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ATMs and Smart ATMs

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

Get cash 24/7

Key features

Check your balances

View the balance of the accounts linked to your card.

Get cash from any ATM

Withdraw cash at any ATM in New Zealand. 

Deposit cash and cheques at Smart ATMs

If you’re at an ANZ Smart ATM, you’ll have the option to deposit cash or cheques into an account linked to your card.

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.

ATM deposit processing times

Cash deposits

Cash (notes only) deposits are cleared funds once processed. Cash deposited at Smart ATMs before 7:30pm on a business day is processed at the end of the day. Cash deposited after 7:30pm or on a non-business day, is processed at the end of the next business day. See ANZ General Terms and Conditions (PDF 116kB) for more information.

If you choose to print a receipt, the breakdown of the number of each type of note deposited will be displayed.

Cheque deposits

Cheques take longer to process. Once removed from the Smart ATM (usually within three business days of being deposited), cheques are sent to be processed and standard cheque clearance times apply. Cheques from overseas, or banks that no longer process cheques (i.e. Kiwibank), will not be accepted and the Smart ATM will return the cheque to you.

If you choose to print a receipt, the information displayed depends on the number of cheques deposited:

  • 1-3: scanned image of the cheque(s)
  • 4+: list of the cheque amounts instead of scanned images

ANZ will be phasing out cheques as a form of payment from 31 May 2021. We’ve put together some tips on how to prepare for this changes.

Contact Centre and Branches

We’ve got you covered, if you want to chat over the phone or come into branch, we’re happy to help.

Learn more about our Contact Centre and Branches

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 notes into your accounts using Smart Deposits 
  • Withdraw cash when you need it 
  • Check your balance 
  • Move money between your accounts 
  • Print a mini-statement.

Smart ATM Guide (PDF 3.26MB)

How to deposit cash

Learn how to deposit cash into an account linked to your card.


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.

How to bank safely

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.

Need help?

Help and support 

See all help and support articles