🇦🇺 This is the brand hub for ANZ in Australia. For the bigger picture on Australian Big Four fees, the 2017 reform, the Westpac BoA Alliance angle, and the Cuscal/atmx standalone trap, see the Australia Money Guide. For exact branch addresses, see the Sydney ATM Guide and the Melbourne ATM Guide. For card-acceptance and transit, see the Sydney Money Guide or Melbourne Money Guide. For the alternative high-street brand, the CommBank guide.
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Order AUD → CEI Currency ExchangeWhat ANZ is, in one paragraph
The Australia and New Zealand Banking Group (ANZ) is one of the four major Australian banks and the most internationally-diversified of the Big Four. The bank traces its origins to the Bank of Australasia, founded in London in 1835 with a charter from the British Crown to provide commercial banking services to the Australasian colonies. The modern ANZ is the result of a 1970 merger between the Australia and New Zealand Bank (itself a 1951 merger of the Bank of Australasia and the Union Bank of Australia) and the English, Scottish & Australian Bank. The Sydney head office is at 20 Martin Place and the Melbourne head office is at 100 Queen Street; the latter houses the formal corporate headquarters. As of 2026, ANZ operates roughly 700 Australian branches plus the largest trans-Tasman footprint of any Big Four (ANZ New Zealand is one of the four largest NZ banks), plus a substantial Asia-Pacific presence in Fiji, Solomon Islands, Vanuatu, Papua New Guinea, Indonesia, Vietnam, and the Cook Islands. For US travelers, none of the international footprint matters at the ATM: ANZ is a Big Four Australian bank with zero foreign-card operator fee since the 2017 sector-wide reform.
What ANZ charges foreign cards
| Fee component | Amount | Paid to |
|---|---|---|
| ANZ operator fee (foreign card) | A$0 | ANZ abolished operator fees in 2017 |
| Exchange rate | Mid-market (interbank) | Visa or Mastercard network |
| Visa / Mastercard network fee | ~1% | Card network, baked into total |
| Your home bank's foreign ATM fee | $2-5 | Your home bank, unless waived (Schwab, Wise) |
| Your home bank's FX conversion fee | 1-3% | Your home bank, unless 0% FX card |
| DCC markup (if accepted) | +4-12% | Always decline. ANZ ATMs occasionally surface DCC; pick AUD every time. |
Real ANZ cashpoints are dark blue with the blue lozenge mark.
The trans-Tasman angle: why ANZ is the right pick for Australia-plus-NZ itineraries
ANZ operates a major retail bank in New Zealand (ANZ New Zealand) as a separate-but-coordinated entity. Both the Australian and New Zealand sides charge zero operator fee on Big Four cashpoints (NZ followed Australia's 2017 reform in 2018). For US travelers doing an Australia-plus-NZ itinerary, ANZ provides a brand-consistent experience: same logo, same screen flow, same zero fee on both sides of the Tasman. The Asia-Pacific reach (Fiji, Solomon Islands, Vanuatu, Papua New Guinea, Indonesia, Vietnam, Cook Islands) is largely commercial-banking-focused and not directly useful for retail tourists.
BoA customers continuing to New Zealand should note that the BoA Global ATM Alliance does not extend to ANZ New Zealand. The NZ partner is also Westpac (Westpac NZ specifically). For NZ-side BoA Alliance withdrawals, use Westpac NZ.
Where to find ANZ by city
Highlights:
20 Martin Place flagship
ANZ's most-recognised Australian branch and a Sydney CBD landmark. The Martin Place flagship has a 24-hour ATM vestibule with multiple machines. Covered in the Sydney ATM Guide.
100 Queen Street head office
The formal ANZ corporate head office is at 100 Queen Street, Melbourne. Plus flagship branches at 25 Collins and across the CBD. Covered in the Melbourne ATM Guide.
Surry Hills, Newtown, Bondi
ANZ on Crown Street in Surry Hills, King Street Newtown, Bondi Road. Strong inner-east-Sydney coverage.
Fitzroy, Richmond, Brunswick
ANZ on Brunswick Street, Bridge Road Richmond, and Sydney Road Brunswick. Useful for the inner-north cafe and brewery strip; avoid the heritage-pub Cuscal standalones in the same neighborhoods.
Queen Street Mall
ANZ on Queen Street Mall in central Brisbane. Useful for Queensland itineraries.
ANZ flagships on St Georges Terrace (Perth), King William Street (Adelaide), and Elizabeth Street (Hobart). Same zero operator fee structure across every state and territory.
SYD, MEL, BNE, PER, ADL
ANZ ATMs in landside arrivals at every major Australian airport. Zero operator fee on foreign cards. See the SYD airport guide.
ANZ NZ trans-Tasman coverage
ANZ New Zealand operates roughly 130 branches across NZ with zero operator fee on foreign cards (matching the Australian structure since 2018). Useful for travelers continuing across the Tasman.
