Withdraw cash in New Zealand without ATM fees
Preview Only ANZ (fee), BNZ and Westpac (free) are rated so far. The other ATMs are marked “?”.
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| WestpacNo fee for foreign cards according to two reports. | free | 199 | medium |
| BNZNo fee for foreign cards according to two reports. | free | 168 | medium |
| ANZFee for foreign cards, NZD 3–5. | NZD 3–5 | 241 | medium |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | NZD 3.87–9.89 | 2 | medium |
| Bank ATMs (default) | unclear | 378 | – |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 62 | – |
ATMs in popular places
FAQ
Can you withdraw cash for free in New Zealand?
It depends on the bank. In New Zealand, some bank ATMs are free and others charge a fee. ASB, Kiwibank and independent ATMs are not sufficiently documented.
Which ATMs are free in New Zealand?
According to our sources, no operator fee at: BNZ, Westpac. The map marks 367 ATMs with no known fee.
Should I pay in NZD or in my home currency?
If the ATM offers to charge you in your home currency, always choose NZD (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How do I avoid ATM fees in New Zealand?
Fees are charged mainly by: ANZ (NZD 3–5), Euronet / independent operator (NZD 3.87–9.89). The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Avoid Euronet and other independent operators, especially at airports and in tourist areas. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
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