Making banking fees transparent

We built Unexepurwa because consumers deserve clarity about where their money goes.

Why withdrawal fees need attention

Australian banking customers make approximately 740 million ATM withdrawals annually. With average fees ranging from $2.00 to $5.00 per transaction, the total annual cost approaches $2 billion in fees paid to access personal funds.

These charges are rarely discussed during account opening. Fee schedules are buried in product disclosure statements. Banks don't proactively notify customers when they're using high-fee ATMs or when better options exist nearby.

The complexity increases for business owners handling daily cash, international visitors unfamiliar with local banking networks, and regional Australians with limited fee-free ATM access.

Professional team collaborating on financial analysis

Our approach to fee reduction

Data aggregation

We maintain Australia's most comprehensive database of ATM fees, bank charges, and cashback locations. Our team verifies fee structures monthly across 47 banking institutions and over 3,200 independent ATM operators.

Pattern analysis

Transaction data reveals behavioral patterns. We identify your peak withdrawal times, preferred locations, and typical transaction amounts. This allows us to recommend solutions matched to actual usage rather than theoretical scenarios.

Practical recommendations

Every strategy we deliver includes specific account products to investigate, exact ATM networks to prioritize, and retail locations offering fee-free cashback. We provide actionable steps, not generic advice.

Independent guidance

We accept no referral fees from banks or financial institutions. Our revenue comes exclusively from client service fees, ensuring our recommendations prioritize your financial benefit.

Detailed financial analysis and calculation work

How we calculate savings potential

Our analysis begins with transaction history. We need at least three months of data to establish reliable patterns, though six months provides better accuracy for seasonal variations.

Each withdrawal is categorized by operator type, location category, time of day, and amount. We identify which transactions incurred fees and calculate what those same transactions would cost under alternative banking arrangements.

The comparison includes not just different bank accounts, but also behavioral adjustments like consolidating withdrawals, using cashback at retailers, or timing transactions to occur at fee-free locations along your regular routes.

We factor in any account-keeping fees associated with alternative products. Sometimes a premium account with a monthly fee actually costs less overall if it includes unlimited fee-free ATM access and you're currently paying $15-20 monthly in withdrawal charges.

What drives our work

Financial transparency shouldn't require specialized knowledge. These principles guide how we operate.

Clarity over complexity

Banking products use technical language to obscure costs. We translate fee structures into plain numbers showing exactly what you'll pay under different scenarios.

Evidence-based recommendations

We don't guess about potential savings. Every recommendation is backed by calculation using your actual transaction data compared against verified fee schedules.

Long-term thinking

Quick fixes rarely work. We design strategies that remain effective as your circumstances change, with built-in flexibility for life transitions or behavioral shifts.

Built by people who understand both banking and data

Our team combines backgrounds in financial services, data analysis, and consumer advocacy. We've worked inside banks, built financial technology platforms, and helped thousands of Australians reduce unnecessary banking costs.

We started tracking ATM fees after noticing how rarely consumers compared their options. What began as a personal spreadsheet evolved into a comprehensive database, and eventually into the structured service we offer today.