Bank accounts with no ATM fees

You can use your Australian debit card at any Big Four bank ATM in the country and pay no fees. Here's how it works and how to get one.

1 - 6 of 213
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
St.George Complete Freedom Account
St.George Bank logo
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get $40 cashback on groceries when you spend $160 on your digital Visa Debit card within 60 days at Woolworths or Coles. New customers only. (T&C’s apply).
Westpac Choice
Westpac logo
Apple Pay Google Pay Samsung Pay Garmin Pay Digital Card
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Eligible cardholders can get discounts when shopping at partner brands.

NAB Classic Banking Account
NAB logo
Apple Pay Google Pay Samsung Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get personalised cashback offers via the NAB app with NAB Goodies
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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. The ATM operator (one of the Big Four banks) won't charge a fee, but your bank account may charge its own withdrawal fee (this isn't that common).

"I don't use cash much these days, but when I do it is usually at a market or somewhere that doesn't take card or paywave. In my experience, locations like these often use third party ATMs. One of my favourite things about the Orange Everyday Account I have is that it gives you free withdrawals from non-bank ATMs like these (by rebating the fee). I even had a $7 ATM rebated once! When I took out the Orange Everyday Account it used to offer unlimited fee-free withdrawals, while now it's capped at five ATM fee rebates a month. I take out cash a lot less than I used to though, so five is still enough for me and this remains a great feature in my opinion."

Jen Snell
Finder crew member

Other ways you can avoid ATM fees

Find a bank account which doesn’t charge ATM fees

Some bank accounts do not charge for ATM withdrawals at any ATM in Australia, even ATMs that aren't operated by the Big Four banks. For example, the ING Orange Everyday Account will rebate the first 5 ATM fees you pay each month. The Macquari Transaction Account charges no ATM fees at all. These accounts are free to open online.

Use a partner ATM

Make sure you’re aware of your bank'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 ATM locator tools

Financial institutions all have tools on their websites and mobile banking apps you can use to find the closest ATM or branch where you can withdraw for free.

Get 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 the $20 minimum available from ATMs. You can often do this yourself at self-serve checkouts for free.

Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 631 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

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