The big four’s everyday accounts that cost least overseas.
- Joint first$206a year overseasANZ Access AdvantageANZ3% on purchases overseas · Overseas ATM: $5 bank fee · $5 a month, waived once $2,000 goes inGo to site
- Joint first$206a year overseasWestpac ChoiceWestpac3% on purchases overseas · Overseas ATM: $5 bank fee · $5 a month, waived once $2,000 goes inGo to site
- Joint third$237a year overseasSmart AccessCommonwealth Bank3.5% on purchases overseas · Overseas ATM: $5 bank fee · $4 a month, waived once $2,000 goes inGo 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, as on the main board, lowest first. Banks level on the figure share a place. Leaves out accounts whose overseas fees aren't published; ANZ Plus counts as ANZ. Compares 4 providers, not the whole market.
The other 1 account
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, as on the main board, lowest first. Banks level on the figure share a place.
| # | Account | Fee overseas | Overseas ATM | Monthly fee | Big four | Links |
|---|---|---|---|---|---|---|
| =3 |  | 3.5% | $5 bank fee | $0 | $237a year overseas$31 more than first ranked | Go to site |
- =3NAB Classic Banking$237a year overseas$31 more than first ranked3.5% on purchases overseas · Overseas ATM: $5 bank fee · No monthly fee
One account per bank: 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.
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As of 23 October 2026, the big four bank everyday account tracked by BankMate that costs least overseas is ANZ Access Advantage at $206 a year overseas, on a year of $5,000 spent in other currencies, four $300 withdrawals at overseas ATMs and $2,000 paid in each month. How we rank