Whether travelling overseas or simply online shopping outside Australia, debit card users are usually forced to pay fees for both buying something in a foreign currency, and for using a foreign ATM to withdraw money overseas. These fees will add up, especially if you’re doing it frequently.

Below is a comparison table of all debit card international transaction fees and foreign ATM fees. Most are very similar, however one or two cards offer the chance to save some money on both foreign exchange fees and overseas ATM fees.

Debit Card	Type	Australian ATM Withdrawal Fees	Overseas ATM Withdrawal Fee	Foreign Transaction Fee
ANZ Access Advantage		Free ANZ ATMs only	$5	3.00%
Bank of Melbourne Sense Everyday & Savings Account		None at Bank of Melbourne / Westpac / St.George / BankSA ATMs	$5	3.00%
BankSA Complete Freedom		No ATM Fees at St.George / BankSA / Bank of Melbourne / Westpac ATMs	$5	3.00%
Bankwest Rewards		Free*at all major bank ATMs Bankwest, CBA, Westpac, NAB, and ANZ branded ATMs	N/A	2.95%
Bankwest Zero		Free*at all major bank ATMs Bankwest, CBA, Westpac, NAB, and ANZ branded ATMs	$5	2.95%
Citibank Plus Account		No fees at over 3,000 Citibank, Westpac, St.George, BankSA and Bank of Melbourne ATMs	Fee-free at any Citibank-branded ATM.	0.00%
HSBC Day to Day		No ATM fees Westpac, St George, Bank of Melbourne and BankSA ATMs.	$4.50	3.00%
ING Direct		Any ATM in Australia is fee free when you withdraw $200 or more	$2.50 withdrawal	2.50%
NAB Classic Banking		Free at NAB ATM network, including rediATMs	$4	2.00%
St.George Sense		Free at St.George / BankSA / Bank of Melbourne / Westpac ATMs	$5	3.00%
St. George Complete Freedom		No ATM Fees at St.George / BankSA / Bank of Melbourne / Westpac ATMs	$5	3.00%
Westpac Choice		Free access at over 2,900 Westpac, St.George, BankSA and Bank of Melbourne ATMs	$5	3.00%
Woolworths Prepaid		n/a	$4.50	3.00%