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. Avoid fees by only using ATMs within your bank’s network, but don’t make the mistake of assuming that the biggest network belongs to the bank with the most ATMs.

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.

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 January 18th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Commonwealth Bank Smart Access
Get unlimited CBA electronic transactions using internet banking, phone banking, ATM and EFTPOS.
Mastercard $0 $2,000 Unlimited free CBA ATM transactions. No monthly service fee if you deposit a minimum of $2,000 per month otherwise $4 monthly fee applies. More
Bankwest Easy Transaction Account
Pay no ATM fees at over 10,000 ATMs in Australia (conditions apply).
Mastercard $0 $2,000 Minimum deposit of $2,000 per month needed to waive the monthly account fee otherwise a $6 monthly fee applies. No ATM fee applicable at Bankwest, CBA, NAB, ANZ, Westpac, St.George, BoM and BankSA ATMs in Australia. Open More

National Australia Bank and rediATM

Of the big banks on this list, 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 January 18th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
NAB Classic Banking
Tap and Pay with your Android Phone using NAB Pay.
No minimum deposit required.
Visa $0 $0 No monthly account fees, ever. Free use at over 3,400 NAB and RediATMs Australia wide and $0 overdrawn fees. Open More

Westpac’s network

Westpac customers have the third most extensive ATM network in Australia, and can also use St. George, BankSA and Bank of Melbourne branded ATMs for free, including 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 January 18th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Westpac Choice
$0 ATM withdrawal fee at 50,000+ ATMs globally.
Via Westpac's Global ATM Alliance. Get Cash without your debit card (conditions apply).
Mastercard $0 $2,000 No ATM fees when using St.George, Westpac, BankSA or Bank of Melbourne ATMs in Australia. Deposit at least $2,000 per month and enjoy no monthly service fee. Open 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, as well as cardless access with ANZ mobile pay.

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 January 18th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ANZ Access Advantage
Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
Visa $0 $2,000 No monthly account fee when you deposit at least $2,000 per month. Other fee waivers available based on your personal situation. Open 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. 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 January 18th, 2017
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
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 Monthly fee waived if you apply online. All Suncorp bank transactions are free. More

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 is's publisher for banking and investments. She has completed 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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