Global ATM Alliance
Encyclopedia
The Global ATM Alliance is a joint venture of several major international banks that allows customers of their banks to use their ATM
card or debit card
at another bank within the Global ATM Alliance with no International ATM Access fees. However, 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 for one country per bank, 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):
The Non-Bank of America International ATM Fee is waived for account holders using their ATM card or debit/check card at ATMs in the Global ATM Alliance within specified coverage areas:
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 China Construction Bank ATMs (China Construction Bank ATMs in Hong Kong excluded) 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, China Construction Bank, 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, and balance inquiry.
For Westpac savings or transaction accounts, withdrawals in a foreign country using ATMs not listed above incur the AU$5 Overseas ATM Cash Withdrawal Fee.
For Barclays account holders:
Scotiabank - Global ATM Alliance
Automated teller machine
An automated teller machine or automatic teller machine, also known as a Cashpoint , cash machine or sometimes a hole in the wall in British English, is a computerised telecommunications device that provides the clients of a financial institution with access to financial transactions in a public...
card or debit card
Debit card
A debit card is a plastic card that provides the cardholder electronic access to his or her bank account/s at a financial institution...
at another bank within the Global ATM Alliance with no International ATM Access fees. However, other fees, such as an international transaction or foreign currency fee, may still apply for some account holders. Participating banks cover Australasia
Australasia
Australasia is a region of Oceania comprising Australia, New Zealand, the island of New Guinea, and neighbouring islands in the Pacific Ocean. The term was coined by Charles de Brosses in Histoire des navigations aux terres australes...
, Asia
Asia
Asia is the world's largest and most populous continent, located primarily in the eastern and northern hemispheres. It covers 8.7% of the Earth's total surface area and with approximately 3.879 billion people, it hosts 60% of the world's current human population...
, Europe
Europe
Europe is, by convention, one of the world's seven continents. Comprising the westernmost peninsula of Eurasia, Europe is generally 'divided' from Asia to its east by the watershed divides of the Ural and Caucasus Mountains, the Ural River, the Caspian and Black Seas, and the waterways connecting...
, Africa
Africa
Africa is the world's second largest and second most populous continent, after Asia. At about 30.2 million km² including adjacent islands, it covers 6% of the Earth's total surface area and 20.4% of the total land area...
, North America
North America
North America is a continent wholly within the Northern Hemisphere and almost wholly within the Western Hemisphere. It is also considered a northern subcontinent of the Americas...
and South America
South America
South America is a continent situated in the Western Hemisphere, mostly in the Southern Hemisphere, with a relatively small portion in the Northern Hemisphere. The continent is also considered a subcontinent of the Americas. It is bordered on the west by the Pacific Ocean and on the north and east...
.
Participating banks are as follows (however note that some banks, e.g. Bank of America, will only honor ATM reciprocity for one country per bank, 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 AmericaBank of AmericaBank of America Corporation, an American multinational banking and financial services corporation, is the second largest bank holding company in the United States by assets, and the fourth largest bank in the U.S. by market capitalization. The bank is headquartered in Charlotte, North Carolina...
(United StatesUnited StatesThe United States of America is a federal constitutional republic comprising fifty states and a federal district...
) - Barclays (United KingdomUnited KingdomThe United Kingdom of Great Britain and Northern IrelandIn the United Kingdom and Dependencies, other languages have been officially recognised as legitimate autochthonous languages under the European Charter for Regional or Minority Languages...
, FranceFranceThe French Republic , The French Republic , The French Republic , (commonly known as France , is a unitary semi-presidential republic in Western Europe with several overseas territories and islands located on other continents and in the Indian, Pacific, and Atlantic oceans. Metropolitan France...
, SpainSpainSpain , officially the Kingdom of Spain languages]] under the European Charter for Regional or Minority Languages. In each of these, Spain's official name is as follows:;;;;;;), is a country and member state of the European Union located in southwestern Europe on the Iberian Peninsula...
, PortugalPortugalPortugal , officially the Portuguese Republic is a country situated in southwestern Europe on the Iberian Peninsula. Portugal is the westernmost country of Europe, and is bordered by the Atlantic Ocean to the West and South and by Spain to the North and East. The Atlantic archipelagos of the...
, PakistanPakistanPakistan , officially the Islamic Republic of Pakistan is a sovereign state in South Asia. It has a coastline along the Arabian Sea and the Gulf of Oman in the south and is bordered by Afghanistan and Iran in the west, India in the east and China in the far northeast. In the north, Tajikistan...
