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Australian Bank ATM Fees and Charges

What you’ll pay when using your card to withdraw money from an ATM – and how to avoid these fees.

If you're using an ATM that belongs to your bank or one of its partners, you won't be charged an ATM fee to withdraw cash. You can also avoid ATM withdrawal fees at CommBank, ANZ, NAB or Westpac ATMs in Australia when you're using an Australian debit card.

Otherwise, you could be charged ATM fees. So, we've put together a list of fees for the majority of Australian institutions.

Australian bank ATM fees and charges, partnerships and alliances

InstitutionATM partnersWithdrawal fee for other Australian bank cards
ANZ logo
  • atmx
$0
BOM logo
  • BankSA
  • St.George
  • Westpac
  • Westpac Global ATM Alliance
  • atmx
  • Precinct ATMs
$0
BOQ logo
  • atmx
$2
banksa-transparent-logo
  • Bank of Melbourne
  • St.George
  • Westpac
  • Westpac Global ATM Alliance
  • atmx
  • Precinct ATMs
$0
bankwest-sml-logo
  • CommBank
$0
  • BankSA
  • St.George*
  • Westpac
  • Westpac Global ATM Alliance
$0
bendigo-logo
  • Suncorp
  • Cash Plus
$2.50
citi-logo-212x98
  • Citi (International)
  • Bank of Melbourne
  • BankSA
  • St.George
  • Westpac
$2 applies to Online Cash Manager and $10 to Cash Management accounts that exceed the specified free withdrawal limits
CBA logo
  • Bankwest
$0
heritage-bank-logo2N/A$2.50
hsbc provider logo
  • Bank of Melbourne
  • BankSA
  • St.George
  • Westpac
N/A (you will be notified of the cost at specific ATMs before you proceed with a transaction)
IMB logo
  • Westpac
  • St.George
  • Bank of Melbourne
  • BankSA
$2.50
Macquarie logoN/A$0
NAB logo
  • ANZ
  • CommBank
  • Westpac
$0

st.george logo

  • Bank of Melbourne
  • BankSA
  • Westpac
  • Westpac Global ATM Alliance
  • atmx
  • Precinct ATMs
$0
suncorp-logo-100px
  • atmx
  • rediATM
  • CommBank
  • ANZ
  • NAB
  • Westpac
The fee may vary from $1.50 to $3.50.
westpac logo
  • Bank of Melbourne
  • BankSA
  • St.George
  • Westpac Global ATM Alliance
  • atmx
  • Precinct ATMs
$0

*Note: St.George ATMs operated by a third party are excluded (for example: St.George ATMs located inside BP service stations) unless they are also in partnership with Westpac.

You can use this table to see whether or not your bank has any ATM partners that offer you ATM withdrawals without a fee. To help you compare the costs, we’ve included into 2 key categories:

  • ATM partners. These financial institutions are partnered and customers can use any of the associated ATMs free of charge.
  • Withdrawal fees. This charge may be applied when you use a non-partnered ATM in Australia, or for accounts that have a limit on free transactions.

The biggest ATM networks in Australia

Independently owned ATM brands and machines

Independent ATM network fees can vary between machines, even if they have the same branding. The fees for withdrawals and balance checks start from $2 but could be as high as $4 or $5.

This is because these ATMs can be owned by organisations, individuals or syndicates that have purchased a lease off an ATM operator. For example, rediATM was previously owned by Cuscal before it was acquired by Armaguard, which owns and operates the atmx network. And if you use an ATM from an independently owned operator such as Cash Card, the fees and charges are set on a contract-by-contract basis.

