ATMs for free-250

Bank accounts that let you use ATMs for free

Information verified correct on December 4th, 2016

These bank accounts won’t charge you to use any ATM in Australia

Nearly everyone at some stage has found themselves begrudgingly accepting the $2 - $3 charge to withdraw money. We accept it because we need money and there is no other option, until now. Australians pay hundreds of millions every year in ATM fees. Read on for a list of bank accounts that don’t charge ATM fees and bank accounts with largest ATM networks in Australia.

Bank accounts that don’t charge ATM fees

These accounts give you free ATM withdrawals anywhere in Australia.

ME Everyday Bank Account

ME Bank give you a refund within 30 days if you get charged any ATM fees when you use the ME Bank Everyday Bank Account Debit MasterCard to withdraw cash from ATMs in Australia. Pay no monthly account keeping fee either. The ME Bank Everyday Bank Account is a fee free bank account.

ING DIRECT Orange Everyday Account

ING DIRECT have a similar offer to ME Bank but you have to deposit $1,000 or more each month to get the ATM fee waiver. If you get your monthly pay deposited in the Orange Everyday Account you can use any ATM in Australia for free. ING DIRECT don’t charge a monthly account keeping fee and will give you $75 cash bonus too.

Rates last updated December 4th, 2016
$
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
ING DIRECT Orange Everyday Account
Get a $75 cash bonus.
Get a competitive ongoing variable rate when linked with a Savings Maximiser.
Visa $0 $1,000 No monthly fees, and you can use any ATM in Australia for free when you deposit $1,000 each month e.g your salary. Open More

Bank accounts with large ATM networks

These bank accounts give you a wide range of fee-free ATM withdrawal options.

Bankwest Easy Transaction Account

Bankwest give you free access to a huge number of ATMs. Use the Easy Transaction Account Debit MasterCard to make free ATM withdrawals at Bankwest, Commonwealth Bank, NAB, ANZ, Westpac, St.George, BankSA and Bank of Melbourne ATMs Australia wide. You can avoid the monthly account keeping fee by depositing $2,000 or more in the Easy Transaction Account each month.

Citibank Plus Transaction Account

The Citibank Plus is a standout travel account. Pay no monthly fee, no international ATM withdrawal fee or currency conversion fee when you use this card overseas. It’s not bad at home either, make free ATM withdrawals as Citibank, Westpac, St.George, BankSA and Bank of Melbourne ATMs.

HSBC Day to Day Transaction Account

The Day to Day Transaction Account from HSBC comes with a Visa Debit Card you can use to withdraw money for free at HSBC, Westpac, St.George, Bank of Melbourne and BankSA ATMs. HSBC also do not charge a monthly account keeping fee.

Rates last updated December 4th, 2016
$
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 Minimum deposit of $2,000 per month needed to waive the monthly account fee otherwise $6 monthly fee applies. No ATM fee applicable at Bankwest, CBA, NAB, ANZ, Westpac, St.George, BoM and BankSA ATMs in Australia. Open More
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
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

Financial institutions and ATM network size

The size of the ATM network is a selling point, more ATMs means less walking. Financial institutions have different partnerships with different ATM networks. In Australia, Commonwealth Bank operates Australia’s largest ATM network of more than 4,000 Commonwealth Bank and Bankwest ATMs. NAB has the next biggest ATM network with rediATM  (3,400 ATMs), then Westpac, Citibank and HSBC (3,000).

  • Commonwealth Bank and Bankwest. More than 4,000 ATMs (domestic).
  • Westpac Group. More than 3,000 ATMs (domestic). More than 50,000 ATMs (Global ATM Alliance).
  • Citibank. More than 3,000 ATMs (Westpac Group domestic). More than 20,000 ATMs (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 finder.com.au's publisher for banking and investments. She is currently studying 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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