Using ATMs overseas

While you can withdraw money and check your account balance using your debit or credit card please be aware that all ATMs are not the same and so in some countries your access may be limited. It's therefore a good idea to have multiple ways of accessing funds when abroad, such as our Travel Money Card.

ATM fees and charges

There's nothing like the Global ATM Alliance Westpac Group partner ATM network to keep you going: when overseas, use your BankSA debit or credit card to get cash and pay no ATM withdrawal fee¹ at ATMs including Barclays, Deutsche, Bank of America and more. BankSA does not charge a fee for checking your account balance at these ATMs. However, an ATM balance enquiry fee may be payable when using a non Westpac Group ATM or non Global ATM Alliance Partner ATM.
Be aware though that the following fees and charges will apply when using ATMs overseas:
- A 3% BankSA Foreign Transaction Fee applies to overseas debit or credit card withdrawals.
- A 3% cash advance fee applies to credit card withdrawals for each cash advance transaction.
When using a debit card, a $5 ATM withdrawal fee applies when you withdraw money from an ATM which is not part of the Global ATM Alliance network or is not a BankSA, Westpac, St.George or Bank of Melbourne ATM.
Some overseas banks may apply a fee for ATM withdrawals and/or ATM balance checks. This will be brought to your attention before you proceed with the transaction and can be avoided by using one of our Global ATM Alliance network or BankSA, Westpac, St.George or Bank of Melbourne ATMs.

Things to keep in mind

Access to BankSA online services is blocked in certain locations. See the full list of locations.
You will need to enter your PIN for all ATM withdrawals and balance checks.
A BankSA Visa Debit Card² lets you access your own money to withdraw local currency at ATMs and to make purchases, wherever Visa® is accepted.
You can use your Freedom Card to withdraw local currency from selected ATMs where PLUS is accepted.
For credit card holders who currently withdraw money in Australia from linked Savings or Cheque accounts, it is important to know that this functionality may not be available when using overseas ATMs, including Global ATM Alliance ATMs. To ensure access to Savings and/or Cheque account funds when overseas please speak to us about obtaining a Visa Debit Card for these accounts.
The daily withdrawal limit for Visa Debit Card is A$1000. This limit can be adjusted to a maximum of $2,000 by visiting a BankSA branch or calling Telephone Banking on 13 33 22.
When checking your account balance the amount will be displayed in the local currency.

Important information

1. Global ATM Alliance: No ATM withdrawal fee at Westpac Group, select Westpac Group partner, Global ATM Alliance and partner ATMs. Other fees and charges may be payable. A 3% Foreign Currency Conversion fee applies to overseas debit or credit card withdrawals. A 3% cash advance fee applies to credit card withdrawals for each cash advance transaction, some Global Alliance ATMs require you to select the "credit" option. A list of Global Alliance members is available here.

2. Visa Debit: To be eligible for a Visa Debit Card, you must have an Australian residential address and be over 14 years of age.