Bank	Owned & Operated ATMs (Approx.)	Student Account Fee-Free Access
CommBank	1,800+	All Big Four ATMs ($0)
ANZ	850+	All Big Four ATMs ($0)

Feature	CommBank Smart Access	ANZ Access Advantage
Monthly Fee	$0 (if under 30 or student)	$0 (if under 25 or student)
Verification	App-based or In-branch	In-branch student ID required
Special Perk	"Yello" Cashback (Coles, Myer)	ANZ Plus high-interest savings
Pre-arrival	Open 14 days before flying	Open via app from overseas

Bank	Owned & Operated ATMs (Approx.)	Student Account Fee-Free Access
CommBank	1,800+	All Big Four ATMs ($0)
ANZ	850+	All Big Four ATMs ($0)

Feature	CommBank Smart Access	ANZ Access Advantage
Monthly Fee	$0 (if under 30 or student)	$0 (if under 25 or student)
Verification	App-based or In-branch	In-branch student ID required
Special Perk	"Yello" Cashback (Coles, Myer)	ANZ Plus high-interest savings
Pre-arrival	Open 14 days before flying	Open via app from overseas