Bank accounts with no ATM fees
Did you know you can use some Australian debit cards at any Big Four bank ATM and pay no fees? Here's how to get one.
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There are a couple of bank accounts that allow you to withdraw cash from any ATM in Australia for free, such as the ING Orange Everyday Account and the ME Everyday Transaction Account. But you'll be pleased to know you can actually avoid ATM fees with most Australian bank accounts.
You can use any Australian debit card at CommBank, ANZ, NAB or Westpac ATMs Australia-wide and pay no ATM withdrawal fees. You don't need to be a customer of these banks either, all you need is an Australian debit card (not a prepaid Visa or MasterCard).
- Google Pay
- Apple Pay
- Monthly fees: $0
- No international transaction fees
- Up to 10 currencies
You can use any of these debit cards at Big Four bank ATMs for free
How can I avoid ATM fees with my Australian debit card?
You can use the ATMs owned by your bank to withdraw money for free. For example if you're with Greater Bank, you can access all Greater Bank ATMs for free. But did you know you can also access Big Four bank ATMs for free if you've got an Australian debit card?
The Big Four banks have removed the fees charged to customers of another bank when they use their ATMs. This means if you've got an Australian bank account with a debit card (like any of the accounts in the table above), you can use it to withdraw cash for free at all CommBank, ANZ, NAB or Westpac ATMs across Australia.
Other 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 online.
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. For example, CBA customers can also use Bankwest ATMs for free. And St.George customers can use Westpac ATMs fee-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.
Choose a bank with lots of ATMs
More ATMs means less walking, so the size of a banking network is a selling point is you often withdraw cash. 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. This is followed by Westpac, NAB, ANZ, Citibank and HSBC. Meanwhile, credit unions and building societies will often use the rediATM network.
- 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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