, GibraltarGibraltarGibraltar is a British overseas territory located on the southern end of the Iberian Peninsula at the entrance of the Mediterranean. A peninsula with an area of , it has a northern border with Andalusia, Spain. The Rock of Gibraltar is the major landmark of the region...
, GhanaGhanaGhana , officially the Republic of Ghana, is a country located in West Africa. It is bordered by Côte d'Ivoire to the west, Burkina Faso to the north, Togo to the east, and the Gulf of Guinea to the south...
, KenyaKenyaKenya , officially known as the Republic of Kenya, is a country in East Africa that lies on the equator, with the Indian Ocean to its south-east...
, and other countries in AfricaAfricaAfrica is the world's second largest and second most populous continent, after Asia. At about 30.2 million km² including adjacent islands, it covers 6% of the Earth's total surface area and 20.4% of the total land area...
) - BNP ParibasBNP ParibasBNP Paribas S.A. is a global banking group, headquartered in Paris, with its second global headquarters in London. In October 2010 BNP Paribas was ranked by Bloomberg and Forbes as the largest bank and largest company in the world by assets with over $3.1 trillion. It was formed through the merger...
(FranceFranceThe French Republic , The French Republic , The French Republic , (commonly known as France , is a unitary semi-presidential republic in Western Europe with several overseas territories and islands located on other continents and in the Indian, Pacific, and Atlantic oceans. Metropolitan France...
) - Deutsche BankDeutsche BankDeutsche Bank AG is a global financial service company with its headquarters in Frankfurt, Germany. It employs more than 100,000 people in over 70 countries, and has a large presence in Europe, the Americas, Asia Pacific and the emerging markets...
(GermanyGermanyGermany , officially the Federal Republic of Germany , is a federal parliamentary republic in Europe. The country consists of 16 states while the capital and largest city is Berlin. Germany covers an area of 357,021 km2 and has a largely temperate seasonal climate...
, PolandPolandPoland , officially the Republic of Poland , is a country in Central Europe bordered by Germany to the west; the Czech Republic and Slovakia to the south; Ukraine, Belarus and Lithuania to the east; and the Baltic Sea and Kaliningrad Oblast, a Russian exclave, to the north...
, BelgiumBelgiumBelgium , officially the Kingdom of Belgium, is a federal state in Western Europe. It is a founding member of the European Union and hosts the EU's headquarters, and those of several other major international organisations such as NATO.Belgium is also a member of, or affiliated to, many...
, IndiaIndiaIndia , officially the Republic of India , is a country in South Asia. It is the seventh-largest country by geographical area, the second-most populous country with over 1.2 billion people, and the most populous democracy in the world...
, SpainSpainSpain , officially the Kingdom of Spain languages]] under the European Charter for Regional or Minority Languages. In each of these, Spain's official name is as follows:;;;;;;), is a country and member state of the European Union located in southwestern Europe on the Iberian Peninsula...
, PortugalPortugalPortugal , officially the Portuguese Republic is a country situated in southwestern Europe on the Iberian Peninsula. Portugal is the westernmost country of Europe, and is bordered by the Atlantic Ocean to the West and South and by Spain to the North and East. The Atlantic archipelagos of the...
and ItalyItalyItaly , officially the Italian Republic languages]] under the European Charter for Regional or Minority Languages. In each of these, Italy's official name is as follows:;;;;;;;;), is a unitary parliamentary republic in South-Central Europe. To the north it borders France, Switzerland, Austria and...
) - ScotiabankScotiabankThe Bank of Nova Scotia , commonly known as Scotiabank , is the third largest bank in Canada by deposits and market capitalization. It serves some 18.6 million customers in more than 50 countries around the world and offers a broad range of products and services including personal, commercial,...
(CanadaCanadaCanada is a North American country consisting of ten provinces and three territories. Located in the northern part of the continent, it extends from the Atlantic Ocean in the east to the Pacific Ocean in the west, and northward into the Arctic Ocean...
, CaribbeanCaribbeanThe Caribbean is a crescent-shaped group of islands more than 2,000 miles long separating the Gulf of Mexico and the Caribbean Sea, to the west and south, from the Atlantic Ocean, to the east and north...
, PeruPeruPeru , officially the Republic of Peru , is a country in western South America. It is bordered on the north by Ecuador and Colombia, on the east by Brazil, on the southeast by Bolivia, on the south by Chile, and on the west by the Pacific Ocean....