Independent ATM brand fees

BrandATM partnersCost of ATM withdrawals (for non-ATM partner cards)
atmx by Armaguard
  • BNK Bank
  • BankSA
  • Bank of Melbourne
  • Bank of Queensland
  • Broken Hill Community Credit Union
  • Central Murray Credit Union
  • Central West Credit Union
  • GMCU
  • Goldfields Money Limited
  • Horizon Bank
  • ME Bank
  • Orange Credit Union Limited
  • Police Bank
  • Police Credit Union Limited
  • St.George
  • Suncorp (Suncorp-Metway Ltd)
  • Virgin Money
  • Warwick Credit Union Ltd
  • WAW Credit Union Co-Operative Limited
  • Westpac
From $2.50
rediATMrediATM was acquired by Armaguard in 2019 and is now part of the atmx network. If you see a rediATM branded machine, it will have the same partners as atmx.From $2.50
Cash Card (First Data)N/AFrom $2
CashConnect (Banktech)N/AVaries
Customers ATM (DirectCash)N/AVaries
Indue MoneyN/AN/A
Kwik CashN/AFrom $2
Next PaymentsN/AFrom $2.50
Precinct
  • BankSA
  • Bank of Melbourne
  • St.George
  • Westpac
From $2.80

Finder survey: Do Australians regularly have cash in their wallet?

Response
Yes55.98%
No44.02%
Source: Finder survey by Pure Profile of 1004 Australians, December 2023

How to avoid paying ATM fees

  • Use a partner ATM or any of the big four banks' ATMs

Use an ATM owned by your financial institution or a partner ATM. Check your bank’s website or mobile app for an ATM locator that can advise you of nearby machines you can use for free.

The four major Australian banks – and a handful of others – don't charge ATM fees for out-of-network Australian cards. As these ATMs are typically the easiest ones to find, you shouldn't have an issue making a fee-free cash withdrawal with your debit card.

  • Use a global alliance ATM if you’re overseas

There is a Global ATM Alliance that gives people who bank with partnered financial institutions a way to use ATMs for free around the world. In Australia, Westpac is part of this alliance, which means Westpac Group cardholders (Bank of Melbourne, BankSA and St.George) can make withdrawals for free at a huge number of international ATMs.

For example, if you were using a Westpac Group card in France, you wouldn't be charged fees at BNP Paribas ATMs. Or, if you were in the UK, you could avoid international ATM withdrawal fees at Barclays Bank ATMs.

Plus, most ATMs in Europe don’t charge a local ATM operator fee, so the main charges you’ll incur will be from your own bank if you don’t use a partner ATM.

  • Use a fee-free debit account

If you want to avoid ATM withdrawal fees, a fee-free debit card is another option. The ING Orange Everyday Account, the ME Bank Everyday Transaction Account and the Citibank Plus Everyday Account all offer fee-free withdrawals to cardholders.

However, some of these debit cards have terms and conditions you need to meet to be eligible for fee-free withdrawals, so make sure you read the fine print or contact the bank to find out if you qualify.

Which bank has the biggest ATM network in Australia?

What fees will I be charged for using my credit card at an ATM?

When you use a credit card to withdraw cash from an ATM, you'll be charged a cash advance fee worth around 2-3% of the transaction amount, or a minimum dollar value of around $2 to $5. You'll also attract the cash advance interest rate from the date of the transaction.

Even if your credit card doesn't charge overseas ATM withdrawal fees, you'll still attract the relevant cash advance charges. Given the high fees and interest rates, you may want to consider using your debit card to make ATM withdrawals instead.

Compare 0% Purchase Credit Card Offers

1 - 3 of 23
Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee Interest-free period
Coles No Annual Fee Mastercard - Bonus Points Offer
0% for 6 months, then 19.99%
$0
Up to 55 days on purchases
Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
Credit Union SA Education Community Credit Card
0% for 6 months, then 11.49%
0% for 6 months, then 11.49%
$0
Up to 55 days on purchases
Save with an ongoing $0 annual fee and 0% p.a. interest on purchases, balance transfers and cash advances.
NAB StraightUp Card
0%
$0
Save with 0% p.a. interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
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Bank accounts that let you use ATMs for free

Frequently asked questions

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16 Responses

    Default Gravatar
    KathleenMarch 8, 2023

    How come on your website states 0 fees for using another australian card (St George) at a commonwealth bank ATM yet just got charged $2.80

      AvatarFinder
      AmyMarch 9, 2023Finder

      Hi Kathleen,

      CommBank removed ATM fees for customers of other Australian banks in 2017 (for reference, here is the announcement from CommBank). However, around 300 offsite CommBank ATMs were acquired by a third-party provider (Armaguard) in 2020. Since then, Armaguard has been rebranding the machines as atmx. As this guide states, fees do apply at atmx by Armaguard machines. So it might have been one of the rebranded machines. Your account transaction history may provide details of the operator.

