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.

Bankwest Easy Transaction Account

Best Bank with free ATMs Account Offer

Get up to $50 cash back per month for new customers (conditions apply).
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  • $0 ATM fees charged when using a major bank ATM Australia-wide
  • No monthly account keeping fees when you deposit at least $2,000 per month, conditions apply
  • Get banking alerts pushed straight to your phone

    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 August 22nd, 2017
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    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.
    Mastercard $0 $0 No fees when using any ATM in Australia – you'll get a refund within 30 days for any fees you pay for an ATM. More
    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.
    Mastercard $0 Free access to the rediATM network More
    Bankwest Easy Transaction Account
    Free transactions at ATMs from Bankwest, Commonwealth Bank, Westpac, NAB, Commonwealth Bank, St.George Bank, Bank of Melbourne and BankSA ATMs.
    Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $6 monthly fee applies. Unlimited free withdrawals at CommBank, NAB, ANZ, Westpac, St.George, Bank of Melbourne and BankSA ATMs. Go to site More

    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 and ME Bank Everyday Bank Account do not charge for ATM withdrawals at any ATM in Australia. These accounts are free to open and ING and ME Bank 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.

    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 is's publisher for banking and investments. She has completed a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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