Australian Bank ATM Fees and Charges

Know exactly what you’ll pay when using your card to withdraw money from an 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 out of your network, you could be charged ATM fees for the convenience. 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 non-customers (when applicable)	Balance check fee (when applicable)
ANZ	N/A	$1	$1
Bank of Melbourne	BankSA St.George Westpac Westpac Global ATM Alliance	$2	$2
Bank of Queensland	rediATM NAB	$2	$2
BankSA	Bank of Melbourne St.George Westpac Westpac Global ATM Alliance	$2	$2
Bankwest	CommBank NAB ANZ Westpac St.George Bank of Melbourne BankSA	$2.50 at Bankwest ATMs $2 at Bankwest ATMs inside 7/11 stores	$2.50 at Bankwest ATMs $2 at Bankwest ATMs inside 7/11 stores
bcu	BankSA St.George* Westpac Westpac Global ATM Alliance	$1	$1
Bendigo Bank	Suncorp Bank	$2.50	$2.50
Citi	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)	$2 (Applies to Online Cash Manager and Cash Management accounts that exceed the specified free withdrawal limits
Commonwealth Bank	Bankwest	$2	$2
Heritage Bank	Bank of Melbourne BankSA St.George Westpac	$0	$0
HSBC	Bank of Melbourne BankSA St.George Westpac	N/A (there is no exact figure, but you will be notified of the cost at specific ATMs before you proceed with a transaction)	N/A
IMB	Westpac St.George Bank of Melbourne BankSA	$0	$0
Macquarie Bank	rediATM	$0	$0
ME Bank*	Westpac St.George Bank of Melbourne BankSA	$0	$0
NAB	rediATMs Bank of Queensland	$2	$2
St.George	Bank of Melbourne BankSA Westpac Westpac Global ATM Alliance	$2	$2
Suncorp Bank	Bendigo Bank	$2	$2
Westpac	Bank of Melbourne BankSA St.George Westpac Global ATM Alliance	$0 (If part of Global ATM Alliance network and Westpac Group partners)	$0 (If part of Global and non-Global Alliance partners)

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

You can use the above table to see whether or not your bank has a list of ATM partners that you can enjoy free ATM withdrawals from. To help you compare the costs, we’ve separated the table into three 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.
• Balance check fees. This fee may be charged for checking your account balance at a non-partner ATM in Australia.

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

Read through the following tips to minimise or avoid paying ATM fees.

• Use a partner ATM. Make sure you use an ATM owned by your financial institution or a partner ATM. For example, St.George cardholders can make free ATM withdrawals at BankSA, Bank of Melbourne and Westpac ATMs in Australia. Check your bank’s website or mobile app for an ATM locator that can advise you of nearby machines you can use for free.

• Use mobile banking. Save time and money by checking your balance online. Many mobile banking applications let you check your account balance by logging into your online account. Mobile banking is free to use (excluding data charges) and you can check your account balance anywhere and anytime. In some cases, you may be able to transfer money directly from an app and eliminate the need for cash completely.

• 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 Direct 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.

Using your credit card to withdraw from an ATM can be a convenient way to get cash, but it comes at a cost. If you plan to use your credit card (or even debit card) for ATM withdrawals, understanding which ATM machines belong to an ATM alliance can help you save in the long run. As credit card ATM withdrawals also incur cash advance fees and interest rates (as well as the standard ATM withdrawal), you might want to reconsider using your plastic to get cash. Otherwise, you might want to consider a credit card that charges low or no cash advance fees to cut down on costs.

Bank accounts that let you use ATMs for free

Frequently asked questions