Finder makes money from featured partners, but editorial opinions are our own.

Best debit cards

The best debit card for you is one that lets you use your money how and when you want to, with minimal fees. Here are our top debit card picks for May 2024.

1 - Best debit card for travelling

HSBC Everyday Global Account

$0
Monthly fee
$0
ATM withdrawal fees
Visa

Debit Card
The HSBC Everyday Global Account is one of the best bank accounts for travelling. It has no account keeping fees, no international transaction fees and access to free ATMs around the world. You can hold up to 10 different currencies in the one account, which allows you to top up on a currency while the exchange rate is good, then spend in that local currency while you're overseas. Plus, earn 2% cashback on tap and pay purchases (T&Cs apply). It won a Finder Banking Award for best travel debit card.
  • Earn 2% cashback on tap and pay purchases
  • Hold up to 10 currencies in the one account
  • No international transaction fees
  • No international ATM fees
  • Apple Pay and Google Pay available
  • You can only pre-load up to 10 currencies
  • Fees apply to deposit foreign currency notes into the account
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

2 - Best debit card for budgeting

Suncorp Everyday Options Account

$0
Monthly fee
$0
ATM withdrawal fees
Visa

Debit Card
The Suncorp Everyday Options account is one of the best debit cards to help you budget. You can link up to 9 smaller sub-accounts to your main account to help you manage different expenses. For example, you could have one sub-account for bills, one sub account for emergencies and one for your fun 'splurge' purchases. Plus, there are no account keeping fees to pay on any of the accounts.
  • No account keeping fees
  • Link up to 9 sub-accounts
  • Use the sub-accounts to help you save for individual goals
  • Make contactless purchases with Google Pay and Apple Pay
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

3 - Best no fee debit card

Ubank Spend Account

$0
Monthly fee
$0
ATM withdrawal fees
Visa

Debit Card
The Ubank Spend account is one of the best bank accounts for no fees. Pay no account keeping fees, no local ATM fees at all major bank ATMs, no overseas ATM fees and no foreign transaction fees plus see your other bank accounts, super and investments all within your ubank app for free.

  • No account keeping fees
  • No overseas ATM fees or foreign transaction fees
  • Spending tracking tools
  • Access thousands of ATMs in Australia for free
  • Apple Pay and Google Pay available
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

4 - Best debit card overall for 2024

Macquarie Bank Transaction Account

$0
Monthly fee
$0
ATM withdrawal fees
Mastercard

Debit Card
The Macquarie Transaction Account is one of the best bank accounts in the market if you're wanting to also earn interest on your balance. Your bank account balance will earn 4.75% p.a. interest with no conditions to meet, helping you save more money. It also has no account keeping fees, no international ATM fees and pays a refund on any local ATM fees charged.
  • Earn interest on your balance
  • No ATM fees
  • No international purchase fees
  • No monthly account keeping fees
  • Convenient on-the-go banking with the mobile banking app
  • No branch access
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee
Alison Banney
Expert best debit card picks selected by Alison Banney – money editorial manager

Find the right debit card for you

Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Westpac Choice
Apple Pay Google Pay Samsung Pay Fitbit 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.

HSBC Everyday Global Account
Finder AwardApple Pay Google Pay10 Currencies
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Earn 2% cashback on tap and pay purchases.


Suncorp Everyday Options Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
MyState Bank Glide Account
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
ING Orange Everyday Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
1% cashback on utility bills (T&Cs apply)
St.George Complete Freedom Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
Up Everyday Account
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Revolut Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa and Mastercard
Go to siteMore Info
loading
Showing 8 of 8 results

What's the best debit card?

A debit card offers the convenience of making purchases online, in-store and overseas, without the added pressure of interest charges that come with a credit card. The right debit card for you will allow you to spend your money the way you want to, have low fees and maybe even some extra perks and benefits like cashback on your spending. The best debit card will have some, or all, of these great features and benefits:

  • No account fees (or low account fees)
  • Various contactless payment options available
  • Option to withdraw cash at ATMs for free
  • Cashback offers and other perks
  • Bonus interest on the linked savings account
  • A good mobile banking app
  • No overseas fees

When you compare debit cards it's good to keep in mind there's no one debit card that is best for everyone, as we all use our money in different ways.

