Travelling to Australia? Here’s an Australia ATM withdrawal guide for everything you need to know.
If you’re travelling Down Under and wondering how to get cash on the go, we’ve got you. Whether you’re in Sydney, Melbourne, or the Outback, this Australia ATM withdrawal guide covers everything you need to know in 2025 – from ATM fees and withdrawal limits to tips on avoiding extra charges.
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Summary:
- Cash is essential in Australia, especially in local markets and remote areas.
- You can use foreign debit and credit cards to withdraw AUD from most ATMs.
- Most Australian banks charge a local ATM withdrawal fee of 2 AUD (~S$1.67) per transaction.
- ATM withdrawal limits typically range from 500 AUD to 2,000 AUD per day (~S$416.65 to S$1,666.59).
- YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.
Do you still need cash in Australia?
Short answer: Yes, a little.
Australia is mostly cashless – cards and mobile payments are widely accepted. But it’s still handy to have some cash on you, especially if you’re:
- Visiting local markets
- Taking public transport in smaller cities
- Heading to remote areas or regional towns
- Splitting bills or tipping at smaller cafés
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Can I withdraw AUD using my debit/credit card?
Absolutely. Most ATMs in Australia accept international debit and credit cards – Visa, Mastercard, Amex, and even UnionPay. Just make sure:
- Your card is activated for overseas use
- You’ve got a 4-digit PIN
- You’ve checked with your bank about foreign ATM fees
Pro tip: Debit cards are usually cheaper to use than credit cards when withdrawing cash.
Note: Most Australian ATMs give out either 20 AUD (~S$16.67) or 50 AUD (~S$41.66) banknotes.
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Where to find ATMs in Australia?
ATMs are widely available throughout Australia. These are some common, convenient locations to withdraw Australian Dollars from with your foreign card:
- Banks
- Shopping malls
- Petrol stations
- Train stations & airports
- Convenience stores (e.g. 7-Eleven)
Stick to the big four banks for more reliable machines and lower fees:
- Commonwealth Bank – Locate your ATM here
- Westpac – Locate your ATM here
- National Australia Bank (NAB) – Locate your ATM here
- ANZ – Locate your ATM here
Pro Tip: Try to avoid random standalone ATMs, especially in bars or touristy areas – they usually charge more. You can recognise private ATMs because they’re not branded with a specific bank’s name and logo.
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How to withdraw AUD at Australia ATMs
Here’s how you can withdraw Australian Dollars at Australia ATMs with YouTrip in 4 easy steps:
1️⃣ Locate an ATM displaying any of these logos and insert your YouTrip card
2️⃣ Select ‘Saving account’
3️⃣ Key in your 4-digit ATM PIN
4️⃣ Withdraw your desired amount in AUD
👉 Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter
And there you have it — you won’t ever have to worry about running out of cash in Australia.
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Australia ATM fees
Local ATM fees: Australian banks charge non-customers (including those using foreign cards) an ATM fee. This is usually 2 AUD (~S$1.67) per transaction.
Many Australian banks also impose an international transaction fee (~3%) plus a fixed fee (~S$5) for cash withdrawals with foreign cards.
Your Bank’s fees: Your Singapore bank might add its own charges, which could be a fixed amount or a percentage of the withdrawal amount.
To avoid any unexpected charges, it’s best to check with your bank before your trip!
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Tips to minimise ATM fees in Australia
Here’s how to avoid unnecessary charges when withdrawing money in Australia:
- Withdraw more at once to cut down on per-use fees
- Use major bank ATMs, not random ones in convenience stores
- Use a multi-currency card like YouTrip, which offers competitive AUD exchange rates with zero FX fees, and offers *free monthly ATM withdrawals of S$400. Do note that a 2% fee will be imposed thereafter.
- Avoid using bank cards which charge a 2-3% fee for foreign transactions and a 2-8% fee on ATM withdrawals.
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Australia ATM cash withdrawal limits
- ATM withdrawal limits typically range from 500 AUD to 2,000 AUD per day (~S$416.65 to S$1,666.59), depending on the bank and the specific account.
- Some banks, like ANZ, allow up to 2,500 AUD (~S$2,083.24) for certain debit cards
- Your bank might also have its own withdrawal limits, so do check before your trip!
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Exchange Rates & Conversion Fees in Australia
Here’s what to watch out for:
- Dynamic Currency Conversion (DCC): ATMs may offer to charge you in your home currency — always select AUD. If you select SGD, the ATM applies DCC, which gives you a poor exchange rate with extra fees.
- Exchange Rate Markups: If you’re not using a multi-currency card, your bank may mark up the exchange rate by 1-4%. So, keep this in mind when calculating your total costs!
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Tips to avoid extra fees on exchange rates: Use a multi-currency card
A multi-currency card allows you to spend like a local without the usual markups or extra charges your bank would typically charge — some even waive the FX fees entirely.
Consider cards like YouTrip, Wise, or Revolut if you’re looking to save on foreign exchange rates and pesky fees. These cards:
- Allow you to score real-time exchange rates
- Avoid or charge lower foreign transaction fees compared to traditional banks
- Charge lower ATM withdrawal fees & work at most ATMs and retail stores in Vietnam
Here’s a quick comparison between some of the best multi-currency cards in Singapore:
| YouTrip | Revolut | Wise | Amaze | Trust | |
|---|---|---|---|---|---|
| AUD Exchange Rate | 1 SGD = 1.195 AUD | 1 SGD = 1.192 AUD | 1 SGD = 1.192 AUD | 1 SGD = 1.194 AUD | 1 SGD = 1.193 AUD |
| FX Fees | No fees | On weekdays: No fees apply if you’re within your plan’s fair usage limit On weekends: 1% fee applies regardless of your plan | From 0.26% *fee varies by currency | No fees for FX transactions ✅ 1% domestic fee for SGD transactions | No fees |
| ATM Withdrawal Fees | Up to S$400 free monthly ATM withdrawals A 2% fee is imposed thereafter | Free monthly withdrawals of up to S$350 / 5 withdrawals A 2% fee is imposed thereafter | Free monthly withdrawals of up to S$350 / 2 or less withdrawals A 1.75% fee is imposed thereafter | A 2% fee is imposed on all amounts withdrawn | None |
*Rates taken as of 3 June 2025
Australia ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2025 — Read: Best SGD To AUD Exchange Rate (2025 Guide)
Safety tips for using ATMs in Australia
Stay safe when withdrawing cash in Australia:
- Use ATMs inside banks, malls, or hotel lobbies — avoid standalone machines on the street.
- Inspect for skimming devices (loose card slots or strange attachments).
- Cover your PIN with your hand when entering it.
- Enable transaction alerts through your banking app.
- If your card is stuck or lost, call your bank immediately.
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Get the best AUD rates with YouTrip!
Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best VND rates with no fees and no hidden charges. You can also enjoy free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter. Perfect for hassle-free travel in Vietnam!
So if you’re looking for a go-to travel card, sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it.
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Happy travels!
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