Free ATMs Near Me: Avoid Fees in Ireland & Australia

Few things sour a trip like an unexpected ATM fee. Whether you’re dodging a €1.50 charge in Dublin or wondering why your NAB card just cost you A$7.50 abroad, the rules around cash withdrawals can feel deliberately confusing. This guide breaks down exactly which banks charge what in Australia and Ireland, and how to withdraw money without giving away a cent to the machine.

Bank of Ireland ATM fee (non-BOI): €1.50 · NAB fee-free ATMs in Australia: 7,000+ · Revolut free monthly limit: €200 · AIB ATM fee (non-AIB): €1.65

The fee tables below show the real cost of a quick cash grab.

How to avoid ATM fees in Ireland?

Irish bank fees on non-network ATMs are among the highest in Europe. The simplest way to dodge them is to stick to your own bank’s machines. Bank of Ireland charges €1.50 per withdrawal at non-Bank of Ireland ATMs (Wikivoyage ATM fees guide). AIB’s fee is €1.65 (Wikivoyage ATM fees guide). If you’re a customer of either, use their own ATM and it’s usually free.

Use in-network ATMs

Open your bank’s app and use its “Find an ATM” tool. Bank of Ireland and AIB both have locators covering their full networks. The Mastercard ATM locator also shows free-to-use machines for many Irish banks (Mastercard ATM locator).

Check your bank’s fee schedule

• Bank of Ireland: €1.50 at non-BOI ATMs (Wikivoyage ATM fees guide)
• AIB: €1.65 at non-AIB ATMs (Wikivoyage ATM fees guide)
• Permanent TSB: typically €1.75 at non-network ATMs (Permanent TSB website)

Withdraw larger amounts less frequently

If you must use a non-network ATM, take out a bigger sum in one go. The fee is per transaction, so one €200 withdrawal saves you three €1.50 charges compared to three €67 withdrawals. The trade-off: carrying more cash.

Which ATMs are free for NAB customers?

NAB does not charge a fee at its own ATMs for NAB account holders (Wikivoyage ATM fees guide). The same goes for Bankwest ATMs, which NAB customers can use without charge. St. George customers also get fee-free access to Westpac’s network of 3,000+ ATMs.

NAB ATMs across Australia

NAB operates over 7,000 fee-free ATMs nationwide. Their mobile app includes a locator showing the nearest NAB machine.

Partner ATMs (Bankwest, St. George)

NAB and Bankwest share a fee-free arrangement. St. George customers can use Westpac ATMs without incurring a charge. For foreign cardholders, using any of these ATMs still triggers a fee from the card’s issuer — check your home bank’s policy.

Fee-free withdrawal limits

No limit on the number of free withdrawals from NAB, Bankwest, or Westpac ATMs for customers of the respective banks. But foreign-card users at NAB machines pay A$7.50 per withdrawal (Wikivoyage ATM fees guide).

How much are ATM fees in Ireland?

Ireland’s major banks charge a flat per-withdrawal fee when you use a competitor’s machine. Bank of Ireland: €1.50 (Wikivoyage ATM fees guide). AIB: €1.65 (Wikivoyage ATM fees guide). Permanent TSB’s fee is around €1.75. International cards may incur an additional foreign-transaction fee from the home bank, typically 2–3%.

The table below shows how fees stack up per withdrawal.

Visitors from the US or UK often see an extra 2–3% foreign transaction fee on top of the ATM fee. Check with your card issuer before traveling.

Bank of Ireland fee schedule

Bank of Ireland publishes its full fee schedule online. The ATM fee is clearly listed: €1.50 per withdrawal at non-Bank of Ireland ATMs in the Republic of Ireland (Wikivoyage ATM fees guide).

AIB and other bank fees

AIB’s €1.65 fee is higher than BOI’s. There is no charge for using an AIB ATM itself, but using a competitor’s machine triggers the fee. For international travelers, the combination of the local ATM fee plus their home bank’s non-network charge can push the total cost past €4 per withdrawal.

Do Revolut charge for ATM withdrawals?

Revolut’s Standard plan lets you withdraw up to €200 per month (or the equivalent in local currency) without any fee (Wise blog analysis). After that, a 2% fee or €1 (whichever is higher) applies. On weekends, a flat €1.50 fee is added to withdrawals that exceed the free allowance.

Here is how Revolut’s free limits break down by plan.

The free limit is per calendar month. Once exceeded, the fee kicks in immediately. On weekends, the €1.50 flat surcharge applies even if you’re under the limit? No — the weekend surcharge only applies to withdrawals that have already used up the free limit (Wise blog analysis).

Fees after exceeding the limit

After the free allowance, Revolut charges 2% of the withdrawal amount or €1, whichever is higher. So a €100 excess withdrawal costs €2. A €30 excess costs €1.

Weekend and currency conversion surcharges

A flat fee of €1.50 applies to any withdrawal that pushes you over the free limit on a Saturday or Sunday. Additionally, Standard and Plus users pay a 1% currency conversion fee on amounts over €1,000 per month (Wise blog analysis). Premium and above have higher or no conversion fees.

What bank has no ATM fee?

No bank offers truly free ATM access everywhere, but several come close. In the US, Ally Bank, Charles Schwab, and Capital One 360 reimburse all ATM fees globally — meaning you can use any machine and get the fee refunded. In Australia, NAB, St. George, and Bankwest do not charge their own customers at their own ATMs. In Ireland, using your own bank’s ATM is free, but network ATMs charge a fee.

Banks with nationwide fee-free ATMs (for their customers)

• Australia: NAB (7,000+ ATMs), St. George (3,000+ including Westpac network), Bankwest
• US: Charles Schwab (all fees reimbursed), Ally Bank, Capital One 360
• Ireland: Your own bank’s ATMs only

Online banks that reimburse fees

Revolut and Wise offer limited free withdrawals but do not fully reimburse all ATM fees. Charles Schwab’s High Yield Investor Checking account is the gold standard: unlimited reimbursement worldwide with no foreign transaction fee.

Credit unions and community banks

Many credit unions in Ireland and Australia are part of shared ATM networks. In Ireland, the “Linked” network lets credit union members use each other’s ATMs free. In Australia, the “Cardtronics” network includes some fee-free machines.

The pattern is consistent: network loyalty is free, straying costs money. The smart move for an Irish resident is to use only their own bank’s ATMs and plan withdrawals. For a traveler in Australia, a global fee‑reimbursing card (like Charles Schwab) or opening a local account with NAB or St. George eliminates the headache. The choice is clear: take a minute to check your bank’s fee schedule and ATM map, or let the fees pile up — each €1.50 you could have avoided.

Related reading: Cheap Car Insurance in Ireland: Compare Quotes & Save · Industry Super Australia: Funds, Performance & Comparisons

Frequently asked questions

“International visitors using a Bank of Ireland ATM will pay €1.50 plus their home bank’s foreign transaction fee — a cost that can easily reach €4 per withdrawal.”

— Bank of Ireland fee schedule (as summarized by Wikivoyage)

“Revolut Standard users can withdraw up to €200 per month for free. After that, a 2% or €1 fee applies.”

— Wise blog analysis of Revolut terms