Global ATM Alliance

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The Global ATM Alliance is a joint venture of several major international banks that allows customers of their banks to use their automated teller machine (ATM) card or debit card at another bank within the alliance with no international ATM access fees. Other fees, such as an international transaction or foreign currency fee, may still apply for some account holders. Participating banks are located around the globe.

Contents

The participating banks are as follows. Some of the listed banks, however, may honor ATM reciprocity only in one country for certain allied banks, e.g., fees may not be charged for Barclays branches in the United Kingdom, but fees may be charged for branches of Barclays in other countries.

Bank-specific rules and information

Bank of America account holders

There are three separate fees that may apply to Bank of America account holders when using their ATM or debit cards outside the United States: [6]

Coverage AreaGlobal ATM Alliance Bank
United Kingdom: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey, and the Channel Islands.Barclays [1]
FranceBNP Paribas [1]
ItalyBNL d'Italia [1]
LuxembourgBGL BNP Paribas
Germany, SpainDeutsche Bank [1]
Canada, Mexico, Chile, Peru, and the Caribbean, including Anguilla, Antigua & Barbuda, the Bahamas, Barbados, the British Virgin Islands, the Cayman Islands, Dominica, the Dominican Republic, Grenada, Jamaica, Saint Maarten, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & the Grenadines, Trinidad and Tobago, and the Turks & Caicos Islands. Scotiabank
Australia and New ZealandWestpac
Ukraine Ukrsibbank
Turkey TEB
South AfricaNone specified (as of February 2022)

Additionally, Bank of America also has a special partnership with China Construction Bank to provide the same ATM fee waivers to Bank of America account holders using China Construction Bank ATMs in mainland China (excluding Hong Kong). I.e., account holders using their Bank of America ATM card or debit card at a China Construction Bank ATM in mainland China can avoid the "non-Bank of America usage fee" and "ATM operator access fee" for each withdrawal, transfer, or balance inquiry. The 3 percent "international transaction fee" for converting currencies will still apply. [7]

Westpac Bank Australian account holders

Westpac cash withdrawal fee

A holder of a Westpac Australia "everyday bank account" or "savings account" may incur a A$5 fee when making a successful cash withdrawal at an ATM outside Australia. This fee does not apply to two types of savings accounts: "eSaver" and "Bump Savings". The fee is waived when using a Mastercard/Cirrus ATM of a participant in the Global ATM Alliance [8] in the following countries:

Country/TerritoryMasterCard/Cirrus ATM network
New ZealandWestpac NZ
Fiji, Papua New Guinea Westpac Pacific Banking
France, Poland, Italy (under the BNL Brand)BNP Paribas
UkraineUkrsibbank
Germany, SpainDeutsche Bank
UK and GibraltarBarclays Bank
USABank of America
ChinaBank of Nanjing
Singapore POSB
Hong Kong, Singapore, Taiwan DBS
Indonesia, Malaysia CIMB
Canada, Chile, Guyana, Mexico, Peru

Caribbean - Antigua & Barbuda, Bahamas, Barbados, Cayman Islands, Jamaica, Trinidad & Tobago, Turks & Caicos and the US Virgin Islands.

Scotiabank

Westpac Australia foreign transaction fee

A holder of a Westpac Australia "everyday bank account" or "savings account" may incur a foreign transaction fee equal to 3 percent of the Australian dollars transaction amount when making a debit or credit card withdrawal at an ATM outside Australia. This fee is composed of the 2 percent Westpac processing fee and the 1 percent Westpac on-charged scheme fee. [8] This fee is not waived when using an ATM of the Global ATM Alliance. [5]

Westpac New Zealand account holders

For Westpac's New Zealand account holders, using a Global ATM Alliance ATM means Westpac will waive its NZ$3 international transaction fee that would be charged at other overseas ATMs. All other fees apply, including a 1.95% foreign currency conversion fee.

The list of countries covered by the Global ATM Alliance fee waiver differs for Westpac NZ clients from that for Westpac Australia clients. Singapore, Hong Kong, Malaysia, Indonesia, Taiwan and China are not listed as included in the scheme on the Westpac NZ website. [9]

Barclays account holders

A customer can withdraw cash from a Barclays account from a cash machine in the Global Alliance without transaction charges. If the customer uses a cash machine that isn't in the Global Alliance or use a Barclaycard, additional charges apply.
For Barclays account holders:

Coverage AreaBank Name
AustraliaWestpac Bank
CanadaScotiabank
FranceBNP Paribas
GermanyDeutsche Bank
GuatemalaScotiabank
MexicoScotiabank
New ZealandWestpac Bank
Pacific IslandsWestpac Bank
UkraineUkrsibbank
United StatesBank of America
Great Britain, WorldwideBarclays

BNP Paribas account holders

Consorsbank (Germany) customers are eligible for free cash withdrawals from ATMs operated by:

Deutsche Bank account holders

For Deutsche Bank account holders:

Coverage AreaBank Name
Germany and worldwideDeutsche Bank
United StatesBank of America
Great Britain, Ghana, Kenya, Mauritius, Tanzania, ZimbabweBarclays
LuxembourgBGL BNP Paribas
FranceBNP Paribas
Canada, ChileScotiabank
Australia, New ZealandWestpac Bank

Scotiabank account holders

Scotiabank customers can find a partner ATM, avoid surcharges and save on access fees. The Scotiabank website includes a list of countries and partner institutions where the fee will be waived. Also, the Scotiabank Mobile Banking app has an ATM locator to help customers find the nearest partner ATM, only for national ATMs. [10]

Tangerine account holders

Tangerine will waive the international ABM access fee and Global ATM Alliance members will waive any terminal convenience or usage fees for any withdrawal transactions performed at Global ATM Alliance machines with a Tangerine client card. "Free access" does not apply to Scotiabank ABMs in Costa Rica, Haiti, Panama or Uruguay. [11] [12]

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References

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  3. "BNP Paribas: an international bank serving local clients - BNP Paribas". www.bnpparibas.com. Archived from the original on 22 December 2015. Retrieved 19 December 2015.
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  7. "Bank of America Financial Centers and ATMs". Bank of America. Archived from the original on 19 December 2018. Retrieved 19 December 2018.
  8. 1 2 "Deposit accounts for personal and self-managed superannuation fund customers" (PDF). Westpac Banking Corporation. 8 April 2017. pp. 36, 38. Archived (PDF) from the original on 29 December 2009. Retrieved 7 May 2017.
  9. "Global ATM Alliance | International & Migrant - Westpac NZ". www.westpac.co.nz. Archived from the original on 29 January 2018. Retrieved 26 April 2018.
  10. "Global ATM Alliance". www.scotiabank.com.
  11. "Tangerine Bank: ABM Locator". tangerine.ca. Archived from the original on 2 August 2016. Retrieved 9 March 2017.
  12. "Tangerine Bank Fair Fees Schedule" (PDF). tangerine.ca. Archived (PDF) from the original on 11 November 2020. Retrieved 3 October 2019.