ATMs for free-250

Banks with free ATMs anywhere in Australia

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 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.

Rates last updated February 26th, 2018
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
ME EveryDay Transaction Account
A refund is given within 30 days if you get charged any ATM fees when you use the account's linked debit card to withdraw cash from ATMs in Australia.
Macquarie Platinum Transaction Account
Macquarie don’t charge any ATM fees and when you use another bank’s ATM. The dollar amount is refunded straight back into your account.

Compare up to 4 providers

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).

Westpac Global ATM Alliance guide.

The latest news in banking

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.

ATM fees and ways to avoid them.

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.

Shirley Liu

Shirley Liu is a program manager at finder, formerly the publisher for Banking and Investments. She is passionate about helping people make an informed decision, save money and find the best deal for their needs.

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