Best debit cards

1 - Best no fee debit card

Ubank Spend Account

More info

$0
Monthly fee

$0
ATM withdrawal fees

Visa
Debit Card

• Info
• Pros & cons

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

2 - Best debit card for travelling

HSBC Everyday Global Account

Go to site

$0
Monthly fee

$0
ATM withdrawal fees

Visa
Debit Card

• Info
• Pros & cons

The HSBC Everyday Global Account is one of the best bank accounts for travelling as 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).

• 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

3 - Best debit card for budgeting

Suncorp Everyday Options Account

Go to site

$0
Monthly fee

$0
ATM withdrawal fees

Visa
Debit Card

• Info
• Pros & cons

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 debit card overall for 2023

Macquarie Transaction Account

More info

$0
Monthly fee

$0
ATM withdrawal fees

Mastercard
Debit Card

• Info
• Pros & cons

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

Expert best debit card picks selected by Alison Banney – money editorial manager

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Name	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
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 Compare	Earn 2% cashback on tap and pay purchases.
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 Compare
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 Compare
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 Compare
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 Compare
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 Compare
Great Southern Bank Everyday Edge Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Go to siteMore Info Compare
Bendigo Bank Everyday Account Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay	Monthly fee $6	Government Guarantee	Own network ATM fee $0	Card type Mastercard	Go to siteMore Info Compare

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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 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.

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.

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.

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.

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.

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

Frequently asked questions

• What is a debit card?

  A debit card comes attached to an everyday bank account and allows you to access your money in the account. Unlike a credit card, a debit card only allows you to spend the money that you've got in your account - no more. You can use your debit card to withdraw cash at ATMs, make purchases in stores, shop online and overseas.

• What's the best debit card for students?

  If you're a student you'll probably want a debit card with as few fees and charges as possible. Luckily, some banks will waive the monthly account keeping fee for full time students or customers under a certain age, such as 25. Just keep in mind that once you reach the age limit, your account will remain open but you'll start to be charged fees (if the account does charge a monthly account fee).

  Something else to consider if you're a student is the minimum monthly deposit required. Many bank accounts won't have a minimum monthly deposit condition at all, but some do have this in order to avoid the monthly fee. If you're considering a debit card that does have a monthly deposit condition, make sure it's something you can realistically meet each month otherwise you risk being stung with fees.

• What fees do debit cards charge?

  Debit cards, and the attached bank account, have a range of fees and charges for different things. The most common fees are monthly account keeping fees (although most banks no longer charge these), ATM withdrawal fees, international transaction fees and fees for assisted transactions inside a bank branch.

• What's the difference between a Visa and Mastercard debit card?

  There is very little difference between a Visa and Mastercard debit card. They're just the brand names, but the debit cards work exactly the same way.

• Can I have multiple debit cards?

  Yes, you can have multiple debit cards. If you have a few different bank accounts you'll have a different debit card for each one. Some banks allow you to have multiple debit cards with the one bank account, too, which could come in handy to help you manage your different spending. If you have a joint bank account with someone else you'll both receive your own debit card each.

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