ATMs and Smart ATMs

Access your accounts, withdraw cash, and make deposits, using ANZ ATMs and Smart ATMs.

Get cash 24/7

Key features

Other helpful features

With ANZ ATMs you can also:

  • Move money between the accounts linked to your card.
  • Transfer funds to pay your credit card bill.
  • Print a mini-statement of the last 10 transactions from the Cheque or Savings accounts linked to your card.

At ANZ Smart ATMs, you can also deposit cash into another customer's ANZ account.


Smart ATM cash deposit and processing times

If you’re at a Smart ATM, you can deposit cash into an account linked to your card or another customer’s ANZ account. At selected Smart ATMs in branch lobbies, you can deposit coins into your ANZ accounts, or another customer’s ANZ account.


Deposits into accounts linked to your card

For an ANZ account linked to your card, simply select the account type. Use this as a quick and easy way to deposit to your account if you do not need to add reference information to help you identify the transaction.

Into an ANZ account, linked to your card:

  • Cash deposited before 7:30pm is processed at the end of the day.
  • Cash deposited after 7:30pm is processed at the end of the next day

Deposits into other ANZ accounts

For another ANZ account, type in any ANZ current or savings account number and you’ll have the option to add a reference, code or number. Use this to deposit to someone else’s ANZ account or your account if you would like to see a specific reference for this deposit on your account. 

Into another ANZ account:

  • Cash deposited before 10pm is processed at the end of the day.
  • Cash deposited after 10pm is processed at the end of the next day

If you print a receipt, it will display the number of each type of note or coin deposited, and a reference code or number for this type of transaction.

All deposits are cleared funds once processed.

See ANZ General Terms and Conditions (PDF 116KB) for more information.

How-to guide and video

We’re making using ANZ Smart ATMs easier with our step-by-step printable guide. Learn how to:

  • Find your nearest Smart ATM 
  • Deposit cash into your ANZ accounts, and accounts of other ANZ customers
  • Withdraw cash when you need it 
  • Check your balance 
  • Move money between your accounts 
  • Print a mini-statement.


[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 anz.co.nz/guides.

[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.]

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

Voiceover: ANZ Smart ATMs allow you to deposit cash into ANZ accounts by entering the account number at the ATM, as well as directly into an account linked to your card. 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 ANZ account by entering an account number at the ATM. Remember, 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 ‘another ANZ account’.

Make sure you understand the guidance and processing times before making the deposit.

[Video: ATM screen with text including ‘You can deposit up to $9,000 per day. We process deposits made after 10pm, the next day. See our General Terms and Conditions for more information.’]

Voiceover: Then tap ‘enter account details’. Enter the ANZ account number you’re wanting to deposit the money into. Please double check the account number once you’ve entered it, to ensure it’s correct. Then tap Enter deposit details.

Next, enter reference details for the deposit. This will help the recipient know what the deposit into their account is for. Note, this is optional - you can choose to leave it blank.

[Video: Reference details text – ‘Mrs J Smith’ in Particulars and ‘Invoice 12’ in Reference.]

Voiceover: Next tap Review details.

Now it’s time to check that your deposit details are correct, including the account number and any references you’ve included.

Note that funds deposited to the wrong account may not be recoverable, so it’s important to double check.

If you need to change the account number, tap Re-enter account number. If you need to change the deposit details, tap Edit deposit details.

If everything is correct, tap Deposit Notes.

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 on the ATM screen will show you how to insert the notes – either end-ways or side-ways, 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 your deposited notes will then show up on screen.

[Video: ATM screen with text ‘Deposit summary to cheque account – $10 x 4 = $40, 20 x2 = $40, $50 x 3 = $150, total $230.']

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.

Voiceover: If you’d like a record of your transaction, tap Continue with receipt or if not, tap Continue without receipt.

If you would like to deposit more funds to the same account tap Deposit more to recipient.

If you would like to complete a different transaction, tap Main Menu. Otherwise tap Finish. Make sure you take your card with you and don’t forget your receipt if you requested one.

We hope you found this video on how to make deposits at a Smart ATM, by entering an account number at the ATM, helpful.

We have a range of other videos and guides available on how to make banking easier at anz.co.nz/guides.

[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.]

ATM deposit limits

Different limits apply depending on whether you’re making a deposit into an account linked to your ANZ Visa Debit, credit or EFTPOS card or by entering an ANZ account number at the Smart ATM.

  • No daily limit for deposits made into an account linked to your ANZ Visa Debit, credit or EFTPOS card when using an ANZ Smart ATM or Regional Banking Hub ATM.
  • Daily limit of $9,999 for deposits made by entering an ANZ account number (either your own account number or someone else’s) at an ANZ Smart ATM. There’s also a daily deposit limit of $9,999 that can be received by an ANZ customer, across all accounts they own.

If you need to deposit more than $9,999 in cash, you’ll need to try again the following day or you can visit any ANZ branch to make a deposit over the counter. We accept over the counter cash deposits into an ANZ business account (or other non-personal account), or into your own ANZ account.

Security

Securely access your ANZ accounts using your card PIN, ensuring it’s always covered with your hand.

All ATM screens are designed so it’s hard for people to see the information from side on, helping to keep your personal details private.

There is also advance anti-card skimming technology built into all ATMs, which makes it harder for fraudsters to install skimming devices to capture personal information like card numbers.

Scams and Fraud Guide

We’re committed to keeping you and your banking safe, and you have a role to play too. Working together, we can keep you even safer. However you choose to bank, find out how to keep safe.

Accessible banking

We’re working hard to make our banking products and services accessible and available to all New Zealanders, regardless of ability.