Following a review by the Reserve Bank of Australia (RBA), from 3 March 2009 ATM Direct Charging will be introduced at all ATMs across Australia.
ATM Direct Charging will now mean the fee charged for using an ATM will be displayed and charged by the ATM owner at the time of completing a transaction at their ATM. This ATM Direct Charge will then be displayed as a separate item on your account statement.
|Bank||Fee Free Foreign# ATMs|
|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)|
|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|
|Member's Equity Bank (2)||Westpac, St George, BankSA and Bank of Melbourne|
|Savings & Loan* (3)||rediATM and co-branded rediATM/NAB machines.|
|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, if you deposit $1000+ per month into your Orange Everyday from an external account.
(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.
# Foreign: ATMs belonging to a different bank/operator.
|Banking Group||No. of ATMs||Source and ATM finder|
|Commonwealth and Bankwest||4,000||https://www.commbank.com.au/personal/accounts/managing-your-accounts/convenient-access-atms.html|
|NAB and redi||3,400||https://www.nab.com.au/personal/help-and-guidance/ways-to-bank/nab-atms|
|Westpac, St George, BankSA and Bank of Melbourne||3,000||https://www.westpac.com.au/personal-banking/services/atms/|
|Suncorp and Bendigo Bank||2,000||http://www.suncorpbank.com.au/about/ways-to-bank/atms|