These bank accounts charge no fees for any ATM in Australia
Nearly everyone has found themselves begrudgingly spending $2 - $3 just for using an ATM. Altogether this adds up to Australians paying hundreds of millions of dollars in ATM fees every year, simply because we don't have any other option. At least that's what we thought. If you look for them, it turns out that some banks will let you use any ATM in Australia for free with certain accounts.
Bank Account Offer
$75 cash bonus. $0 monthly account fees. Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month and make 5+ card purchases (T&Cs apply). Get a competitive ongoing variable rate when linked with an ING Savings Maximiser.
- Account keeping fee: $0.00
- Linked debit card: Visa
- ATM withdrawal fee: $0.00
- Overseas EFTPOS fee: 2.5%
Bank accounts that don’t charge ATM fees
Compare features to find the account that's right for you, and you can wave goodbye to ATM fees.
Free ATMs in bank networks
Some of the above bank accounts can get you zero ATM fees at any machine in Australia, while others will let you use most ATMs in the country with no charge. You can also avoid ATM fees by selecting a bank with an especially large ATM network.
Which bank has the most ATMs in Australia?
More ATMs means less walking, so the size of an banking network is a selling point. To offer more for their customers, financial institutions have formed partnerships to provide different ATM networks. In Australia, Commonwealth Bank operates Australia’s largest ATM network of more than 4,000 Commonwealth Bank and Bankwest ATMs, while NAB partnered with rediATM has the next biggest network, followed by Westpac, Citibank and HSBC. Meanwhile, credit unions and building societies will often utilise the rediATM network, as does National Australia Bank.
- Commonwealth Bank and Bankwest. More than 4,000 ATMs (domestic).
- Westpac Group. More than 3,000 ATMs (domestic). More than 50,000 ATMs worldwide (Global ATM Alliance).
- Citibank. More than 3,000 ATMs (Westpac Group domestic). More than 20,000 ATMs worldwide (Citibank international).
- HSBC. More than 3,000 ATMs (Westpac Group domestic).
- ANZ. More than 2,600 ATMs (domestic).
- Suncorp and Bendigo Bank. More than 2,000 ATMs (domestic).
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Ways you can avoid ATM fees
Find a bank account which doesn’t charge ATM fees
The ING Orange Everyday Account, ME Bank Everyday Bank Account and Macquarie Platinum Transaction Account do not charge for ATM withdrawals at any ATM in Australia. These accounts are free to open and can assist you switching your banking services from your current financial institution.
Use an partner ATM
Make sure you’re aware of your financial institution’s partner ATMs and you never miss out on an opportunity to make a free withdrawal.
Use one of the Big Four's ATMs
Commbank, Westpac, NAB and ANZ now do not charge any ATM fees for non-bank customers withdrawing cash from their ATMs. This mean that even if you don't bank with one of the Big Four, you can still use their ATMs for free.
ATM locator tools
Financial institutions all have tools on their websites and mobile banking applications you can use to find the closest ATM or branch where you can withdraw for free.
Cash out over the counter
Woolworths, Coles, McDonald's, Shell or BP, major supermarkets, petrol stations and large retail chains will let you get cash out over the counter when you make a purchase. This comes in handy when you want to withdraw less than $20 minimum available from ATMs.
It costs ATM operators a fraction of the fee they charge consumers to use an ATM. Every dollar counts. Save your money for yourself and let your bank cry poor. Compare and apply for a bank account that doesn’t charge ATM fees today.