In any given month, there are about 28,000 cash withdrawals in Australia to the value of about $9 billion. The average withdrawal value is over $300. This is less than half the number of withdrawals compared to a decade ago, yet the average has increased by more than $100. This implies people are making fewer withdrawals but taking out more money when they do.
Despite debit and credit card purchases topping $80 billion per month, it's evident that access to cash is still important. Access to ATMs has been a big talking point recently, with many banks closing cash points and branches down.
So, if access to cash is still important to you, here's a rundown of the banks with the most ATMs in Australia. Luckily, many of these banks' ATMs are fee-free, even if you don't bank with them, so keep an eye out next time you're on the hunt for cash.
Banks with the Most ATMs in Australia - November 2025
|
Rank |
Institution |
Owned & Operated ATMs |
|---|---|---|
|
1 |
CommBank |
1,819 |
|
2 |
ANZ |
869 |
|
3 |
Westpac Banking Corporation |
778 |
|
4 |
National Australia Bank |
719 |
|
5 |
Bendigo and Adelaide Bank |
411 |
|
6 |
Bank of Queensland |
111 |
|
7 |
Suncorp Bank |
108 |
|
8 |
Heritage & People's Choice (People First Bank) |
104 |
|
9 |
Newcastle Permanent & Greater Bank (Newcastle Greater Mutual) |
90 |
|
10 |
IMB Bank |
51 |
Source: APRA point of presence publication released October 2025. Data current to end-June 2025.
There are a few limitations with this data. The biggest one is that it doesn't include all possible fee-free ATMs in a bank's network. Many banks have a wide array of ATMs in their network that aren't technically owned and operated by that bank, so the footprint could be much greater.
The second is that in the case of big brands like Westpac, it has a few smaller banks under its wing. Westpac owns BankSA, Bank of Melbourne and St George - they are all included in this figure. CBA also owns Bankwest; BOQ owns ME Bank; and ANZ also owns Suncorp Bank.
The third limitation is APRA details points of presence. There may be more than one ATM at the one location, but it's counted as multiple ATMs.
Are Banks Closing ATMs in Australia?
Yes. ATMs - at least those owned and operated by the banks - are closing. Between June 2024 and June 2025, Australia lost about 300 bank-owned and operated cash points. This reflects about a 6% decline.
Branch numbers fell by 4.6% between the same period, though the decline was only 1.9% in the regions due to a moratorium on closures agreed-to between the government and banks.
"Trends in physical banking service channels provided by ADIs should be considered in the broader context of increased usage of digital banking services and the presence of other service providers," APRA said.
Other Ways to Access Cash
If you don't live or work near one of your bank's ATMs for easy access to cash, fret not; there are multiple ways to withdraw fee-free throughout Australia. And if your bank is primarily digital or doesn't have many branches or ATMs, these options can be handy as well.
Coles and Woolworths
Many Coles and Woolies checkouts and self checkouts allow you to withdraw cash fee-free up to a value of $200. The downside is that you need to purchase something; this can be handy if you're using it in-lieu of your weekly shop, but it might not make financial sense to purchase something you don't need unless you're desperate for cash.
Bank@Post
Australia Post allows you to deposit and withdraw cash, which can be a lifesaver. Bank@Post gives you access to cash and banking functions across more than 80 financial institutions, at more than 3,000 Australia Post locations Australia-wide. This footprint far eclipses any one brand mentioned above.
Prominent participating brands not mentioned earlier include AMP, ING, Up, and many mutual banks. A notable absentee is Macquarie Bank.
The Major Banks
Major bank ATMs - CBA, NAB, Westpac and ANZ - typically allow you to withdraw fee-free no matter who you bank with. This was a move made in 2017-18.
It makes a lot of sense, too, because they own and operate about 8-in-10 of all retail ATMs in Australia.
atmx
Just because your bank doesn't own and operate many of its own ATMs doesn't mean it doesn't have a wide ATM network. For example, atmx is owned by cash transit company Armaguard and has Australia's largest retail ATM network with 1,750 machines.
It has partnered with 24 brands to offer fee-free withdrawals at its machines. The brands include: ANZ, Suncorp Bank, Westpac, BankSA, St. George Bank, Bank of Melbourne, Horizon Bank, Bank Orange, BCU Bank, P&N Bank, AMP Bank, RACQ Bank, Police Credit Union, Warwick Credit Union, Central Murray Credit Union Limited, Police Bank, BankWAW, Central West Credit Union, BNK Banking Corporation, GMCU, Broken Hill Community Credit Union, Dnister Ukrainian Credit Co-operative, Transport Mutual Credit Union, and Defence Bank.
Some brands also receive free deposits, but the selection is limited to Suncorp, Orange Bank, Transport Mutual, Horizon Bank, and Police Bank.
On the hunt for a competitive savings account from one of these brands? Compare your options in the table below.
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NetBank Saver | |||||||||||||
| 0 | 1 | 0 | $product[$field["value"]] | $product[$field["value"]] | $product[$field["value"]] | More details | |||||||
NAB Reward Saver | |||||||||||||
| 0 | 0.01 | 0 | $product[$field["value"]] | $product[$field["value"]] | $product[$field["value"]] | More details | |||||||
Life | |||||||||||||
| 0 | 0 | $product[$field["value"]] | $product[$field["value"]] | $product[$field["value"]] | More details | ||||||||
ANZ Plus Flex Saver | |||||||||||||
Photo by Nick D on Wikimedia Commons
First published in April 2019
