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
Institution
ATM partners
Withdrawal fee for other Australian bank cards
atmx
$0
BankSA
St.George
Westpac
Westpac Global ATM Alliance
atmx
Precinct ATMs
$0
atmx
$2
Bank of Melbourne
St.George
Westpac
Westpac Global ATM Alliance
atmx
Precinct ATMs
$0
CommBank
$0
BankSA
St.George*
Westpac
Westpac Global ATM Alliance
$0
Suncorp
Cash Plus
$2.50
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
Bankwest
$0
N/A
$2.50
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)
Westpac
St.George
Bank of Melbourne
BankSA
$2.50
N/A
$0
ANZ
CommBank
Westpac
$0
Bank of Melbourne
BankSA
Westpac
Westpac Global ATM Alliance
atmx
Precinct ATMs
$0
atmx
rediATM
CommBank
ANZ
NAB
Westpac
The fee may vary from $1.50 to $3.50.
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.
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
Brand
ATM partners
Cost 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
rediATM
rediATM 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/A
From $2
CashConnect (Banktech)
N/A
Varies
Customers ATM (DirectCash)
N/A
Varies
Indue Money
N/A
N/A
Kwik Cash
N/A
From $2
Next Payments
N/A
From $2.50
Precinct
BankSA
Bank of Melbourne
St.George
Westpac
From $2.80
Finder survey: Do Australians regularly have cash in their wallet?
Response
Yes
55.98%
No
44.02%
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.
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.
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.
This is another name for an ATM fee. A “direct charge fee” is what you’ll pay when you use a fee-charging ATM outside your financial institution’s ATM network.
The ATM you’re using will display the ATM fees before you proceed with your transaction. At this point, you have the option to continue or simply take your card and leave.
Before it was acquired by Armaguard in 2019, rediATM operated one of the largest ATM networks in Australia and had the following partners:
Advantedge Financial Services
AFG Securities Pty Ltd
AWA Alliance Bank (AWA Mutual Limited)
Bank of Heritage Isle
Bank of Queensland
Bank of Sydney Ltd
Border Bank (Police Bank Ltd)
Central West Credit Union Limited
emerchants (emerchants Payment Solutions Limited)
Firefighters Credit Co-Operative Limited
Goldfields Money Limited
GMCU (Goulburn Murray Credit Union Co-Operative Limited)
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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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.
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.
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?
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.
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.
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?
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.
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
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 .
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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
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.
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
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
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?
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
I understand being charged a fee if withdrawing money, but seems unreasonable to be charged $2.50 for a balance check.
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
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?
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
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
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