ATMs and Smart ATMs

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. You need to check you have the correct account number, as the Confirmation of Payee service which allows you to check the name of the person you intend to pay matches the name on the account is not available when using a Smart ATM.

If you’re at a Smart ATM, you can deposit notes. At selected Smart ATMs in branch lobbies, you can deposit coins.

• 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.

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.

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. 

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 our ANZ General Terms and Conditions for more information.

The daily withdrawal limit for ANZ cards at any New Zealand ATM is $2,000.

If you need to withdraw more than that, you can visit any ANZ branch.

When overseas, the daily limit depends on the type of card you are using:

• EFTPOS card: NZD2,000 or equivalent in foreign currencies
• Visa Debit card: NZD3,000 or equivalent in foreign currencies
• Visa Credit card: NZD3,000 or equivalent in foreign currencies as a cash advance

Other transaction limits and currency conversion charges may apply for overseas transactions. ATM fees charged by the ATM owner may apply.

• Deposit into an account linked to your ANZ card: No daily deposit limit
• Deposits made by entering an ANZ account number (your own or someone else’s): $9,999 daily deposit limit per ANZ card

The limit an ANZ customer can receive in a day, across all their accounts from ATM deposits where the account number is entered, is $9,999. 

To deposit more than $9,999 you can:

• Make the deposits over more than one day
• Make the deposit at any ANZ branch. 

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.

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.