NAB and the rediATM Network
If you are wondering whether National Australia Bank (NAB) still cooperates with the rediATM network, the short answer is no. NAB concluded its participation in the rediATM network on 1 January 2019. Consequently, the previous arrangement that allowed NAB customers to use rediATMs without direct charge fees is no longer in effect.
If you choose to use a rediATM today, you may be subject to a direct charge fee imposed by the ATM operator. To avoid unnecessary costs, it is recommended that you utilize NAB’s own extensive network of ATMs or look for retailers that offer "cash out" options during point-of-sale transactions. Always check the ATM screen before proceeding with a withdrawal, as the machine is required to notify you of any applicable fees before you finalize your transaction.
Key Information and Requirements
| Category | Details |
|---|---|
| Network Cooperation | NAB is not a member of the rediATM network. |
| Direct Charges | Fees may apply if you use a non-NAB ATM. |
| Best Practice | Use NAB-branded ATMs to avoid operator fees. |
| Requirements | Active NAB chip-enabled card and PIN. |
Step-by-Step Guide: Finding Fee-Free ATMs
To avoid paying unnecessary ATM operator fees, follow these steps to locate a NAB-branded machine.
- Use the NAB App: Log into your NAB app and use the 'ATM & Branch Locator' feature.
- Filter by location: Enter your current suburb or postcode to see a map of the closest NAB-branded ATMs.
- Check the ATM branding: Before inserting your card, verify that the ATM is clearly branded with the NAB logo.
- Review the screen: If you accidentally use a non-NAB ATM, the machine must display any applicable fees on the screen before you complete your withdrawal; if you see a fee, you can choose to cancel the transaction.
Troubleshooting ATM Issues
If you encounter an issue at an ATM, here is how to handle the situation.
MFA / Login Issues
- Cause: You cannot proceed with a withdrawal because you have forgotten your PIN.
- Simple Fix: Reset your PIN via the NAB app before arriving at the ATM.
- Fallback Action: Visit a NAB branch with valid photo identification to have a consultant assist you with a PIN reset.
Browser or App Errors
- Cause: The ATM locator tool in the NAB app may show outdated information if the app is not updated.
- Simple Fix: Ensure your NAB app is updated to the latest version via the App Store or Google Play.
- Fallback Action: Use the official NAB website's branch and ATM locator on your mobile browser as an alternative.
Locked Account / ID / Access Issues
- Cause: Your card may be retained by an ATM if you enter an incorrect PIN three times, or if the machine detects a potential security risk.
- Simple Fix: Do not leave the ATM if your card is stuck; wait for the machine to reset if possible.
- Fallback Action: Contact the bank immediately using the support number found on the ATM or by calling 1800 036 066 to block your card.
Pro-Tip: When you need cash, consider asking for "cash out" at a supermarket or service station checkout when paying with your card. This is often a convenient way to access your own money without needing to find a specific bank-branded ATM or worrying about ATM operator fees.
Frequently Asked Questions
Q: Will I be charged a fee if I use a rediATM?
Yes, because NAB is no longer a participant in the rediATM network, the operator of the ATM may apply a direct charge fee for withdrawals or balance inquiries. The ATM is required to inform you of this fee on-screen before you finalize the transaction. One limitation is that this fee is charged by the machine operator, not by NAB, so NAB cannot waive it. Your practical next step is to cancel the transaction if a fee is displayed and find a NAB-branded ATM instead.
Q: Are there any other ways to get fee-free cash?
Yes, besides using NAB-branded ATMs, you can often withdraw cash at the register when making a purchase at many major retailers. This process is generally free of operator fees. One exception is that some smaller merchants may have their own minimum purchase requirements for cash out. Your practical next step is to check with the merchant at the checkout if they offer cash-out services before you begin your transaction.
