To avoid ATM fees, use banks like Macquarie, ING, Suncorp, or NAB for fee-free domestic withdrawals at partner ATMs (often including the "Big Four" – CommBank, Westpac, ANZ, NAB) or specific networks like atmx; alternatively, digital banks or those with broad ATM access, such as Axos (US) or Schwab (Global), offer reimbursements or access to large free networks, though in Australia, focusing on major bank partnerships or digital options is key.
ATMs are also free if you use an Australian debit card at ATMs from: CommBank • ANZ • NAB • Westpac. The bank might give you a debit card to use when you: • use an ATM to take money out of your account • shop in stores or online • pay for a service. Many First Nations communities are far away from cities or towns.
For Commonwealth Bank (CommBank) customers in Australia, you get free ATM withdrawals at CommBank ATMs, and also at ATMs from ANZ, NAB, and Westpac. You should avoid independent ATMs or those in other countries, as these often charge fees, but you can use your CommBank card fee-free at the major Australian banks listed.
If you're a NAB customer you can withdraw cash fee-free at: Any NAB, Commonwealth, ANZ and Westpac ATM across Australia. Thousands of merchants which have EFTPOS machines, including most supermarkets and petrol stations. More than 3,400 Bank@Post locations around Australia.
ATM fees are usually preventable when you choose ATMs owned by your bank or financial institution. When you use an ATM independently owned or operated by another bank, your bank will often charge an out-of-network fee and the ATM owner will add a surcharge, taking funds out of your account.
Westpac does not charge fees for domestic purchases and withdrawals at participating ATMs. Cash withdrawals are free at ATMs around the world via the Global ATM Alliance and partner ATMs, though foreign transactions fees will apply.
Usually, banks allow customers to make five withdrawals at no additional charges in a month. Post that, a charge will be levied for each withdrawal at an ATM.
For ANZ customers in Australia, you get free cash withdrawals and balance checks at ANZ ATMs, atmx by Armaguard ATMs, and ATMs of the other "Big Four" banks: NAB, Commonwealth Bank, and Westpac, plus many merchants like supermarkets with EFTPOS for cash-out, and Australia Post (Bank@Post). These partnerships ensure wide fee-free access across major networks, but always look for the ANZ branding or partner bank logos to avoid third-party surcharge fees.
Top 5 Best Banks in Australia
To avoid Commonwealth Bank fees, you generally need to meet deposit or age criteria to waive monthly account fees (like depositing $2,000/month or being under 30), use ATMs or the app for transactions instead of staff, and maintain sufficient funds to prevent overdraws and dishonour fees, with options like Streamline Basic accounts for concession holders.
If you are an Australian tax resident and you have an account in a financial institution overseas, we will receive your information from the tax authority of that jurisdiction. All information reported under these laws is handled in the strictest confidence by the ATO and foreign tax authorities.
If you hold an Australian banking card, you can withdraw cash at an ATM owned by your bank, or one of Australia's big four banks (ANZ, Commonwealth Bank, Westpac or NAB) with no fee. Some financial institutions also have agreements with one another, and allow their partners' customers to use their ATMs for free.
All customers can make fee-free cash withdrawals from all major bank ATMs and participating Australia Post offices via Bank@Post.
You can use your Upgrade OneCard at all 55,000 AllpointⓇ Network ATMs nationwide with no ATM fees. Find the nearest Allpoint ATM. If you use an ATM outside of the Allpoint Network, you will be assessed a $2.50 fee for each withdrawal.
Bank ATM fees are just one of the many bank fees you can face. Usually, your bank won't charge an ATM fee when you use a bank-branded machine. However, if you use an ATM outside of the bank's network, you'll likely face an ATM fee. This includes withdrawals, deposits and balance inquiries.
You can avoid ATM fees in Australia by using your debit card at your own bank's ATMs or by using major bank ATMs (CommBank, ANZ, NAB, Westpac) fee-free with many accounts, plus other partner networks like atmx, Suncorp, St.George, etc., depending on your specific bank, so check your bank's ATM network for partners. Banks like ING, Ubank, Bank Australia, and MyState Bank often offer broad fee-free access to major ATMs. Always check the ATM screen for fee warnings before proceeding, as some ATMs might still charge fees.
At CommBank, we continue to offer fee free cash withdrawals when using a CommBank ATM - Australia's largest bank owned ATM network. We're committed to providing the best banking experience and best product features to our customers.
Visa or your bank do not charge you a fee to send or receive money with your Visa Debit card. Some merchants and originators may or may not charge a convenience fee to use your Visa Debit card.
The RBI increased ATM withdrawal charges from ₹21 to ₹23 per transaction beyond the free limit, effective from May 1, 2025. This was the latest revision in ATM charges as banks were permitted to raise fees by ₹2 per transaction for withdrawals exceeding the monthly free usage quota.
Unlimited Free ATM Withdrawal with your IndusInd Bank Debit Card across any ATM in India. In Check-On-Cheque service, now get pictures of your issued cheques with your bank account statement – a first in the industry. So next time you issue a cheque, just remember that you will see it again!
Per Bankrate, the average ATM surcharge—the fee levied by the other bank—was $3.22 in 2025, an all-time high. “When you use unaffiliated ATMs, your bank (or credit union) will pay a small fee to the company that owns the ATM for the transaction. This charge will be passed through to you as a non-bank ATM fee.
For ANZ customers in Australia, you get free cash withdrawals and balance checks at ANZ ATMs, atmx by Armaguard ATMs, and ATMs of the other "Big Four" banks: NAB, Commonwealth Bank, and Westpac, plus many merchants like supermarkets with EFTPOS for cash-out, and Australia Post (Bank@Post). These partnerships ensure wide fee-free access across major networks, but always look for the ANZ branding or partner bank logos to avoid third-party surcharge fees.
Suncorp Bank debit cardholders can access fee-free¢ cash withdrawals or balance enquiries at Suncorp Bank ATMs and atmx ATMs Australia wide. In addition, you can also access Big 4 Bank ATMs fee-free as well.
Westpac customers get free ATM withdrawals in Australia at Westpac, St. George, BankSA, Bank of Melbourne, atmx, and Precinct ATMs, plus partner ATMs like Armaguard, offering access to around 7,000 fee-free ATMs nationwide, and overseas at Global ATM Alliance partners, though foreign transaction fees might apply. You can find them using the Westpac website locator or the Mobile Banking app.