🇦🇺 Stores That Give Cash Out in Australia
In Australia, getting cash at the checkout is called eftpos cash out — you ask for extra cash on top of your purchase when paying by debit card. It's built into the eftpos network and is free at all major supermarkets.
Here's every major Australian retailer, their cash out limit, and whether they charge a fee.
Full List: Eftpos Cash Out Limits and Fees in Australia
| Store | Max Cash Out | Fee | Self-Checkout | Notes |
|---|---|---|---|---|
| Woolworths | $200 | Free | Yes (most) | Eftpos debit only, PIN required |
| Coles | $200 | Free | Yes (most) | Eftpos debit only, PIN required |
| ALDI Australia | $200 | Free | No | Staffed registers only |
| IGA / Supa IGA | $100–$200 | Free | Varies | Independently owned — limits vary by store |
| Kmart | $200 | Free | Varies | Staffed registers reliable; SCO availability varies |
| Big W | $200 | Free | Varies | Same as Kmart — staffed more reliable |
| Target Australia | $100–$200 | Free | Varies | Now owned by Wesfarmers (same as Kmart) |
| Bunnings | $100 | Free | No | Hardware — staffed registers only |
| Chemist Warehouse | $50–$100 | Varies | No | Franchisee-owned; policies differ by store |
| Priceline Pharmacy | $50–$100 | Varies | No | Check at register |
| Australia Post (Bank@Post) | $200–$500 | Varies by bank | No | Commonwealth, NAB, Westpac, ANZ customers; some banks charge a fee |
| 7-Eleven | N/A | ATM only | N/A | In-store ATMs charge $2–$3.50; no eftpos cash out |
| BP / Caltex / Ampol | $50–$100 | Varies | No | Petrol stations — limited availability; check at register |
Limits are per transaction by eftpos debit. Your bank may impose separate daily limits. Credit cards and BNPL (Afterpay, Zip) cannot be used for cash out. Data based on retailer policies as of 2026.
Stores That Give Cash Out for Free
Woolworths and Coles are the most consistent — both allow up to $200 per transaction at staffed registers and most self-checkouts nationwide. If you have a Woolworths or Coles nearby, it's your best option for fee-free cash.
ALDI offers up to $200 with no fee, but only at staffed registers — ALDI Australia stores don't have self-checkout. Ask the cashier when your items are scanned.
IGA stores are independently owned, which means the cash out limit and availability vary. Most offer $100–$200 with no fee, but a minority may charge a small surcharge. The terminal will display any fee before you confirm.
Australia Post Bank@Post is an underused option — if your bank participates (CBA, NAB, Westpac, ANZ, and many regionals), you can withdraw cash at any Australia Post outlet. Limits are higher ($200–$500) and many banks offer it free to account holders. This is especially useful in rural areas where supermarkets may be far away.
Where Fees Apply
Unlike the United States, where major chains like Dollar General and Kroger charge explicit cash back fees, Australian consumer law and the eftpos network make fee-charging at major supermarkets rare. The eftpos network processes cash out as part of the same transaction, so there's no processing cost to pass on to customers at scale.
Where fees do appear, it's typically at small independents, convenience stores, or legacy EFTPOS terminals that predate the no-fee standard.
How Eftpos Cash Out Works in Australia
- Make any purchase at the register.
- Tap or insert your eftpos debit card (Visa Debit and Mastercard Debit also work at most terminals).
- When prompted, select cheque or savings account and enter your PIN.
- Select "Cash Out" on the terminal and enter the amount you want.
- The cashier will give you the cash along with your change.
Important: You must select cheque or savings (not credit) and enter your PIN. Contactless/tap payments do not support cash out — you need to insert or swipe your card.
When No Store Is Nearby: Alternatives in Australia
In regional and rural Australia, eftpos cash out options can be limited. Your options:
- Australia Post Bank@Post — the most widely available option outside cities. Works at 3,500+ post offices for participating bank customers.
- Your bank's ATM network — Commonwealth Bank, ANZ, Westpac, and NAB all operate large ATM networks. Since 2017 the Big Four agreed to no-surcharge ATMs for each other's customers.
- Cashtic — connects you with nearby people willing to exchange cash directly for a bank transfer or PayID payment. Useful in areas where ATMs and post offices are sparse.
- rediATM / Banktech / Armaguard ATMs — independent ATM networks often found in pubs, clubs, and service stations. Fees typically $2–$3.50.
Also see: Stores that give cash back in the US · Cash back stores in Canada
Frequently Asked Questions
Does Woolworths give cash out in Australia?
Yes. Woolworths offers free eftpos cash out up to $200 per transaction at staffed registers and self-checkouts. No fee is charged. You must make a purchase and pay by eftpos debit card.
Does Coles give cash out in Australia?
Yes. Coles offers free eftpos cash out up to $200 per transaction at staffed registers and most self-checkouts. No fee is charged. You need to pay by debit card and enter your PIN.
Does ALDI give cash out in Australia?
Yes. ALDI Australia offers free eftpos cash out up to $200 per transaction at the register. No fee is charged. ALDI does not have self-checkout, so ask the cashier.
Does IGA give cash out in Australia?
Yes. Most IGA stores offer eftpos cash out, typically up to $100–$200 with no fee. Policies vary by independently owned store, so the limit and availability can differ between locations.
Does Chemist Warehouse give cash out?
Yes. Many Chemist Warehouse locations offer eftpos cash out. The limit and fee vary by store — most offer up to $50–$100. Check at the register as policies differ between franchisees.
Does 7-Eleven give cash out in Australia?
7-Eleven Australia stores do not consistently offer eftpos cash out. They do have in-store ATMs at many locations, but these charge a fee (typically $2–$3.50 per withdrawal).
Does Kmart or Big W give cash out?
Yes. Both Kmart and Big W offer eftpos cash out at staffed registers. Limits are typically up to $100–$200 with no fee. Self-checkout availability varies.
What is the difference between "cash out" and "cash back" in Australia?
In Australia the term is "cash out" — you request additional cash on top of your purchase amount when paying by eftpos debit card. "Cash back" in Australia usually refers to credit card rewards programs, not the same thing. The US term "cash back at checkout" is the equivalent of Australian "cash out".
Is eftpos cash out free in Australia?
At most major supermarkets (Woolworths, Coles, ALDI, IGA) eftpos cash out is free. Some smaller retailers, convenience stores, and pharmacies may charge a small fee. Always check the terminal before confirming.
What is the maximum cash out amount at Australian supermarkets?
Most major supermarkets (Woolworths, Coles, ALDI) allow up to $200 per transaction. Some stores cap at $100. Your bank may also impose daily limits on eftpos cash out separate from the store limit.
Can I get cash out without making a purchase in Australia?
No. Eftpos cash out always requires a purchase. If you need cash without buying anything, you will need an ATM. Cashtic can also connect you with nearby people willing to exchange cash directly for a digital payment.
Does Australia Post give cash out?
Yes. Bank@Post at Australia Post allows customers of participating banks (Commonwealth Bank, NAB, Westpac, ANZ and others) to withdraw cash at the counter. Limits vary by bank — typically $200–$500. Some banks charge a fee; others offer it free for account holders.