Australian Bank ATM Fees and Charges

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
	BankSA St.George Westpac Westpac Global ATM Alliance	$0
	rediATM NAB	$2
	Bank of Melbourne St.George Westpac Westpac Global ATM Alliance	$0
	CommBank	$0 at Bankwest ATMs $2.50 at Bankwest ATMs inside 7/11 stores
	BankSA St.George* Westpac Westpac Global ATM Alliance	$2
	Suncorp	$2.50
	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)
	Bankwest	$0
	Bank of Melbourne BankSA St.George Westpac	$0
	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)
	Westpac St.George Bank of Melbourne BankSA	$0
	rediATM	$0
	Bank of Queensland	$0
	Bank of Melbourne BankSA Westpac Westpac Global ATM Alliance	$0
	rediATM	$0
	Bank of Melbourne BankSA St.George Westpac Global ATM Alliance	$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.

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 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.

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Bank accounts that let you use ATMs for free

Frequently asked questions

• What is a direct charge and when does it apply to ATMs?

  This is another name for an ATM fee. A “direct charge fee” is what you’ll pay when you use a fee-charging ATM outside your financial institution’s ATM network.

• Do ATMs display ATM fees that they charge?

  The ATM you’re using will display the ATM fees before you proceed with your transaction. At this point, you have the option to continue or simply take your card and leave.

• Which banks are rediATM partners?

  rediATM operates one of the largest ATM networks in Australia, partnered with over 100 banks, credit unions and mutuals, including:

  • AMP Bank
  • Bank Australia
  • Bank of Queensland
  • Community First Credit Union
  • Defence Bank
  • Family First Credit Union
  • First Choice Credit Union
  • Holiday Coast Credit Union
  • Horizon Credit Union
  • Illawarra Credit Union
  • Macquarie Bank
  • People's Choice Credit Union
  • Suncorp
  • Sydney Credit Union (SCU)
  • Teachers Mutual Bank

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