You can use just about any ATM with just about any account in Australia, which is great if you need cash in a hurry. That can be a costly exercise, however, so it's well worth keeping in mind which ATMs you can use without incurring extra fees.
We've listed the main banks and their arrangements for fee-free access below. It's always sensible to minimise your banking fees wherever possible, so using a compatible ATM makes a lot of sense. ATMs are required by law to inform you of additional fees that may apply when using them, allowing you to exit gracefully if you feel the fee is too high
A few caveats do apply to these guidelines, however, depending on your account type. Many lower cost accounts severely limit the number of ATM withdrawals you can make in a calendar month, or require you to either withdraw over a set amount (as ING does) or have a minimum account balance to qualify for free ATM withdrawals.
Bear in mind also that some accounts may offer credit card services for free but not ATM withdrawals, so it's feasible to save some money paying by card instead of cash, as long as your merchant of choice isn't popping a credit card surcharge on your transaction.
|Bank||Fee Free ATMs available|
|Westpac||Westpac||St George||Bank SA||Bank Of Melbourne|
|NAB||NAB||rediATM||Bank of Queensland|
|Rediteller Credit Unions||rediATM|
|Bendigo Bank||Bendigo Bank||Suncorp|
|Bank of Queensland||Bank of Queensland||rediATM|
|St George||St George||Westpac||Bank SA|
|Suncorp Metway||Suncorp||Bendigo Bank|
|Teachers Mutual Bank||rediATM||NAB||Bank Of Queensland|
|ING||Withdrawals over $200 have fee refunded|
|Bank SA||Bank SA||Westpac||St George||Bank Of Melbourne|
|Bank Of Melbourne||Bank Of Melbourne||Westpac||Bank SA||St George|
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