ATM Direct Charging Fees

After 3 March 2009 the Reserve Bank of Australia introduced ATM direct charging in Australia.

This allows ATM operators to charge their users a fee for completing a transaction at the ATM. The fee is displayed and charged by the ATM owner at the time of use, and will appear as a separate item on your account statement.

Ozbargain Thread

After October 2017 the four major banks (CBA, NAB, ANZ and WBC) announced that they would no longer charge the direct ATM fee for other Australian cards. See:

* Big 4 Drop ATM fees

* Ozbargain Thread regarding Commonwealth Bank

* Ozbargain Thread regarding Westpac, NAB and ANZ

This means that if you want to use an ATM not from a major bank you may still be charged foreign ATM fees - unless your banking product rebates the fee (see, for example, ING Direct and Macquarie).

Fee Free Foreign# ATMs

Your Bank You can use these ATMs in Australia fee free
All Australian Issued ATM Cards ANZ, Commonwealth Bank, NAB, Westpac
Arab Bank Australia (3) rediATM and co-branded rediATM/NAB machines.
Bankwest Commonwealth; Commonwealth, Westpac, NAB & ANZ with Zero account
Citibank Westpac, St. George, BankSA & Bank of Melbourne (except at BP service stations)
Commonwealth Bankwest
Heritage Bank Westpac, St.George, BankSA, Bank of Melbourne
HSBC* Westpac, St George, BankSA and Bank of Melbourne (except at BP service stations)
ING Direct (1) Any
Macquarie Personal Transaction Any
Member's Equity Bank (2) Westpac, St George, BankSA and Bank of Melbourne
Savings & Loan* (3) rediATM and co-branded rediATM/NAB machines.
Suncorp Bendigo Bank
Westpac BankSA, St. George

* Note: Particular account types may have a limited number of fee-free foreign ATM transactions per month, after which any further transactions will attract a fee. HSBC accounts, for example, may offer unlimited transactions at affiliated ATMs, or have specific limits on transactions.

(1) ING Direct has no own brand ATMs. They will instantly rebate the transaction fee for any ATM withdrawals within Australia, provided you deposited $1000+ per month into your Orange Everyday from an external account and made at least 5 card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). ING will also rebate international ATM fees if you meet the above criteria.

(2) EveryDay Transaction Account has 15 Free ATM transactions per month. Subsequent transactions incur a $1.50 fee.

(3) NAB ATMs located in Coles Express service stations are or have been transitioned out of the rediATM network.

Number of ATMs across Australia by Banking Group