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.
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
*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.
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
|Brand||ATM partners||Cost of ATM withdrawals (for non-ATM partner cards)|
|atmx by Armaguard||From $2.50|
|rediATM||rediATM was acquired by Armaguard in 2019 and is now part of the atmx network. If you see a rediATM branded machine, it will have the same partners as atmx.||From $2.50|
|Cash Card (First Data)||N/A||From $2|
|Customers ATM (DirectCash)||N/A||Varies|
|Kwik Cash||N/A||From $2|
|Next Payments||N/A||From $2.50|
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.
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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Frequently asked questions
- Cuscal media release on Armaguard's rediATM acquisition
- News.com.au atmx fee article (published 16 December 2020, accessed 31 January 2023)
- Westpac media release (17 April 2023)
- Banking Day article "Armaguard hikes customer fees for atmx machines" (published 8 November 2022, accessed 20 April 2023)
- Australian Banking Association "ATMs that are free to use" (2022)
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