction amount and the cash advance rate is typically around 21% p.a.

Some credit cards don't charge overseas ATM withdrawal fees, but you'll 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

Updated April 3rd, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Interest Free Period Amount saved
Commonwealth Bank Low Rate Gold Credit Card
0% for 15 months, reverts to 13.24% p.a.
5.99% p.a. for 5 months
$89 p.a.
Up to 55 days on purchases
Keep interest costs low with a 0% p.a. introductory rate on purchases for 15 months. Plus, access to complimentary insurance covers.
Bank First Visa Classic Credit Card
0% for 6 months, reverts to 12.79% p.a.
12.79% p.a.
$0 p.a.
Up to 55 days on purchases
Save with a $0 annual fee for life and enjoy 0% p.a. introductory rate for 6 months on purchases and balance transfers.
Commonwealth Bank Low Fee Gold Credit Card
0% for 15 months, reverts to 19.74% p.a.
5.99% p.a. for 5 months
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Up to 55 days on purchases
Save with 0% p.a. for 15 months on purchases and an ongoing annual fee waiver when you meet the spend requirement. Plus, included insurances.
Suncorp Clear Options Platinum Credit Card
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 14 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 55 days on purchases
Save with 0% p.a. for 14 months on purchases and balance transfers and a $49 first year annual fee. Plus, complimentary overseas travel insurance.

Compare up to 4 providers

Bank accounts that let you use ATMs for free

Frequently asked questions

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14 Responses

  1. Default Gravatar
    TomSeptember 19, 2018

    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?

    • Avatarfinder Customer Care
      CharisseSeptember 20, 2018Staff

      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.


  2. Default Gravatar
    SallyMay 1, 2018

    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?

    • Avatarfinder Customer Care
      JoshuaMay 3, 2018Staff

      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!


    • Default Gravatar
      SallyMay 3, 2018

      I understand being charged a fee if withdrawing money, but seems unreasonable to be charged $2.50 for a balance check.

    • Avatarfinder Customer Care
      JeniMay 4, 2018Staff

      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!


  3. Default Gravatar
    LindaMay 27, 2016

    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?

    • Avatarfinder Customer Care
      MayMay 31, 2016Staff

      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.


  4. Default Gravatar
    DeborahFebruary 21, 2016

    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

    • Avatarfinder Customer Care
      JonathanFebruary 22, 2016Staff

      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 .



  5. Default Gravatar
    gordonApril 22, 2013

    sorry I have just asked a question and lost the possible reply..(re ATM matters for my ASB Auckland account

    • Avatarfinder Customer Care
      JacobApril 23, 2013Staff

      HI Gordon. I’ve sent something to your email. Jacob.

  6. Default Gravatar
    GordonApril 22, 2013

    If I use my ASB New Zealand card for cash withdrawals in Australia. First of all is that OK and, if so, what will the cost be, if any, of a withdrawal ?

    • Avatarfinder Customer Care
      JacobApril 23, 2013Staff

      Hi Gordon. Thanks for your question. You should be able to use your New Zealand Card at Australian outlets / merchants where Visa, MasterCard or American Express are accepted. There may be a cost, usually a cash advance fee, cash advance interest rate, cross currency conversion fee, international ATM fee and local ATM operator fee ($2.00-$2.50) when you use your card to make a withdrawal from an ATM and a cross currency conversion fee and purchase rate of interest when you make a purchase. Please check with your credit card issuer and the credit contract you received when you got the card for a full list of international fees and charges. Jacob.

Credit Cards Comparison

Updated April 3rd, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 p.a.
Earn flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
Qantas American Express Ultimate Card
20.74% p.a.
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations. Ends 14 Apr 2020.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$45 p.a.
A no-frills credit card with a competitive annual fee and 0% p.a. interest rate on balance transfers for the first 18 months.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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