ANZ vs CommBank: the actual decision
| ANZ | CommBank | |
|---|---|---|
| Foreign-card operator fee | A$0 | A$0 |
| BoA Global ATM Alliance partner | No (Westpac holds that role) | No (Westpac holds that role) |
| Australian branch count | ~700 | ~950 (largest) |
| Trans-Tasman (NZ) coverage | ANZ NZ (~130 NZ branches) | ASB Bank subsidiary (~110 NZ branches) |
| Asia-Pacific coverage | Broadest (Fiji, PNG, Vanuatu, Solomons, Indonesia, Vietnam, Cook Islands) | Indonesia, Vietnam |
| Sydney Martin Place density | 20 Martin Place flagship | Strong (Harrington Street head office) |
| Melbourne CBD density | 100 Queen head office, 25 Collins | 385 Bourke head office |
Decision tree: for BoA customers, neither is the Alliance pick; default to Westpac. For every other US card, ANZ and CommBank are cost-equivalent. ANZ wins on trans-Tasman/Asia-Pacific reach. CommBank wins on Australian branch count and customer base.
Best card pairing with ANZ
Wise + ANZ for trans-Tasman itineraries
ANZ Australia and ANZ New Zealand both charge zero operator fee on foreign cards. Wise paired with ANZ for an Australia-plus-NZ trip gives brand-consistent screen experience and effective free withdrawals on both sides of the Tasman.
Get the Wise Card →Bank of America debit (use Westpac instead for Alliance)
BoA debit customers get the Global ATM Alliance waiver at Westpac, not at ANZ. The ANZ-side zero is preserved but BoA's 3 percent surcharge still applies.
Charles Schwab Investor Checking
Schwab refunds operator fees on standalone Cuscal/atmx machines and adds zero foreign-transaction fee. Combined with ANZ's zero, Schwab+ANZ is effectively a free Australian withdrawal with bonus NZ coverage on the trans-Tasman extension.
About ANZ: useful context
ANZ's lineage runs back to the Bank of Australasia, chartered by the British Crown in 1835 to provide commercial banking to the Australasian colonies, and the Union Bank of Australia (1837). These two merged in 1951 to form the Australia and New Zealand Bank, which then merged with the English, Scottish & Australian Bank in 1970 to form the modern Australia and New Zealand Banking Group. The 1970 merger created what was then the largest Australian bank by assets.
ANZ's modern identity is built around international diversification. The bank operates as one of the four largest New Zealand banks (ANZ New Zealand) and maintains substantial commercial and retail operations across the Asia-Pacific, particularly in Fiji, Papua New Guinea, the Solomon Islands, Vanuatu, the Cook Islands, Indonesia, and Vietnam. The Asia-Pacific footprint is the broadest of any Australian bank and reflects the bank's historic role as a commercial financier of regional trade.
For travelers, none of the institutional history matters at the ATM. The ANZ machine looks dark blue with the blue lozenge mark, displays the AUD amount with the zero operator fee disclosed, accepts your card, and dispenses cash up to the per-transaction limit.
Frequently Asked Questions
How much does ANZ charge foreign cards at ATMs?
Zero operator fee on every ANZ-branded ATM in Australia, including foreign cards. ANZ abolished ATM operator fees in 2017 as part of the broader Australian Big Four reform. Your only cost is whatever your home bank charges as a foreign-transaction fee.
Is ANZ in the Global ATM Alliance?
No. The Australian partner in the Bank of America Global ATM Alliance is Westpac, not ANZ. BoA debit cards at ANZ still get the zero Australian-side operator fee but pay the BoA-side 3 percent surcharge.
Where is the densest ANZ coverage?
ANZ operates roughly 700 Australian branches with the densest urban presence at Sydney's 20 Martin Place and Melbourne's 100 Queen Street (head office). ANZ has the strongest trans-Tasman footprint of any Big Four plus a regional Asia-Pacific presence in Fiji, Solomon Islands, Vanuatu, PNG, Indonesia, Vietnam, Cook Islands.
Should I use ANZ or CommBank?
Both charge zero operator fee since 2017. For BoA customers, neither is the Alliance pick; default to Westpac. ANZ wins on Sydney Martin Place density and trans-Tasman/Asia-Pacific coverage. CommBank has the broadest Australian branch count.
Will my US debit card work at ANZ ATMs?
Yes, as long as it carries a Visa, Mastercard, Plus, or Cirrus logo. ANZ accepts all four. Most US banks no longer require a travel notice for Australia.
Does my Australian ANZ card work fee-free at ANZ NZ ATMs?
For Australian-domiciled customers withdrawing at ANZ NZ ATMs: yes, ANZ Group treats the Australian-NZ Tasman withdrawal as a same-group transaction with no operator fee, though the cross-Tasman FX conversion still applies. The reverse is also true (ANZ NZ customer at Australian ANZ ATMs). For foreign cards, the standard zero operator fee applies on both sides.
What is the ANZ logo I should look for?
Dark blue background with the blue lozenge mark (a stylised letter shape) and the "ANZ" wordmark in white. Consistent across Australia, New Zealand, and the Pacific.
The ANZ + Wise Combo
~700 ANZ branches in Australia plus ~130 in NZ, zero operator fee, plus Wise zero FX markup.
Get the Wise Card →