Saving habits

Three digital habits to help you save

Savings tips inspired by the good old days of cash, adapted to suit a digital and cashless world.

Reading time: 2 minutes

Start small to build new habits

We’re creatures of habit, us humans. These habits can be good or bad, and for a lot of us, hard to change. 

That said, being open to new ways of doing things could lead to better outcomes. This includes our approach to money and how we save. Even small, regular savings habits can make a big difference over time. Especially if you’re up for swapping some traditional ways to save for these digital methods. 

[Video: Animated illustrations of an ANZ Smart ATM, or money machine.]

Voiceover: ANZ Smart ATMs allow you to deposit cash directly into an account linked to your card or into another ANZ account. You can also use these ATMs to get cash out and transfer money between your ANZ accounts.

In this video we’ll take a look at how to deposit cash into an account linked to your card using an ANZ Smart ATM. You can only deposit notes, not coins.

When you arrive at the ATM, check the top banner on the screen to make sure the Deposits option is available.

[Video: ATM screen with ‘Deposits’ in the top right.]

Voiceover: To get started simply insert your card or tap your contactless card on the Tap and Pin sticker, then enter your PIN.

You’ll then see the various transaction options available. Tap on Deposit.

[Video: ATM screen with options such as cash withdrawals, with ‘Deposit’ on the top right.]

Voiceover: There are two options for depositing cash – either into an account linked to your card, or into another ANZ account. Tap ‘an account on this card’.

Make sure to read the guidance on the processing times before making the deposit.

[Video: ATM screen with text ‘We process deposits made after 7.30pm, the next day. See our General Terms and Conditions for more information.’]

Voiceover: Then tap the Deposit Notes button. Now tap on the account you want to deposit the money into – for example Cheque, Savings or Credit.

The ATM will then display a wait screen while it checks to see if the account you have selected is loaded on your card and your PIN is correct.

[Video: ATM screen with text ‘Please wait while we process your transaction’.]

Voiceover: If you want a receipt of your deposit for your records, tap Print receipt – otherwise tap Balance on Screen or No receipt or balance.

Voiceover: Now it’s time to deposit your money. Before inserting your notes, it’s important to read what’s on the screen.

[Video: ATM screen with text ‘Before you make a deposit’ above a list the voiceover will read out.]

Voiceover: Check the maximum number of notes this ATM can accept per transaction.

[Video: Text ‘Up to 50 notes per transaction.’]

Voiceover: You can only deposit notes, not coins. Make sure you have removed any staples, rubber bands and paper clips from the notes. Remove any notes that are folded, damaged or cut. Make sure you count the amount you are depositing. For ease, you might want to do this before you get to the ATM.

The example onscreen will show you how to insert the notes – either end-ways or sideways, depending on the ATM.

[Video: Stack of $20 notes inserted end-ways into a short money slot. Another stack of $20 notes inserted sideways into a long money slot.]

Voiceover: You’ll need to wait just a few seconds for your deposit to be counted. A summary of this will then show up on screen.

[Video: ATM screen with text ‘Deposit summary to cheque account – $20 x2 = $40, $50 x 3 = $150, total $190.']

Voiceover: From here you can deposit more notes, or return all notes (if you’ve changed your mind or want to start again).

If you’re happy with your deposit, tap Confirm Deposit and your transaction will be completed – don’t forget your receipt if you requested one.

Voiceover: If you want to make another transaction, tap Yes. If not, tap No and remember to take your card with you.

We have a range of other videos and guides available on how to make banking easier at

[Video: Text with guide topics – payments, edit payments, transfers, viewing transactions, print statements, managing cards, how to use goMoney.]

Voiceover: If you ever get stuck, you can always get in touch and we’ll show you how.

[Video: ANZ’s phone number 0800 269 296. ANZ logo.]

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Important information

This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our financial advice provider disclosure (PDF 39.9KB).

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