      I’ve also checked the St.George website and can see that the current transaction accounts available to customers do not charge ATM fees in Australia. The Complete Freedom account even says “$0 cash withdrawals on major bank ATMs in Australia (Certain ATM providers may still charge a fee)”.

      If you want to follow up on the fee, you can contact St.George on 13 33 30, CommBank on 13 22 21 or Armaguard on 1300 785 258. Or, contact the Australian Financial Complaints Authority on 1800 931 678. Hope this helps.

    Default Gravatar
    TomSeptember 19, 2018

    If I had a bank of Melbourne card and I needed to deposit money but the only ATM near me with cash deposit is anz would I get a charge?
    Cheers

      AvatarFinder
      CharisseSeptember 20, 2018Finder

      Hi Tom,

      Thanks for reaching out to finder.

      You can only make cash and cheque deposits at selected Bank of Melbourne’s partner banks ATMs such as St.George and BankSA. It’s best to contact Bank of Melbourne to verify and confirm if it’s possible to make a deposit through ANZ ATM to avoid any mistakes.

      I hope this helps.

      Cheer,
      Charisse

    Default Gravatar
    SallyMay 1, 2018

    My friend is on a pension. Her son moved for work and left his cat with her but said he’d pay for food and would transfer money. She went several times to a rediATM (the only one near her) to see if funds arrived. She was charged $2.50 each time for balance check, not even a withdrawal. Are they allowed to do this?

      AvatarFinder
      JoshuaMay 3, 2018Finder

      Hi Sally,

      Thanks for getting in touch with finder.

      I understand that this situation could be frustrating. There are different ways on how ATMs earn and one of them is charging withdrawal fees. If you use an ATM which isn’t a partner of your card, then it is most likely that you will be charged a fee.

      It is important to take note of the name of your card and the ATMs that don’t charge any fee. You can do that by looking at our table on this page. So, for example, if your card is NAB or Macquarie cards and you use RediATM, you won’t have to pay any withdrawal or inquiry fee.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

      Default Gravatar
      SallyMay 3, 2018

      I understand being charged a fee if withdrawing money, but seems unreasonable to be charged $2.50 for a balance check.

      AvatarFinder
      JeniMay 4, 2018Finder

      Hi Sally,

      Thank you for getting in touch with finder.

      I can understand your frustration. I suggest that every time you check your or your friend’s balance in a cash machine, make sure that they are ATM partners. When we say ATM partners, these financial institutions are partnered together so customers can use any of their ATMs free of charge. Customers are charged $2.50 even doing a balance enquiry and this fee is called “disloyalty” fee for using rival ATMs.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      I also advise you to contact your bank to verify this info for your peace of mind.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

    Default Gravatar
    LindaMay 27, 2016

    My son was charged an ATM operator fee of $8.00 for a withdrawal which I think is extremely excessive. Is this a rip-off or are the non-bank ATMs that charge this much?

      AvatarFinder
      MayMay 31, 2016Finder

      Hi Linda, thanks for your question!

      Usually, ATM operators charge fees to non-partner banks and unfortunately these fees are usually high especially when you use the independent ones. So as much as possible, you have to look for an ATM where you can withdraw funds from your own bank’s ATM or ATM alliances.

      Cheers,
      May

    Default Gravatar
    DeborahFebruary 21, 2016

    hi i am wondering if i am able to use commonwealth atm to withdraw cash from my bendigo account and will it cost me also wondering if bendigo bank Atm’s in tasmania have the cardless cash option as i have just opened an account with bendigo bank and wont have my card for up to 10 days

      AvatarFinder
      JonathanFebruary 22, 2016Finder

      Hi Deborah, thanks for your inquiry!

      Unfortunately Bendigo Bank does not currently have a cardless cash option. Without a card withdrawing from a Commonwealth Bank ATM would not be supported. The cost for withdrawal from a non Bendigo Bank/ Suncorp ATM from a Commonwealth Bank ATM is $2.00 .

      Cheers,

      Jonathan

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