Australian Bank ATM Fees and Charges
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 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|
|$0 at Bankwest ATMs|
$2.50 at Bankwest ATMs inside 7/11 stores
|$2 (Applies to Online Cash Manager and Cash Management accounts that exceed the specified free withdrawal limits)|
|N/A (you will be notified of the cost at specific ATMs before you proceed with a transaction)|
*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.
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)|
Detailed list in FAQ section.
|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|
|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.
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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