, ChileChileChile ,officially the Republic of Chile , is a country in South America occupying a long, narrow coastal strip between the Andes mountains to the east and the Pacific Ocean to the west. It borders Peru to the north, Bolivia to the northeast, Argentina to the east, and the Drake Passage in the far...
and MexicoMexicoThe United Mexican States , commonly known as Mexico , is a federal constitutional republic in North America. It is bordered on the north by the United States; on the south and west by the Pacific Ocean; on the southeast by Guatemala, Belize, and the Caribbean Sea; and on the east by the Gulf of...
) - WestpacWestpacWestpac , is a multinational financial services, one of the Australian "big four" banks and the second-largest bank in New Zealand....
(AustraliaAustraliaAustralia , officially the Commonwealth of Australia, is a country in the Southern Hemisphere comprising the mainland of the Australian continent, the island of Tasmania, and numerous smaller islands in the Indian and Pacific Oceans. It is the world's sixth-largest country by total area...
, New ZealandNew ZealandNew Zealand is an island country in the south-western Pacific Ocean comprising two main landmasses and numerous smaller islands. The country is situated some east of Australia across the Tasman Sea, and roughly south of the Pacific island nations of New Caledonia, Fiji, and Tonga...
, FijiFijiFiji , officially the Republic of Fiji , is an island nation in Melanesia in the South Pacific Ocean about northeast of New Zealand's North Island...
, VanuatuVanuatuVanuatu , officially the Republic of Vanuatu , is an island nation located in the South Pacific Ocean. The archipelago, which is of volcanic origin, is some east of northern Australia, northeast of New Caledonia, west of Fiji, and southeast of the Solomon Islands, near New Guinea.Vanuatu was...
, Cook IslandsCook IslandsThe Cook Islands is a self-governing parliamentary democracy in the South Pacific Ocean in free association with New Zealand...
, SamoaSamoaSamoa , officially the Independent State of Samoa, formerly known as Western Samoa is a country encompassing the western part of the Samoan Islands in the South Pacific Ocean. It became independent from New Zealand in 1962. The two main islands of Samoa are Upolu and one of the biggest islands in...
, TongaTongaTonga, officially the Kingdom of Tonga , is a state and an archipelago in the South Pacific Ocean, comprising 176 islands scattered over of ocean in the South Pacific...
, Papua New GuineaPapua New GuineaPapua New Guinea , officially the Independent State of Papua New Guinea, is a country in Oceania, occupying the eastern half of the island of New Guinea and numerous offshore islands...
and Solomon IslandsSolomon IslandsSolomon Islands is a sovereign state in Oceania, east of Papua New Guinea, consisting of nearly one thousand islands. It covers a land mass of . The capital, Honiara, is located on the island of Guadalcanal...
)- Westpac Banking Corporation (AustraliaAustraliaAustralia , officially the Commonwealth of Australia, is a country in the Southern Hemisphere comprising the mainland of the Australian continent, the island of Tasmania, and numerous smaller islands in the Indian and Pacific Oceans. It is the world's sixth-largest country by total area...
, FijiFijiFiji , officially the Republic of Fiji , is an island nation in Melanesia in the South Pacific Ocean about northeast of New Zealand's North Island...
, Cook IslandsCook IslandsThe Cook Islands is a self-governing parliamentary democracy in the South Pacific Ocean in free association with New Zealand...
, Solomon IslandsSolomon IslandsSolomon Islands is a sovereign state in Oceania, east of Papua New Guinea, consisting of nearly one thousand islands. It covers a land mass of . The capital, Honiara, is located on the island of Guadalcanal...
, and VanuatuVanuatuVanuatu , officially the Republic of Vanuatu , is an island nation located in the South Pacific Ocean. The archipelago, which is of volcanic origin, is some east of northern Australia, northeast of New Caledonia, west of Fiji, and southeast of the Solomon Islands, near New Guinea.Vanuatu was...
) - Westpac New Zealand Limited (New ZealandNew ZealandNew Zealand is an island country in the south-western Pacific Ocean comprising two main landmasses and numerous smaller islands. The country is situated some east of Australia across the Tasman Sea, and roughly south of the Pacific island nations of New Caledonia, Fiji, and Tonga...
) - Westpac Bank - PNG - Limited (Papua New GuineaPapua New GuineaPapua New Guinea , officially the Independent State of Papua New Guinea, is a country in Oceania, occupying the eastern half of the island of New Guinea and numerous offshore islands...
) - Westpac Bank Samoa Limited (SamoaSamoaSamoa , officially the Independent State of Samoa, formerly known as Western Samoa is a country encompassing the western part of the Samoan Islands in the South Pacific Ocean. It became independent from New Zealand in 1962. The two main islands of Samoa are Upolu and one of the biggest islands in...
