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 BankOver 1,000
Westpac, St. George, BankSA and Bank of MelbourneOver 3,000
ANZOver 2,600
Suncorp and Bendigo BankOver 2,000

Bank Account Offer

Suncorp Everyday Options Account

Bank Account Offer

Monthly account keeping fee waived for life. $0 account keeping fee offer applies to all new accounts opened from 3 December 2018. Save for your individual goals by linking to up to 9 interest-earning sub accounts. Make contactless payments using Google Pay and Apple Pay

  • Account keeping fee: $0.00
  • Linked debit card: Visa
  • ATM withdrawal fee: $0.00
  • Overseas EFTPOS fee: 3%
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Compare products from banks with large ATM networks in Australia

Rates last updated December 13th, 2019
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
Suncorp Everyday Options Account
Monthly account keeping fee waived for life. $0 account keeping fee offer applies to all new accounts opened from 3 December 2018. Save for your individual goals by linking to up to 9 interest-earning sub accounts. Make contactless payments using Google Pay and Apple Pay
NAB Classic Banking
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.
Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
CUA Everyday Snap Account
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). Refund of overdrawn fees.
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Suncorp Everyday Basics Account
A simple everyday account with low fees.
$0 monthly account fee.
Enjoy no monthly account keeping fees as well as the option to pay using Google and Apple Pay. Free ATM withdrawals at 3000+ Suncorp and rediATMs.
CUA Everyday Account
Enjoy flexible payment options and access to a wide network of ATMs.
$0 monthly account fee.
Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia. Deposit $1,000+ into this each month and receive bonus interest on a linked CUA eSaver Reward Account.

Compare up to 4 providers

Rates last updated December 13th, 2019
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
UBank USaver
2019 Winner
UBank USaver
$0 / $0
Ongoing, variable 2.10% p.a. when you link your USaver account to a UBank Ultra transaction account and transfer at least $200 per month into either account. The linked transaction account has no monthly fees and no international fees. Bonus interest available on balances up to $200,000.
Bankwest Hero Saver
$0 / $0
Ongoing, variable 1.85% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
AMP Saver Account
$0 / $0
Introductory rate of 2.36% p.a. for 4 months, reverting to a rate of 1.40% p.a. The bonus rate offer is for new AMP Saver customers only, and applies to the first $250,000 deposited.

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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.

National Australia Bank

Anyone in Australia can now use a NAB branded ATM to withdraw money for free. 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.

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.

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.

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.

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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.

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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

    • Avatarfinder 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.


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