Everyday bank accounts in Australia can seem similar, but the fees attached to them can vary considerably. Understanding how fee structures work helps people compare options more confidently. This guide provides general educational information about common fees associated with Australian transaction accounts. It does not recommend specific products.
Common Australian bank account fees
Most everyday transaction accounts in Australia include some form of fee structure. These may depend on account usage, balance requirements, or the presence of linked products.
Typical fee types
- Monthly account keeping fees
- ATM withdrawal fees
- International transaction fees
- Overseas ATM fees
- Currency conversion margins
2025 fee comparison at a glance
| Fee Type | Common Cost Range |
|---|---|
| Monthly account fee | $0–$6 |
| ATM withdrawals | $0–$2.50 (domestic) |
| International card purchases | 0–3.5% of transaction |
What fees to be aware of in 2025
- Monthly maintenance fees
- Overseas ATM withdrawals
- International transaction fees
- Insufficient funds fees
- Domestic ATM fees (within major networks)
- Monthly fees with eligibility
- Digital transfer fees
- Cash withdrawal fees at partnered ATMs
2025 Australian banking conditions
Step-by-step: Opening an account
- Confirm identification requirements
- Check account fees and conditions
- Review ATM network coverage
- Understand international usage costs
- Check digital banking features
Someone using their Australian card for frequent overseas purchases may incur additional conversion and network fees.
When to review your account
- Changes in personal circumstances
- Increase in international spending
- New eligibility for fee waivers
- Availability of new account types
This article is general information only and is not financial advice. It does not take into account your objectives, financial situation, or needs.
This article is general information only and does not constitute financial, investment, legal, or tax advice. It does not consider your objectives, financial situation, or needs. You may wish to seek personalised advice from a licensed professional before making financial decisions.