How do we choose our debit card top picks?

At Finder, we've been comparing debit cards for more than a decade. Using the product data we've collected, ongoing consumer testing, customer surveys and many (many!) account comparisons, we assess the debit cards in our panel based on a few key features that we know you care most about to bring you our picks. We also use our annual Finder Banking Awards to help guide our assessment.

It's things like cashback offers, budgeting tools and fee-free cards that we know consumers care about when choosing a debit card, and form the basis of our top picks.

While we haven't looked at all accounts in the market, we're confident our picks are always strong offers. However, keep in mind these top picks may not be the best pick for you personally and it's always important to compare your options.

Specifically, here's how we determine each of our top pick recommendations:

How to choose the best debit card

A debit card comes with an everyday bank account, so you need to look at the whole account when choosing which debit card is right for you. Here are a few things to consider when choosing.

Public

The monthly fee.

A lot of debit cards will come with no monthly account keeping fee, which is great. If it does have a fee, check if you're getting any extra benefits or perks by paying this fee. For example, some accounts charge a fee but also offer discounts on partner brands or unlimited in-branch transactions.

Public

The international fees.

A debit card that provides unlimited fee-free access to your money in Australia may be ideal when you're at home, but if it charges high overseas transaction fees, then it could leave a big hole in your balance on your next international holiday. That being said, if you rarely go overseas you might not be too fussed about this fee.

Public

Payment options.

Check that the account offers the different payment options you like to use, for example Apple Pay, Google Pay, Fitbit Pay and Garmin Pay. If you want to make instant transfers using your phone number, make sure the account offers PayID.

Public

Cashback and perks

Some bank accounts offer cash back when you open your first account, and some debit cards offer cash back on each purchase you make. It's an incentive to choose their account over others in the market. Others may offer different perks like discounts on partner brands, discounts on bills or the ability to earn points.

Public

Linked savings account.

You might be eligible for bonus interest on your savings if you opt for a savings account with the same bank as your debit card.

How to apply for a debit card

It's easy and quick to apply for a debit card online. Using our comparison table above, once you've selected which debit card is right for you, simply click 'Go to site' to be securely redirected to the provider's website. From there all you need to do is complete the online application form.
Remember, debit cards come attached to an everyday transaction account. So when you complete the application you'll be opening a new transaction account which will come with your debit card.
You'll need to meet some basic eligibility criteria to get a debit card in Australia.

Eligibility

  • Age requirement. You'll often need to be over 18 to apply for a debit card, however some accounts do allow customers as young as 12-14 to apply.
  • Residency requirement. You must be an Australian resident or citizen with an Australian residential address.

Documentation needed

  • Personal identification. A valid driver's license, passport, birth certificate or Medicare card is needed to verify your identity online when applying for a debit card.
  • Personal information. Your full name, date of birth and physical address ad tax file number will all be required while filling out the application.

What happens after I submit my application?

When you've successfully completed the application and the bank has verified your identity online, your bank account will be opened and your new debit card will arrive in the mail within 3 to 7 business days. Some bank accounts will allow you to create a virtual debit card instantly in their mobile banking app which you can use while you wait for your physical card to arrive.

Frequently asked questions

Why you can trust Finder's banking experts

free

We're free

Our comparison tables are completely free to use. We link you directly to the bank's secure application page. On a daily basis we update the rates, fees and conditions of the 200+ accounts on our database.
expert advice

We're experts

We've researched and rated hundreds of accounts for our Finder Awards. We've published 100+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by a bank or lender. That means our opinions are our own and you can compare nearly every bank account in Australia on Finder.
help

We're here to help

Since 2015, we’ve helped over 1.3 million Australians find an account. We'll never ask for your personal information. We're here to help you make a decision.

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au 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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site