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.

Bankwest Easy Transaction Account

Best Bank with free ATMs Account Offer

2% cash back offer for new customers (conditions apply).
Open account by 30 June 2017 to earn 2% cash back on contactless purchases and pay no monthly fees until 31 August 2017.

  • $0 ATM fees charged when using a major bank ATM Australia-wide
  • No monthly account keeping fees when you deposit at least $2,000 per month, conditions apply
  • Get banking alerts pushed straight to your phone

    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.

    Rates last updated April 30th, 2017
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    ING DIRECT Orange Everyday Account
    ATM fees waived anywhere in Australia if you deposit $1,000 or more each month.
    Visa $0 $1,000 $0 monthly account keeping fees. Unlimited free withdrawals at any ATM in Australia if you deposit $1,000 each month. Go to site More
    ME EveryDay Transaction Account
    A refund is given 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.
    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
    Macquarie Platinum Transaction Account
    Macquarie don’t charge any ATM fees and when you use another bank’s ATM. The dollar amount is refunded straight back into your account.
    Mastercard $0 Free access to the rediATM network More
    Bankwest Easy Transaction Account
    Free transactions at ATMs from Bankwest, Commonwealth Bank, Westpac, NAB, Commonwealth Bank, St.George Bank, Bank of Melbourne and BankSA ATMs.
    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, Bank of Melbourne and BankSA ATMs. Go to site 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.

    Was this content helpful to you? No  Yes

    Related Posts

    Savings Account Offers

    Learn about our information service
    ING DIRECT Savings Maximiser

    Maximum Variable Rate


    Standard Variable Rate

    ME Online Savings Account

    Maximum Variable Rate


    Standard Variable Rate

    Bankwest Hero Saver

    Maximum Variable Rate


    Standard Variable Rate

    ANZ Progress Saver

    Maximum Variable Rate


    Standard Variable Rate


    Ask a Question

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
    Rates and fees mentioned in comments are correct at the time of publication.
    By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

    Ask a question