) - Westpac Bank of Tonga (TongaTongaTonga, officially the Kingdom of Tonga , is a state and an archipelago in the South Pacific Ocean, comprising 176 islands scattered over of ocean in the South Pacific...
)
- Westpac Banking Corporation (Australia
- ABSAABSAABSA may refer to:* ABSA Cargo Airline, a cargo airline* Absa Group Limited, the largest consumer bank in South Africa* African Baseball & Softball Association* Australian Bird Study Association, an ornithological organization...
(South AfricaSouth AfricaThe Republic of South Africa is a country in southern Africa. Located at the southern tip of Africa, it is divided into nine provinces, with of coastline on the Atlantic and Indian oceans...
) - UkrSibbankUkrSibbank«UkrSibbank» - full name Public joint-stock company “UkrSibbank”. It was registered on June 18, 1990. As of today, JSC «UkrSibbank» is the third largest bank of Ukraine, the second among foreign-owned banks, and acts as a financial supermarket....
(UkraineUkraineUkraine is a country in Eastern Europe. It has an area of 603,628 km², making it the second largest contiguous country on the European continent, after Russia...
)
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 1% - 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.
Coverage Areas
For Bank of America account holders:The Non-Bank of America International ATM Fee is waived for account holders using their ATM card or debit/check card at ATMs in the Global ATM Alliance within specified coverage areas:
| Coverage Area | Bank Name |
|---|---|
| United Kingdom. United Kingdom countries include: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Chanel Islands. | Barclays |
| France | BNP Paribas |
| Italy | BNL D'Italia |
| Germany | Deutsche Bank |
| Canada 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. Lucia, St. Vincent & The Grenadines, Trinidad & Tobago, Turks & Caicos Islands, US Virgin Islands. | Scotiabank |
| Australia and New Zealand | Westpac Bank |
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 China Construction Bank ATMs (China Construction Bank ATMs in Hong Kong excluded) 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, China Construction Bank, 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, and balance inquiry.
Bank of America International Transaction Fee/Foreign Currency 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 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 converted ATM cash withdrawal, this International Transaction Fee is 1% of the U.S. Dollar Amount, and for each converted 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 AU$5/NZ$8 is waived at ATMs of participating Global ATM Alliance partners in the following countries:| Country/Territory | MasterCard/Cirrus ATM network |
|---|---|
| New Zealand | Westpac NZ |
| Fiji, Vanuatu, Cook Islands, Samoa, Tonga, PNG, Solomon Islands | Westpac Pacific Banking |
| France | BNP Paribas, Ukrisbbank - Private Bank Group |
| Germany, Spain, Italy, Poland | Deutsche Bank |
| Botswana, France, Ghana, Gibraltar, Kenya, Mauritius, Pakistan (including AJK), Portugal, The Seychelles, Spain, Tanzania, Uganda, United Kingdom, Zambia, Zimbabwe (Zimbabwe Dollar transactions currently suspended per Reserve Bank directive) | Barclays Bank plc |
| South Africa | 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 AU$5 Overseas ATM Cash Withdrawal Fee.
Westpac Foreign Transaction Fee/Foreign Currency Fee
Westpac account holders may incur a Westpac Foreign Transaction Fee (aka Foreign Currency Fee) of between 2.2% and 3% that is incorporated into the $AUD transaction amount shown on the account holder’s banking statement for transactions that occur in a foreign currency. A fee of 3% of the $AUD 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 $AUD 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
Withdrawing cash from a Barclays account from a cash machine in the Global Alliance is free of transaction charges. If you use a cash machine that isn't in the Global Alliance or if you use your 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 | Absa |
| Ukraine | UkrSibbank |
| United States | Bank of America |
| Great Britain, Worldwide | Barclays |
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, Kenya, Mauritius, Tanzania, Zimbabwe | Barclays |
| France | BNP Paribas |
| Canada, Chile, Mexico | Scotiabank |
| Australia, New Zealand | Westpac Bank |
Scotiabank Account Holders
For Scotiabank account holders, visit Scoitabank's website for a complete and up to date list.Scotiabank - Global ATM Alliance
External links
- Bank of America
- Bank of America Info Center - ATM: Getting Started
(Note: click the "Questions & Answers" tab and scroll down to the questions: "What is the Global ATM Alliance?" and "What are the fees for using a Check Card or ATM card in a foreign country?" - 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
- Bank of America Info Center - ATM: Getting Started
- Westpac
- Scotiabank
- Five big banks form Global ATM Alliance
- BNP Paribas joins global ATM alliance
- UkrSibbank- Global ATM alliance
- BNL d'Italia Bank Loctor