How Does ATMs & Cash Work in Australia?
Last verified: 2025-06 · Oceania
1The Quick Answer
Contactless card payments are universal in Australia, and many venues are now cashless — but carry AUD 50–100 for markets and small vendors.
2What You Need to Know
Australia is one of the world's most cashless societies, with tap-and-go (contactless) payments accepted virtually everywhere including small cafés, market stalls, and public transport. The Big 4 banks — Commonwealth, ANZ, NAB, and Westpac — have ATM networks that are free for their own customers but charge fees to others (typically AUD 2–3). Many venues, especially in cities, no longer accept cash at all. It is still wise to carry a small amount of cash (AUD 50–100) for farmers markets, some small regional businesses, and garage sales.
3Practical Tips
Practical Tips
- 1Use a fee-free travel card (Wise, Revolut) to avoid foreign ATM and currency conversion fees
- 2Tap-and-go with Visa or Mastercard works almost everywhere — Apple Pay and Google Pay widely accepted
- 3Carry AUD 50–100 in cash for weekend markets, small regional businesses, and emergency backup
How does this compare?
ATMs & Cash rules in nearby and similar countries:
Japan is heavily cash-based — always carry yen. 7-Eleven (Seven Bank) ATMs are the most reliable for foreign cards.
ATMs are widely available and the UAE is largely cashless, but carry AED 200–500 for souqs and small traditional vendors.
Thai ATMs charge a 220 baht fee per foreign card withdrawal — minimise withdrawals, carry cash for markets and temples, and always choose to be charged in Thai baht.
Traveling to Australia?
You might also need:
Wise (formerly TransferWise)
Send and spend money abroad using real mid-market exchange rates with no hidden fees.
SafetyWing Travel Insurance
Medical coverage for travelers worldwide. Covers emergency care, hospital stays, and evacuation.
Airalo eSIM
Instant eSIM for 190+ countries. Set up before you leave — no physical SIM card needed.
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