Global ATM Alliance

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 include Australasia, Asia, Europe, Africa, North America, and South America.

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 Barclay's in other countries.

• Bank of America (United States)
• Barclay's (United Kingdom, Spain, Portugal, Pakistan, Gibraltar, Ghana, Kenya, South Africa, and other countries in Africa)
  • Barclays Africa Group (South Africa)
• BNP Paribas and its affiliate banks (France, Ukraine, Turkey, Poland, Morocco, Italy, New Caledonia, Réunion, Guyane, Guadeloupe, Martinique, and Luxembourg^[1][2])
• Banca Nazionale del Lavoro (Italy)
• Deutsche Bank (Germany, Poland, Belgium, India, Spain, and Portugal)
• Scotiabank (Canada, Mexico, Chile, Peru, Guyana, and the Caribbean)
• Westpac (Australia, New Zealand, Fiji, Vanuatu, Cook Islands, Samoa, Tonga, Papua New Guinea, and Solomon Islands)
  • Westpac Banking Corporation (Australia, Fiji, Cook Islands, Solomon Islands, and Vanuatu)
  • Westpac New Zealand Limited (New Zealand)
  • Westpac Bank - PNG - Limited (Papua New Guinea)
  • Westpac Bank Samoa Limited (Samoa)
  • Westpac Bank of Tonga (Tonga)

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:^[3]

• The 3 percent "international transaction fee" for converting currencies. This fee is not waived under the Global ATM Alliance.
• The "non-Bank of America usage fee" for each withdrawal, transfer, or balance inquiry at non-Bank of America ATMs outside the United States. This fee is waived under the Global ATM Alliance within the following coverage areas.
• The "ATM operator access fee". This fee is waived under the Global ATM Alliance within the following coverage areas.

Westpac Bank account holders

Westpac cash withdrawal fee

A holder of a Westpac "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^[5] in the following countries:

Westpac foreign transaction fee

A holder of a Westpac "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.^[5] This fee is not waived when using an ATM of the Global ATM Alliance.^[6]

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:

BNP Paribas account holders

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

- Bank of America (USA) - BNP Paribas (France) - BNL Banca Nazionale Del Lavoro (Italy) - Barclays United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands) - Deutsche Bank (including in Portugal) - Scotiabank (Canada and the Caribbean) - Westpac Bank (Australia, New Zealand, Fiji, Cook Islands, Papua New-Guinea, Samoa, Tonga, Vanuatu, Solomon Islands) - UKRSIBBank (Ukraine)

Deutsche Bank account holders

For Deutsche Bank account holders:

Scotiabank account holders

Similar to Bank of America, Scotiabank only waives the ATM fee at partner institutions for certain countries. The Scotiabank website includes a table with a column title "Going to" and a column title "Use this ABM".^[7] The specific combination of each country and each bank are the only ATMs where the fee will be waived. For instance, for BNP Paribas, the fees will only be waived in France and some French overseas departments and territories, but not BNP Paribas locations in Italy, Belgium and Luxembourg.

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.^[8][9]

External links

• Bank of America
  • Bank of America ATM and Banking Center Locator
  • Bank of America Schedule of Fees - June 5, 2009
  • Bank of America Schedule of Fees - California - June 5, 2009
• Westpac
  • Westpac - Accessing your accounts overseas
  • Westpac Terms and Conditions - Deposit Accounts for Personal Customers - 1st June 2009
  • Westpac Media Release: Global ATM Alliance
• Scotiabank
  • Scotiabank - Global ATM Alliance
• Five big banks form Global ATM Alliance
  • French bank joins new Global ATM Alliance
• BNP Paribas joins global ATM alliance
• UkrSibbank- Global ATM alliance
• BNL d'Italia Bank Locator

References