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.

ME Bank give you a refund 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, and carries no monthly fees.

Rates last updated February 27th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ME EveryDay Transaction Account
Free access to any ATM in Australia.
Get your ATM fee refunded within 30 days with $0 monthly fees.
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

Just by getting your monthly pay deposited in the Orange Everyday Account, you might be able to start using any ATM in Australia for free. ING DIRECT will waive ATM fees anywhere in Australia if you deposit $1,000 or more each month.

ING DIRECT don’t charge a monthly account keeping fee, and will start you off with a $75 cash bonus for signing up to this account.

Rates last updated February 27th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ING DIRECT Orange Everyday Account
$75 cash bonus + Apple Pay available
Get a competitive ongoing variable rate when linked with a Savings Maximiser.
Visa $0 $1,000 $0 monthly account keeping fees. Unlimited free withdrawals at any ATM in Australia if you deposit $1,000 each month. Open More

The Bankwest Easy Transaction account lets you make free transactions at ATMs from Bankwest, Commonwealth Bank, Westpac, NAB, Commonwealth Bank, St. George Bank, Bank of Melbourne and BankSA, making it easier to pay no ATM fees at all no matter where you are in Australia.

Combined with a range of other benefits, it might be account you've been looking for.

Rates last updated February 27th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Bankwest Easy Transaction Account
Pay no ATM fees at over 10,000 ATMs in Australia (conditions apply).
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, BoM and BankSA ATMs. Open More

You have no monthly account keeping fees with the HSBC Day to Day Transaction Account, and can also avoid ATM fees by using HSBC, Westpac, St.George, Bank of Melbourne and BankSA ATMs for free withdrawals.

In addition to this, the account can reward transactions, benefiting everyday use.

Rates last updated February 27th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
HSBC Day to Day Transaction Account
Your Visa debit card unlocks special privileges worldwide with the HSBC home&Away Privilege Program.
Visa $0 $0 $0 monthly fees. No ATM fees at over 3,000 HSBC, Westpac, St.George, Bank of Melbourne and BankSA ATMs. More

With no monthly fee, no international ATM withdrawal fee and no currency conversion fee when you use this account's linked debit card overseas, the Citibank Plus is a standout travel account.

It’s not bad at home either, letting you make free ATM withdrawals at Citibank, Westpac, St.George, BankSA and Bank of Melbourne ATMs.

Rates last updated February 27th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Citibank Plus Everyday Account
Free international money transfers and free overseas Citibank ATM withdrawals.
Visa $0 $0 No ATM fees using Citibank, Westpac, BankSA and St.George branded ATMs in Australia. Use overseas Citibank ATMs for free. 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.

Ways you can avoid ATM fees

Find a bank account which doesn’t charge ATM fees

The ING DIRECT 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 Direct 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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