biggest-ATM

How big is the biggest ATM network in Australia?

The figures behind the five biggest ATM networks in Australia.

25 February 2016: The "Big Four" banks of Australia - National Australia Bank (NAB), Australia and New Zealand Banking Group (ANZ), Commonwealth Bank (CBA) and Westpac Banking Corporation - offer some of the biggest ATM networks in Australia. However, there are other banks that have combined to bring a larger ATM network to their customers.

You can find an ATM almost anywhere you want, even in extremely remote locations. But who has the most ATMs, and what services can you access on them?

Here are the largest ATM networks in Australia:

NetworkTotal number of ATMs in Australia
Commonwealth Bank and Bankwest4,000
National Australia Bank and rediATM3,400
Westpac’s network3,000
ANZ’s network2,600
Suncorp and Bendigo Bank2,000

Commonwealth Bank and Bankwest

The CBA and Bankwest have partnered so that people that bank with either institution can use the ATMs provided in the combined network. There are over 4,000 ATMs in the network that are fee-free to CBA and Bankwest customers.

Outside of Australia, there are over 900,000 ATMs that’ll accept CBA and Bankwest customers through MasterCard Cirrus and Visa Plus networks. When you’re overseas, look for the MasterCard or Visa Plus logos on ATMs.

You can do the following on the machines:

  • Transfer money to and from other linked bank accounts (including payments into your credit card).
  • Check the balance of your account.
  • Deposit cash and cheques.
  • Deposit coins.
  • Get a different PIN.

National Australia Bank and rediATM

If you’re a NAB customer, you have access to over 3,400 ATMs. You have access to both NAB and rediATM machines. NAB partnered with rediATM and has provided ATM access since the early 1980s.

There are no owner fees when you use an ATM in the NAB network. At any NAB or rediATM, you can:

  • Transfer funds between accounts.
  • Make NAB credit card payments.
  • Receive mini credit card or bank statements.
  • Check your account balance.
  • The ATM at a branch allows you to deposit money into your account.

If you're an overseas traveller, you can withdrawal local currency using your NAB Visa or MasterCard account.

Westpac’s network

Westpac’s ATM network is extensive with more than 3,000 machines and includes St. George, BankSA and Bank of Melbourne ATMs too. All the machines are free to use by customers of the banks mentioned.

The Global ATM Alliance allows Westpac customers to pay no withdrawal fee when using ATMs belonging to the Alliance. There are over 50,000 machines available for Westpac customers. Westpac ATMs also allow cardless cash withdrawals.

Westpac’s ATM network is the third largest in Australia.

ANZ’s network

In ANZ’s ATM network, there are over 2,600 machines that customers can access nationwide. ANZ has introduced an overall better way to conduct your transactions. The contactless technology allows you use your card at an ANZ ATM that displays the contactless symbol.

Here are the features of the contactless technology:

  • Start your transaction by “tapping” your card on the contactless symbol on the ATM.
  • The machine still needs you to put in your PIN.
  • There's a good level of security thanks to encryption software that protects all tap transactions.
  • The machines that have the tap and pay feature will have the contactless image just to the right of the PIN pad.

Suncorp and Bendigo Bank

Suncorp and Bendigo bank have teamed up to bring a network of 2,000 ATMs located across Australia. Through this shared network, you can access Suncorp and Bendigo ATMs.

If you’re travelling overseas, you have access to more than 840,000 ATMs.

ATM security tips
  • Be aware of your surroundings when using an ATM.
  • Don’t allow anyone to observe you entering your PIN. Cover the keypad with your hands whilst you enter your PIN.
  • Be aware of ATM card skimming. Criminals collect your details from the magnetic strip located on the underside of your card.
  • Pay attention to all of the touch and action points on the ATM so you can see if the machine has been tampered with.
  • When shopping and paying via EFTPOS, keep an eye on your card at all times.

Shirley Liu

Shirley is finder.com.au's publisher for banking and investments. She is currently studying 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.

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