biggest-ATM

Which bank has the biggest ATM network in Australia?

See which bank has the most ATMs to use.

When you choose a bank, you’re also choosing an ATM network. One way to avoid fees is by only using ATMs within your bank’s network. To expand their service range, many banks are combining ATM networks to give you more options. Instead of looking at how many ATMs an individual bank has, try comparing their networks as a whole.

Here are the largest ATM networks in Australia:

NetworkNumber of ATMs in Australia
Commonwealth Bank and BankwestOver 4,000
National Australia Bank and rediATMOver 3,400
Westpac, St. George, BankSA and Bank of MelbourneOver 3,000
ANZOver 2,600
Suncorp and Bendigo BankOver 2,000

Commonwealth Bank and Bankwest

Commonwealth and Bankwest branded ATMs make up the largest network in the country, and customers of either bank can freely use both. It is also free for non-customers to use these ATMs to withdraw money, except for the Bankwest ATMs located within 7/11 stores.

Meanwhile, outside of Australia there are over 900,000 ATMs that’ll accept CBA and Bankwest customers with Mastercard Cirrus and Visa Plus networks.

At Commonwealth-Bankwest ATMs you can:

  • 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.
Rates last updated August 22nd, 2018
$
Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details Monthly Account Fee
Commonwealth Bank Smart Access
Get unlimited CBA electronic transactions using internet banking, phone banking, ATM and EFTPOS.
Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $4 fee applies. Unlimited free withdrawals at CBA ATMs. More
Bankwest Easy Transaction Account
No ATM fees when using a major bank ATM Australia-wide $0 monthly account fee. Enjoy no minimum ongoing balance or transaction requirements. Upgrade to a Platinum Debit Mastercard when you deposit $4000 per month to enjoy exclusive benefits.
Mastercard $0 $0 More

National Australia Bank and rediATM

Anyone in Australia can now use a NAB branded ATM to withdraw money for free. However, only NAB customers can use rediATMs for free. In total, the NAB ATM network is now the second largest in Australia, with over 3,400 ATMs, including more than 3,000 rediATM machines. NAB customers can use ATMs to:

  • 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 overseas, you can make local currency withdrawals at more than 100,000 Visa or Mastercard ATMs around the world.

Rates last updated August 22nd, 2018
$
Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details Monthly Account Fee
NAB Classic Banking
Enjoy convenient, unlimited access to your money. $0 monthly account fee. Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone. Temporarily block your card at the touch of a button if you lose it.
Visa $0 $0 $0 account keeping fees with no deposit conditions. Unlimited free withdrawals at NAB and rediATMs. Go to site More

Westpac’s network

Westpac offers the third most extensive ATM network in Australia. Both customers and non-customers can also use St. George, BankSA and Bank of Melbourne branded ATMs for free to withdraw money. Customers can also use features like cardless cash where available.

Internationally,Westpac is part of the Global ATM Alliance, letting customers pay no withdrawal fee when using more than 50,000 ATMs overseas, although ATM availability will vary between countries.

Rates last updated August 22nd, 2018
$
Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details Monthly Account Fee
Westpac Choice
Complimentary Student or Youth Discount Card $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. Full-time students and those aged 31 and younger save thousands on travel and experiences through the complimentary Student Discount Card
Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at St.George, Westpac, Bank of Melbourne and BankSA ATMs. More

ANZ’s network

The fourth largest ATM network in Australia is ANZ’s alone, with more than 2,600 ANZ branded ATMs across the nation. Because they’re all the same brand you won’t find a lot of differences between machines, and can access features like ATM cash and cheque deposits at almost every machine in the network. Both customers and non-customers of ANZ can use these ATMs for free to withdraw cash.

Internationally, ANZ offers prepaid travel cards which you can preload with up to 10 different currencies. These can then be used at Visa-enabled ATMs, switching between currencies automatically. ANZ is also rolling out contactless ATMs throughout their network, and you can spot these machines by looking for the contactless symbol on the side of ATMs.

Rates last updated August 22nd, 2018
$
Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details Monthly Account Fee
ANZ Access Advantage
Pay with Apple Pay, Google Pay & Samsung Pay. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 25 or if you meet other eligibility criteria.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at ANZ ATMs. Go to site More

Suncorp and Bendigo Bank

Suncorp and Bendigo bank have teamed up to bring you a network of over 2,000 ATMs around Australia, freely usable by customers of either bank. However, non-customers need to pay a fee to use these ATMs. When travelling, you get international access to more than 840,000 Visa and Mastercard ATMs, but accessibility and features may depend on what account you have and which bank you’re with..

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.
Rates last updated August 22nd, 2018
$
Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details Monthly Account Fee
Suncorp Everyday Basics Account
An everyday bank account with a linked Visa debit card.
Visa $0 $0 No account-keeping fees and all Suncorp bank transactions are free. More
Suncorp Everyday Options Account
Access your money in more places and get up to 9 sub accounts.
Visa $0 $0 Earn 1.40% interest on funds in up to 9 linked sub-accounts. Monthly fee waived if you apply online. All Suncorp bank transactions are free. More

You may also be interested in

Compare bank accounts

If you’re thinking of switching banks it’s a good idea to consider the size of their respective ATM networks, both in Australia and overseas. Naturally, you’ll also want to consider the features of their accounts. If you haven’t already done so, consider going over our ultimate guide to comparing bank accounts to make the decision a bit easier.

Shirley Liu

Shirley Liu is a program manager at finder, formerly the publisher for Banking and Investments. She is passionate about helping people make an informed decision, save money and find the best deal for their needs.

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2 Responses

  1. Default Gravatar
    LeonieMay 16, 2018

    I need to get my money out of my account and I have no cards to tap and go or to register for online wallets can I get a cardless cash access code that’s linked to my account

    • finder Customer Care
      NikkiMay 16, 2018Staff

      Hi Leonie,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      It is possible to do a cardless cash withdrawal and the access code will be given by your bank. You can do an over the counter withdrawal as well.

      For more information, you may view this page.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Cheers,
      Nikki

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