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 Global ATM 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 cover Australasia, Asia, Europe, Africa, North America and South America.

Participating banks are as follows (however note that some banks, e.g., Bank of America, will only honor ATM reciprocity in one country for certain banks, e.g., fees will not be charged for Barclays branches in the UK or Deutsche Bank branches in Germany, but fees are charged for branches of those banks in other countries, see "Coverage Areas" below):

• Bank of America (United States)
• Barclays (United Kingdom, France, Spain, Portugal, Pakistan, Gibraltar, Ghana, Kenya, South Africa, and other countries in Africa)
  • Barclays Africa (South Africa)
• BNP Paribas and its affiliate banks (France, Ukraine, Turkey, Morocco, Italy, New Caledonia, Réunion, Guyane, Guadeloupe, Martinique and Luxembourg)
• 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 two separate fees that may apply to Bank of America account holders using their ATM card or debit/check card in a foreign country:

• The 3% International Transaction Fee/Foreign Currency Fee - not waived under the Global ATM Alliance.
• The US$5 Non-Bank of America International ATM Fee - for transactions at non-Bank of America ATMs in a foreign country (also called the International ATM (Access) Fee) - waived under the Global ATM Alliance within specified coverage areas:

Coverage Area	Global ATM Alliance Bank
United Kingdom, including: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands.	Barclays
South Africa	Barclays Africa (formerly ABSA)
France	BNP Paribas
Italy	BNL
Germany, Spain	Deutsche Bank
Canada, Chile, Peru, and the Caribbean. Caribbean countries include: Anguilla, Antigua & Barbuda, Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Sint Maarten, Puerto Rico, Saint Kitts-Nevis, Saint Lucia, Saint Vincent & the Grenadines, Trinidad & Tobago, Turks & Caicos Islands, US Virgin Islands.	Scotiabank
Australia and New Zealand	Westpac Bank
Ukraine	UkrSibbank
Turkey	TEB Turkish Economy Bank

Additional banks

In addition to the Global ATM Alliance banks in the coverage areas listed above, Bank of America has arrangements for Bank of America account holders to be able to use their ATM cards or debit/check cards in China at Alliance member Scotiabank and in Mexico at Banco Santander with no ATM Operator Fees or Non-Bank of America International ATM Fees (aka International ATM Access Fee).

Otherwise, when using an ATM card or debit/check card in a foreign country at a non-Bank of America ATM outside of the Global ATM Alliance or Banco Santander, Bank of America may charge its account holders a non-Bank of America International ATM Fee (aka International ATM Access Fee) of US$5 for each withdrawal, transfer, or balance inquiry.

Bank of America International Transaction Fee

For transactions in currencies other than U.S. dollars when using a Bank of America ATM card or debit/check card, Bank of America may charge its account holders an International Transaction Fee (Foreign Currency Conversion Fee) for purchases or ATM cash withdrawals regardless of whether the transaction occurs within the Global ATM Alliance or outside the Global ATM Alliance. For each ATM cash withdrawal, this International Transaction Fee is 3% of the U.S. dollar amount (as of November 8, 2013), and for each purchase, this International Transaction Fee is 3% of the U.S. dollar amount. This fee appears as a separate item on the Bank of America account holder's banking statement for each international transaction.

Westpac Bank account holders

When withdrawing cash from Westpac savings or transaction accounts at overseas ATMs, the usual Overseas ATM Cash Withdrawal Fee of A$5/NZ$8 is waived at ATMs of participating Global ATM Alliance partners in the following countries:

Country/Territory	MasterCard/Cirrus ATM network
Australia and New Zealand	Westpac
Fiji, Vanuatu, Cook Islands, Samoa, Tonga, PNG, Solomon Islands	Westpac Pacific Banking
France	BNP Paribas, Ukrsibbank - Private Bank Group
Germany, Spain, Italy, Poland	Deutsche Bank
Botswana, France, Ghana, Gibraltar, Kenya, Mauritius, Pakistan, Portugal, the Seychelles, Spain, Tanzania, Uganda, United Kingdom, Zambia, Zimbabwe (Zimbabwe dollar transactions are suspended per Reserve Bank directive)	Barclays Bank
South Africa	Barclays Africa (formerly ABSA)
USA	Bank of America
Canada, Mexico, Chile, Peru, Guyana and the Caribbean. Caribbean countries include: Anguilla, Antigua & Barbuda, Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Netherlands Antilles (St Maarten), St Kitts-Nevis, St Vincent & the Grenadines, Trinidad & Tobago, Turks & Caicos and the US Virgin Islands.	Scotiabank
Ukraine	Ukrsibbank - Private Bank

For Westpac savings or transaction accounts, withdrawals in a foreign country using ATMs not listed above incur the A$5 Overseas ATM Cash Withdrawal Fee.

Westpac Foreign Transaction Fee

Westpac account holders may incur a Westpac Foreign Transaction Fee (aka Foreign Currency Conversion Fee) of between 2.2% and 3% that is incorporated into the A$ transaction amount shown on the account holder’s banking statement for transactions that occur in a foreign currency. A fee of 3% of the A$ transaction amount is incurred where a transaction is made in a foreign currency and the merchant or financial institution accepting the card is located outside of Australia (consisting of a 2% Westpac Processing Fee plus a 1% Westpac On-Charged Scheme Fee). A fee 2.2% of the A$ transaction amount is incurred where a transaction is made in a foreign currency and the merchant or financial institution accepting the card is located in Australia (consisting of a 2% Westpac Processing Fee plus a Westpac On-Charged Scheme Fee of 0.2%).

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 Area	Bank Name
Australia	Westpac Bank
Canada	Scotiabank
France	BNP Paribas
Germany	Deutsche Bank
Guatemala	Scotiabank
Mexico	Scotiabank
New Zealand	Westpac Bank
Pacific Islands	Westpac Bank
South Africa	Barclays Africa (formerly ABSA)
Ukraine	UkrSibbank
United States	Bank of America
Great Britain, Worldwide	Barclays

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:

Coverage Area	Bank Name
Germany and worldwide	Deutsche Bank
United States	Bank of America
Great Britain, Ghana, Kenya, Mauritius, Tanzania, Zimbabwe	Barclays
France	BNP Paribas
Canada, Chile	Scotiabank
Australia, New Zealand	Westpac Bank

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". 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 waived in Italy, Belgium, and Luxembourg where BNP Paribas also operates.

External links

• Bank of America
  • Bank of America: FAQs: ATMs and ATM Fees
    (Note: scroll down to the section "Using your ATM card or debit card in foreign countries" and click on the question "What is the Global ATM Alliance?")
  • 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