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

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NAB Classic Banking

Bank Account Offer

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.

  • 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 20th, 2018
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
NAB Classic Banking
Visa
$0
$0
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.
CUA Everyday Account
Visa
$0
$0
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.
NAB Classic Banking with Platinum Visa Debit Card
Visa
$0
$0
$10 cashback on contactless purchases, $0 foreign transaction fee and complimentary travel insurance.
$10 monthly account fee.
Receive $10 cashback when you spend $1000 on contactless purchases. Complimentary travel insurance, transport accident insurance, purchase protection insurance and more when you meet eligibility criteria.
AMP Bett3r Account
Visa
$0
$2,000
Earn 1.50% interest. Manage your budget effectively with a bundle of accounts.
$5 waivable monthly account fee.
Earn 1.50% interest on your balance. Monthly account fee waived if you deposit at least $2,000 a month from a source that is not another AMP bank account. Reach your savings goals with a bundle of linked Pay, Spend and Save accounts.

Compare up to 4 providers

Rates last updated December 20th, 2018
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 12 Mths p.a. 24 Mths p.a. 36 Mths p.a. Min Deposit Interest Earned
AMP Term Deposit $5000+
2.30%
2.20%
2.55%
2.55%
2.55%
2.65%
$5,000
AMP Term Deposit $25,000+
2.50%
2.40%
2.75%
2.75%
2.75%
2.85%
$25,000
AMP Term Deposit $100,000+
2.50%
2.40%
2.75%
2.75%
2.75%
2.85%
$100,000
RACQ Bank Term Deposit
2.35%
2.35%
2.60%
2.70%
2.80%
3.00%
$1,000

Compare up to 4 providers

Rates last updated December 20th, 2018
$
$
months
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
AMP Saver Account
2.55%
2.10%
0.45%
$0
$0 / $0
Introductory rate of 2.55% p.a. for 4 months, reverting to a rate of 2.10% p.a. Available on balances below $5,000,000.
Bankwest Hero Saver
2.60%
0.01%
2.59%
$0
$0 / $0
Ongoing, variable 2.60% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.

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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.

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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Important Information*
ING Savings Maximiser

Maximum Variable Rate

2.80

Standard Variable Rate

1.00
AMP Saver Account

Maximum Variable Rate

2.55

Standard Variable Rate

2.10
Bankwest Hero Saver

Maximum Variable Rate

2.60

Standard Variable Rate

0.01
HSBC Serious Saver

Maximum Variable Rate

3.10

Standard Variable Rate

1.40

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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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