Pay no ATM fees with these bank accounts | Finder

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).

Promoted
Bank account offer
HSBC Everyday Global Account
Promoted
$0
monthly fee
$0
ATM withdrawal fee
  • Google Pay, Apple Pay
  • Monthly fees: $0
  • No international transaction fees
  • Up to 10 currencies

HSBC Everyday Global Account

Special offer: $100 cash bonus for new HSBC customers. Earn 2% cashback on tap and pay purchases (T&C's apply).
Special offer: $100 cash bonus for new HSBC customers. Earn 2% cashback on tap and pay purchases (T&C's apply).

You can use any of these debit cards at Big Four bank ATMs for free

Data updated regularly
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly account fee
HSBC Everyday Global Account
Visa
$0
$0
$0
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

NAB Classic Banking
Visa
$0
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
MyState Bank Glide Account
Visa
$0
$0
$0
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
Suncorp Everyday Options Account
Visa
$0
$0
$0
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
CUA Everyday Snap Account
Visa
$0
$0
$0
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). Refund of overdrawn fees.
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Citi Global Currency Account
Mastercard
$0
$0
$0
Earn up to 0.75% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
CUA Everyday Account
Visa
$0
$0
$0
Enjoy flexible payment options and access to a wide network of ATMs.
$0 monthly account fee.
Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia. Deposit $1,000+ into this each month and receive bonus interest on a linked CUA eSaver Reward Account.
CUA Everyday Youth Account
Visa
$0
$0
$0
Designed for young Australians between 10 and 17 years old, a CUA Everyday Youth Account is designed to make everyday banking easier.
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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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