Which banks have the lowest overseas transaction fees?


ATM and transaction fees compared.


Accessing your Australian bank account while overseas can be expensive.

Whenever you withdraw money from an ATM or pay for a meal with your credit card in a foreign country, the extra charges will pile up. But some banks have lower fees than others. See how your bank's international transaction fees compare:

Note: The ATM fees listed below don't include fees charged by overseas non-network ATMs, which can be steep.

Bank card overseas transaction fees
Provider Account Overseas ATM fee ($) Overseas purchase fee ($) Overseas transaction fee ($)
AMP Access Account 5.50 1.50 2.50
ANZ Access Advantage 5.00 0.00 3.00
Arab Bank Australia Statement Account 5.00 5.00 2.50
Australian Military Bank Access Savings 4.50 0.00 2.95
Australian Military Bank Military Rewards Account 4.50 0.00 2.95
Australian Unity Transaction Account 4.00 0.00 3.00
Auswide Bank Everyday Access Account 5.00 0.00 3.00
Auswide Bank Everyday Choice Account 5.00 0.00 3.00
B&E Personal Banking Everyday Advantage 5.00 0.00 2.50
B&E Personal Banking iAdvantage 5.00 0.00 2.50
Bank Australia Everyday Access 3.50 0.00 3.00
Bank of Melbourne Complete Freedom Account 5.00 0.00 3.00
Bank of Melbourne Express Freedom Account 5.00 0.00 3.00
Bank of Melbourne Sense Account 5.00 0.00 3.00
Bank of Queensland Day2Day Plus Account 5.00 0.00 3.00
Bank of Queensland Reverse Charges Account 5.00 0.00 3.00
Bank of Sydney Everyday Saver Account 5.00 0.00 3.00
BankSA Complete Freedom Account 5.00 0.00 3.00
BankSA Express Freedom Account 5.00 0.00 3.00
BankSA Sense Account 5.00 0.00 3.00
BankVic Ezepay 4.00 0.00 3.65
Bankwest Easy Transaction Account 5.00 0.00 2.95
Bankwest Hero Transaction Account 5.00 0.00 2.95
Bankwest Lite Direct Transaction Account 5.00 0.00 2.95
Bankwest Qantas Transaction Account 0.00 0.00 2.95
Bankwest Rewards Transaction Account 0.00 0.00 2.95
BCU Access Account 0.00 0.00 3.65
BCU Basic Access Account 0.00 0.00 3.65
Bendigo Bank Everyday Account 5.00 0.00 3.00
Beyond Bank Access Savings Account 4.50 0.00 3.00
Big Sky Everyday Banking Account 4.00 0.00 3.00
BOQ Specialist One Account 5.00 0.00 2.95
Catalyst Money Everyday 0.00 0.00 3.00
Catalyst Money Everyday Lite 0.00 0.00 3.00
Citibank Plus Transaction Account 0.00 2.50 2.50
Commonwealth Bank Smart Access 5.00 0.00 3.00
Community First Credit Union Access 5.00 0.00 3.00
Credit Union SA Access Account 0.00 0.00 3.00
CUA Everyday Account 5.00 0.00 2.75
CUA Everyday Youth Account 5.00 0.00 2.75
Defence Bank Everyday Access 4.10 0.00 3.00
Defence Bank National Access 4.10 0.00 3.00
Defence Bank Salary Saver 4.10 0.00 3.00
Delphi Bank Liberty Account 5.00 0.00 2.00
Delphi Bank Savings Account 5.00 0.00 2.00
G&C Mutual Bank Access Account 5.00 0.00 2.85
G&C Mutual Bank Reward Me Saver 5.00 0.00 2.85
Gateway Credit Union Edge Account 3.50 0.00 2.00
Gateway Credit Union Everyday Savings 3.50 0.00 2.00
Greater Bank Access Account 5.00 0.00 3.00
