Automated banking machine fees

To find out how much you might be charged at various automated banking machines (ABMs), including private white label machines, see the table below.

Summary of how much you might be charged at various ABMs
If you are withdrawing money from the ABM of ... Regular account Fee Network access fee to the INTERAC® network Convenience fee
(charged by another financial institution or a private operator)
Total transaction cost Cost expressed as a percentage of a $20 withdrawal
(charged by your financial institution)

1Institutions surveyed include Alterna Bank, Alterna Savings, BMO Bank of Montreal, CIBC, Desjardins, HSBC, Laurentian Bank, National Bank, RBC Royal Bank, Scotiabank, TD Canada Trust and some credit unions.

2The fees charged by private operators are typically within this range. However, they are not required to adhere to a minimum or maximum limit.

Last Modified: May 2015

... your own financial institution $0
to
$1.50
$0
to
$1.50
0%
to
7.5%
... a financial institution of which you are not a customer1 $0
to
$1.50
$0
to
$1.90
$1.00
to
$4.00
$1.00
to
$7.40
5%
to
37%
... a private operator $0
to
$1.50
$0
to
$1.90
$1.50
to
$5.00
$1.50
to
$8.40
7.5%
to
42%

Definitions

Regular Account Fee: Service charge imposed by a consumer's financial institution to withdraw money at any ABM. This fee is often covered by a "service package" offered by the consumer's financial institution.

Network Access Fee: Fee imposed by the consumer's financial institution when the consumer withdraws money at an ABM not owned by his or her financial institution. This fee is added to the regular account fees.

Convenience Fee: Fee charged by operators of privately-owned ABMs and by financial institutions to "non-customers" using their ABMs. The convenience fee is added to the network access fee and to the regular account fees.

An ABM user is considered to be a "non-customer" when he or she uses a debit card from a different financial institution.

Other important information

Canadian Western Bank, Citibank, Citizens Bank, and Manulife Bank customers are not charged the network access fee to the INTERAC® network. However, they have to pay the ABM convenience fee where applicable.

PC Financial customers are not charged the network access fee to the INTERAC® network and the convenience fee at CIBC's ABMs.

The Alterna Bank, Alterna Savings, Canadian Western Bank, Citibank, Citizens Bank, HSBC, Manulife Bank, National Bank, and various credit unions are also members of THE EXCHANGE® network, which is similar to the INTERAC® network. Members of THE EXCHANGE® network do not charge convenience fees to the customers of other member institutions. However, members of the network may charge their customers a network access fee for using THE EXCHANGE® network.