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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

Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee Interest-free period
Bankwest Breeze Classic Mastercard
0% for 12 months, then 12.99%
0% for 12 months with 2% balance transfer fee, then 12.99%
$49
Up to 55 days on purchases
Save with 0% p.a. on purchases and balance transfers for 12 months (with a 2% BT fee).
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.
Cape Business Credit Card
0%
$0
Up to 30 days on purchases
Offers 0% foreign transaction fees, 0% purchase interest rate and a maximum credit limit of up to $500,000.
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
    gordonApril 22, 2013

    sorry I have just asked a question and lost the possible reply..(re ATM matters for my ASB Auckland account

      AvatarFinder
      JacobApril 23, 2013Finder

      HI Gordon. I’ve sent something to your email. Jacob.

    Default Gravatar
    GordonApril 22, 2013

    If I use my ASB New Zealand card for cash withdrawals in Australia. First of all is that OK and, if so, what will the cost be, if any, of a withdrawal ?

      AvatarFinder
      JacobApril 23, 2013Finder

      Hi Gordon. Thanks for your question. You should be able to use your New Zealand Card at Australian outlets / merchants where Visa, MasterCard or American Express are accepted. There may be a cost, usually a cash advance fee, cash advance interest rate, cross currency conversion fee, international ATM fee and local ATM operator fee ($2.00-$2.50) when you use your card to make a withdrawal from an ATM and a cross currency conversion fee and purchase rate of interest when you make a purchase. Please check with your credit card issuer and the credit contract you received when you got the card for a full list of international fees and charges. Jacob.

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