Greater Bank Ultimate Access Account 5.00 0.00 3.00
Heritage Bank Money Manager 5.00 0.00 3.00
Heritage Bank Simply Access 5.00 0.00 3.00
HSBC Day to Day Account 4.50 0.00 3.00
Hume Bank All Purpose 0.00 0.00 2.85
Hume Bank Essential 0.00 0.00 2.85
Illawarra Credit Union Everyday 0.00 0.00 3.00
Illawarra Credit Union Everyday Lite 0.00 0.00 3.00
IMB Bank Everyday Account 5.00 0.00 2.50
IMB Bank Everyday Unlimited Account 5.00 0.00 2.50
ING DIRECT Orange Everyday 0.00 0.00 0.00
Macquarie Platinum Transaction Account 5.00 0.00 0.00
Macquarie Transaction Account 5.00 0.00 0.00
Maritime Mining & Power Credit Union Access Saving Account 0.00 0.00 3.00
ME Everyday Transaction Account 4.00 0.00 2.30
ME InterestMe Savings Account 4.00 0.00 2.30
MyState Access Account 5.00 0.00 3.00
NAB Classic Banking Account 5.00 0.00 3.00
Newcastle Permanent Everyday Account 5.00 0.00 3.00
Newcastle Permanent Statement Savings Account 5.00 0.00 3.00
P&N Bank Budgeting Account 5.00 0.00 3.00
P&N Bank Easypay Access Account 5.00 0.00 3.00
People's Choice Credit Union Activate Account 5.00 0.00 3.00
People's Choice Credit Union Everyday Account 5.00 0.00 3.00
People's Choice Credit Union Zip Account 5.00 0.00 3.00
Police Bank Easy Access Account 3.80 0.00 3.00
Police Credit Union RediAccess Account 4.00 1.36 3.00
QBANK Everyday Plus Transaction Account 5.00 0.00 3.65
QBANK On Call 5.00 0.00 3.65
QT Mutual Bank Current Account 4.50 0.00 3.00
QT Mutual Bank Everyday Account 4.50 0.00 3.00
Qudos Bank General Savings Account 2.00 0.00 3.65
Queensland Country Credit Union All Access 4.00 0.00 3.65
Queenslanders Credit Union Action Account 2.00 2.00 5.00
Queenslanders Credit Union Basic Account 2.00 2.00 5.00
Queenslanders Credit Union LiveFree Account 2.00 2.00 5.00
RAMS (at affiliated ATMs & terminals) Action Account 0.00 0.00 0.00
Regional Australia Bank Access Savings Account 0.00 0.00 2.00
Regional Australia Bank Community Partnership Account 0.00 0.00 2.00
Regional Australia Bank eFree 0.00 0.00 2.00
Rural Bank Everyday Account 4.00 0.00 2.00
SCU Access Savings 4.00 3.00 2.00
St.George Complete Freedom Account 5.00 0.00 3.00
St.George Express Freedom Account 5.00 0.00 3.00
St.George SENSE Account 5.00 0.00 3.00
Suncorp Everyday Basics 5.00 0.00 3.00
Suncorp Everyday Options 5.00 0.00 3.00
Teachers Mutual Bank Everyday Direct Account 4.00 0.00 2.45
The Rock Fee Cruncher Account 5.00 0.00 3.00
The Rock Only Account 5.00 0.00 3.00
UBank USaver Ultra Transaction Account 4.00 0.00 2.00
UniBank Everyday Direct Account 4.00 0.00 2.45
Victoria Teachers Mutual Bank Everyday 2.50 0.00 2.00
Westpac Choice 5.00 0.00 3.00
Source: mozo.com.au
  • Thinking about switching? Read our article on how to switch banks.
  • Where are you headed? Read our essential travel guides for the US, UK and Ireland, Thailand, Bali, Fiji and many more destinations.
  • Considering a travel money card? Find out which ones are best in our travel money card review.

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