Back to: International

ATMs are a convenient way to access accounts, but not all countries have the same ATM system. To avoid any problems, make sure:

• You have a four digit PIN
• Your desired accounts are linked correctly to your cards
• You are aware that 'debit' on most foreign ATMs is equivalent to 'savings' in Australia

You can access your savings/cheque account using MasterCard/Cirrus ATMs:

Using the MasterCard/Cirrus network
ATMs displaying the Cirrus logo overseas can be accessed using your Debit MasterCard^®, Handycard or MasterCard credit card to withdraw foreign currency.

In Europe

Accessing savings or transaction accounts – use your Debit MasterCard, Handycard only (MasterCards or Visa credit cards linked to these accounts won't work) Accessing credit card accounts – use your MasterCard or Visa cards

Outside Europe

Accessing savings or transaction accounts – use your Debit MasterCard, Handycard or linked MasterCard credit card Accessing credit card accounts – use your MasterCard or Visa cards

How much can you withdraw
The international daily limit for electronic withdrawals is A$1000.
This applies to ATM and EFTPOS transactions, during one 24 hour period (starting midnight). The limit can be adjusted to a maximum of $2000 at any Westpac branch or through Telephone Banking on 132 032.

How to avoid fees
When withdrawing cash from your savings or transaction accounts, you can save a fee of $5 by using the ATMs of participating Global Alliance partners in the following countries:

Country	MasterCard/Cirrus ATM network
New Zealand	Westpac NZ
Fiji, Vanuatu, Cook Islands, Samoa, Tonga, PNG, Solomon Islands	Westpac Pacific Banking
France	BNP Paribas
Germany, Spain, Italy, Poland	Deutsche Bank
UK* , Africa* , Spain, France, Portugal and Gibraltar	Barclays Bank
South Africa	ABSA
USA	Bank of America
Canada, The Caribbean, Mexico, Chile	ScotiaBank

*Note: for Africa this only includes: Ghana, Kenya, Tanzania, Zimbabwe, (excludes South & North Africa). Barclays UK; is only in England not all of the UK.

Withdrawals using ATMs not listed above will cost $5. Checking your account balance is free (please note: account balances are in local currency).

Some overseas banks may apply a surcharge on withdrawals; but this is brought to your attention before you proceed with the transaction.

A foreign currency fee is charged to you by Westpac, being 1.5% of the Australian dollar transaction amount.

A fee totalling 1% of the transaction amount for converting foreign currency transactions (including overseas ATM cash withdrawals and EFTPOS purchases) into Australian dollars, is charged to us by the applicable credit/debit card scheme, which we will pass on to you.