Global ATM Alliance

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]

• 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.

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]

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:

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]

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 2.5% 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]

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:

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

• Bank of America (USA)
• BNP Paribas (France, Poland)
• BGL BNP Paribas (Luxembourg)
• 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)

For Deutsche Bank 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 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]