Westpac Global ATM Alliance guide
Use a Westpac ATM Alliance partner and save on travel money costs when you go overseas.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .
The excess cost of accessing your money overseas irks every traveller. ATM fees are a particular sore point. Local and international ATM fees, as well as currency conversion fees, can set you back $10 or more for every withdrawal. For the most part, these fees are unavoidable, but there are a few ways you can make an expensive transaction cheaper. There are cards that waive currency conversion fees, but these cards are still going to charge you for using an ATM.
Westpac helps lighten the financial load of travelling overseas through its international ATM alliance. Westpac is partnered with major international banks and waives the fee for overseas ATM withdrawals at 50,000 partner ATMs.
If you have a card issued by a member of the Westpac Group – that’s a credit, debit, travel or EFTPOS card issued by Westpac, St.George, Bank of Melbourne or BankSA – you won’t pay any international ATM fees when you make a withdrawal from a Westpac international ATM alliance partner ATM.
The Westpac Global ATM Alliance only saves you money on the international ATM fee. The currency conversion fee of 2.5%-3% still applies to the transaction as well as the local ATM operator fee, which you will be advised of at the time of the transaction.
Westpac Global ATM Alliance partner banks
The following table shows the banks in different countries where Westpac customers can avoid the international ATM fee. Note that Westpac-issued American Express cards are not included in the Westpac Global ATM Alliance.
|UK, Gibraltar, Africa (Botswana, Ghana, Kenya, Mauritius, Seychelles, Tanzania, Uganda, Zambia, Zimbabwe).||Barclays Bank|
|United States of America||Bank of America|
|China||Bank of Nanjing|
|France, Italy.||BNP Paribas|
|Germany, Spain, Poland.||Deutsche Bank|
|Singapore, Hong Kong, Taiwan.||DBS|
|Canada, Chile, Guyana, México, Perú, Anguilla, Antigua & Barbuda, Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica Grenada, Jamaica, St.Maarten, St. Kitts-Nevis, St. Vincent & The Grenadines, Trinidad & Tobago, Turks & Caicos and the US Virgin Islands.||Scotiabank|
|New Zealand||Westpac NZ|
|Fiji, PNG.||Westpac Pacific Banking|
Using your Westpac card overseas
How much can I withdraw at a time?
You can withdraw up to $1,000 per day from your Westpac debit card . You can raise this limit to $2,000 per day by contacting the Westpac customer service team. Credit card cash advance limits may be different.
Do I still pay the ATM fee if I’m making a withdrawal using my Westpac Global Currency card?
If you’re a Westpac Global Currency travel card holder, you can avoid both the ATM fee and the currency conversion fee when you make a withdrawal in a foreign currency (already preloaded onto the card) and use a Westpac Global ATM Alliance partner.
How do I find a Westpac ATM Alliance ATM when I’m overseas?
The easiest way to find your closest partner ATM is to do a Google search. Find the partner bank in the country you’re in using the table on this page and search for ATMs using Google Maps. You can also download the Westpac Mobile Banking Application, which includes an ATM search function, or use the Global ATM Finder tool available on the Westpac website.
Is there anywhere I can’t use my Westpac card?
You can’t use your card in nations with economic sanctions, including: Iran, North Korea, Myanmar, Syria, Sudan and Cuba.
What if I have a problem using my Westpac Group card when I’m on holidays?
If you have a problem with your card, such as if it gets eaten by the ATM machine, contact Westpac overseas customer service on: +61 2 9293 9270. You can place a reverse charge call using Telstra’s reverse charge service if you’d like. Westpac can issue an emergency replacement card as well as give you access to the money in your account while you wait for your card to arrive. Make sure you tell Westpac about your travel plans before you leave Australia as well so that your card is not blocked when you try to use it overseas.
How much can I save using a Westpac ATM Alliance bank to withdraw money?
The standard charges for using an ATM overseas are as follows:
|Local ATM operator fee||Approximately $2 to $4|
|International ATM fee||Approximately $5|
|Currency conversion fee||3% of transaction value|
|Cash advance fee (credit card)||2% of transaction value|
|Cash advance interest (credit card)||Approximately 21% p.a.|
By making a withdrawal from a bank that is part of Westpac’s ATM Alliance, you can avoid paying the international ATM fee.
More guides on Finder
Illawarra Credit Union Low Rate credit card
The Illawarra Credit Union Low Rate credit card gives you simple features, mobile payments and a $0 annual fee in the first year.
P&N Bank & Transaction Account
An everyday transaction account with no account keeping fees and access to Apple Pay, Google Pay and Samsung Pay.
Nova Alliance Bank Visa Credit Card
This Visa credit card offers a low interest rate, a $45 annual fee and mobile payments with Apple Pay, Google Pay and Samsung Pay.
Skye Mastercard – Exclusive Offer
Looking for an alternative to buy now, pay later? Compare the instalment plans, 110 interest-free days and balance transfer on this exclusive Skye Mastercard offer.
Revolut launches in Australia: How does it compare to rival neobanks and fintechs?
As Revolut announces it's open for business in Australia, we look at how it compares to the likes of Up bank, TransferWise and 86 400.
Geelong Bank Amigo Credit Card
Get an 11.99% p.a. interest rate on purchases, cash advances and balance transfers with this Amigo Visa from Geelong Bank.
Westpac launches new 3.00% p.a. savings rate, but what’s the catch?
Here are the eligibility criteria you need to meet to earn 3.00% p.a. with a Westpac Life savings account and how it compares to others in the market.
Review: Crypto.com cryptocurrency app and exchange
Learn more about the Crypto.com platform in our complete review.
Westpac Life account (for 18-29s)
Earn a market-leading bonus interest rate if you're under 30, and when you meet the account conditions. Learn more about the Westpac Life account and apply online.
How do we pick the top money transfer services?
Our top picks are our selection of the best money transfer services, based on our extensive research and market experience. Here's how we choose them.
Ask an Expert