The Australian Competition & Consumer Commission (ACCC) has released a draft determination proposing to authorise the Australian Banking Association and other financial institutions to conduct a trial of multi-bank regional ATMs.

Under the trial, all holders of an Australian-issued card will be able to withdraw cash on a fee-free basis. Customers of the participating banks will be able to deposit cash on a fee-free basis.

The ACCC proposes to grant authorisation for three years.

The Commission has also granted interim authorisation for a subset of the proposed arrangements to start while the ACCC considers the substantive application.

The ACCC is now seeking submissions in response to the draft determination by 3 September 2026, before making its final decision.