Use any ATM in Australia for free with a bank account from ING, ME or Macquarie Bank.
There are several bank accounts that allow you to withdraw cash from any ATM in Australia for free. Among the most popular bank accounts in the Finder database are the ING Orange Everyday Account and the ME Everyday Transaction Account, which both allow you to access ATMs for free right across Australia.
Bank Account Offer
No fees for any ATM in Australia or overseas. $0 monthly account fees. Enjoy $0 ATM withdrawal fees when you deposit $1000 and make 5+ card purchases per month. Get a competitive ongoing variable rate when linked with the ING Savings Maximiser.
- Account keeping fee: $0.00
- Linked debit card: Visa
- ATM withdrawal fee: $0.00
- Overseas EFTPOS fee: 2.5%
Compare 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.
Here's how 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.
Use one of the Big Four's ATMs
Commbank, Westpac, NAB and ANZ no longer charge any ATM fees for people 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 if you have an Australian debit card.
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.
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. This is followed by Westpac, NAB, ANZ, Citibank and HSBC. Meanwhile, credit unions and building societies will often utilise 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).