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    ATM Fee Guide
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    ATM Fees in Australia

    Australian Dollar (AUD) • Updated April 2026

    Australia has eliminated most ATM fees from major banks. Since 2017, the Big Four banks (CommBank, Westpac, NAB, ANZ) don't charge fees for any cardholders. However, independent ATMs still charge $2-3 per transaction. Many places are card-only, especially since COVID.

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    Tips for Australia

    • • Big Four bank ATMs (CommBank, Westpac, NAB, ANZ) are free for all cardholders
    • • Avoid orange Bankwest ATMs and independent ATMs - they charge fees
    • • Surcharges (1.5%-2%) for card payments are extremely common at cafes and restaurants. Foreign cards generally cannot avoid this.
    • • Tap-and-go is universal, but often incurs the surcharge. Cash is the only way to strictly avoid these fees.
    • • Many places are card-only, especially since COVID
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    Airport tips

    • • Sydney and Melbourne airports have Big Four bank ATMs
    • • Opal card (Sydney) and myki (Melbourne) can be topped up by card
    • • All airport facilities accept cards
    • • Taxis and Uber accept cards
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Australia, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    90-165

    AUD/day

    🏨 Accommodation35-60
    🍜 Food & drinks25-45
    🚌 Transport10-20
    🎟️ Activities20-40

    ≈ $63.48-116 USD

    Mid-range

    Hotels, restaurants, mix of transport

    260-470

    AUD/day

    🏨 Accommodation120-220
    🍜 Food & drinks60-100
    🚌 Transport30-50
    🎟️ Activities50-100

    ≈ $183-332 USD

    Luxury

    Premium hotels, fine dining, private transport

    650-1300

    AUD/day

    🏨 Accommodation300-600
    🍜 Food & drinks150-300
    🚌 Transport80-150
    🎟️ Activities120-250

    ≈ $458-917 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Australia.

    Credit card acceptance

    Excellent

    Australia is nearly cashless with excellent card acceptance everywhere. Contactless (Tap & Go) is standard. Many businesses are card-only.

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    You'll need cash for

    • • Some markets
    • • Very small local businesses
    • • Tips (not expected)
    • • Some parking meters
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    Cards usually accepted

    • • Virtually everywhere
    • • All retail and restaurants
    • • Public transport
    • • Taxis and Uber
    • • Farmers markets (mostly)

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    Commonwealth Bank0 AUD0 USD4,000
    Westpac0 AUD0 USD3,200
    NAB0 AUD0 USD2,800
    ANZ0 AUD0 USD2,600
    Independent ATMs2-3 AUD~1.50 USD10,000

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Independent ATMs2-3 AUD~1.50 USD10,000
    Commonwealth Bank0 AUD0 USD4,000
    Westpac0 AUD0 USD3,200
    NAB0 AUD0 USD2,800
    ANZ0 AUD0 USD2,600

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Australia:

    Global ATM AllianceAllpoint Network
    View all ATM alliances →

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