The everyday accounts that cost least to use overseas.
- Joint first$0a year overseasAMP Bank GO Everyday AccountAMP GONo fee on purchases overseas · Overseas ATM: No bank fee · No monthly feeGo to site
- Joint first$0a year overseasEasy Transaction AccountBankwestNo fee on purchases overseas · Overseas ATM: No bank fee · No monthly feeGo to site
- Joint first$0a year overseasOrange EverydayINGNo fee on purchases overseas · Overseas ATM: No bank fee · No monthly feeGo to site
Ranked by the fees on a year of $5,000 spent in other currencies, four $300 withdrawals at overseas ATMs and $2,000 paid in each month: the fee on each purchase in another currency, the bank's overseas ATM fee and the currency fee on the cash, and any monthly fee that deposit doesn't waive, lowest first. Accounts level on the figure share a place, listed by provider A–Z. Leaves out accounts whose overseas purchase or ATM fee isn't published, accounts only for under-18s, business, offset and concession-only accounts, and prepaid travel cards, whose cost is an exchange-rate margin no one publishes. Compares 36 providers, not the whole market.
The other 33 accounts
Ranked by the fees on a year of $5,000 spent in other currencies, four $300 withdrawals at overseas ATMs and $2,000 paid in each month: the fee on each purchase in another currency, the bank's overseas ATM fee and the currency fee on the cash, and any monthly fee that deposit doesn't waive, lowest first. Accounts level on the figure share a place, listed by provider A–Z.
| # | Account | Fee overseas | Overseas ATM | Monthly fee | Overseas | Links |
|---|---|---|---|---|---|---|
| =1 |  | No fee | No bank fee | $0 | $0a year overseasLevel with first ranked | Go to site |
| =1 |  | No fee | No bank fee | $0 | $0a year overseasLevel with first ranked | Go to site |
| =1 |  | None to $2,000 a month | No Revolut fee to $350 a month | $0 | $0a year overseasLevel with first ranked | Go to site |
| =1 |  | No fee | No bank fee | $0 | $0a year overseasLevel with first ranked | Go to site |
| =1 |  | No fee | No bank fee | $0 | $0a year overseasLevel with first ranked | Go to site |
| 9 |  | 0.34% | No Wise fee to $400 a month | $0 | $17a year overseas$17 more than first ranked | Go to site |
| 10 |  | 3% | No Crypto.com fee to $200 a month | $6.99 | $84a year overseas$84 more than first ranked | Go to site |
| 11 |  | 2% | $5 bank fee | $0 | $144a year overseas$144 more than first ranked | Go to site |
| 12 |  | 2.5% | $5 bank fee | $0 | $175a year overseas$175 more than first ranked | Go to site |
| =13 |  | 3% | No bank fee | $0 | $186a year overseas$186 more than first ranked | Go to site |
| =13 |  | 3% | No bank fee | $0 | $186a year overseas$186 more than first ranked | Go to site |
| 15 |  | 2.5% | $5 bank fee | $1.60 | $194a year overseas$194 more than first ranked | Go to site |
| =16 |  | 2.9% | $4 bank fee | $0 | $196a year overseas$196 more than first ranked | Go to site |
| =16 |  | 3% | $2.50 bank fee | $0 | $196a year overseas$196 more than first ranked | Go to site |
| 18 |  | 2% | $3.50 bank fee | $5 | $198a year overseas$198 more than first ranked | Go to site |
| 19 |  | 2.95% | $4.50 bank fee | $0 | $201a year overseas$201 more than first ranked | Go to site |
| 20 |  | 3.25% | No bank fee | $0 | $202a year overseas$202 more than first ranked | Go to site |
| 21 |  | 3% | $4.50 bank fee | $0 | $204a year overseas$204 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $5, waived | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $0 | $206a year overseas$206 more than first ranked | Go to site |
| =22 |  | 3% | $5 bank fee | $5, waived | $206a year overseas$206 more than first ranked | Go to site |
| =33 |  | 3.5% | $5 bank fee | $4, waived | $237a year overseas$237 more than first ranked | Go to site |
| =33 |  | 3.5% | $5 bank fee | $0 | $237a year overseas$237 more than first ranked | Go to site |
| 35 |  | 3% | $5 bank fee | $4 | $254a year overseas$254 more than first ranked | Go to site |
| 36 |  | 3.65% | $5 bank fee | $5.50 | $270a year overseas$270 more than first ranked | Go to site |
- =1Macquarie Transaction Account$0a year overseasLevel with first rankedNo fee on purchases overseas · Overseas ATM: No bank fee · No monthly fee
- =1SpendMEME Bank$0a year overseasLevel with first rankedNo fee on purchases overseas · Overseas ATM: No bank fee · No monthly fee
- =1Revolut Personal Account$0a year overseasLevel with first rankedNo fee on purchases overseas to $2,000 a month, then 0.5% · Overseas ATM: No Revolut fee to $350 a month · No monthly fee, Standard plan
- =1Spend accountubank$0a year overseasLevel with first rankedNo fee on purchases overseas · Overseas ATM: No bank fee · No monthly fee
- =1Up Everyday Account$0a year overseasLevel with first rankedNo fee on purchases overseas · Overseas ATM: No bank fee · No monthly fee
- 9Wise Account$17a year overseas$17 more than first ranked0.34% on purchases overseas · Overseas ATM: No Wise fee to $400 a month · No monthly fee, Wise plan · Not a bank: the government’s $250,000 guarantee doesn’t cover it
- 10Crypto.com Visa Card$84a year overseas$84 more than first ranked3% on purchases overseas · Overseas ATM: No Crypto.com fee to $200 a month · $6.99 a month, Plus plan · Not a bank: the government’s $250,000 guarantee doesn’t cover it · Paid plans: a monthly fee, or its crypto locked up for 12 months
- 11Everyday Transaction AccountMoveBank$144a year overseas$144 more than first ranked2% on purchases overseas · Overseas ATM: $5 bank fee · No monthly fee
- 12Virgin Money Go Account$175a year overseas$175 more than first ranked2.5% on purchases overseas · Overseas ATM: $5 bank fee · No monthly fee
- =13Purple Transactor AccountBeyond Bank$186a year overseas$186 more than first ranked3% on purchases overseas · Overseas ATM: No bank fee · No monthly fee
- =13Everyday AccessDefence Bank$186a year overseas$186 more than first ranked3% on purchases overseas · Overseas ATM: No bank fee · No monthly fee
- 15Everyday AccountIMB Bank$194a year overseas$194 more than first ranked2.5% on purchases overseas · Overseas ATM: $5 bank fee · $1.60 a month
One account per provider: its cheapest. Overseas ATM figures are the bank's own fee: the ATM's owner may charge its own on top, which banks don't publish, so it isn't counted. The exchange rate itself (Visa's, Mastercard's or the provider's own) isn't compared.
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As of 23 October 2026, 8 everyday accounts tracked by BankMate cost nothing in bank fees on a year of $5,000 spent in other currencies, four $300 withdrawals at overseas ATMs and $2,000 paid in each month: AMP GO, Bankwest, ING, Macquarie, ME Bank, Revolut, ubank and Up. How we rank