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At our ATMs, you can deposit and withdraw cash, check your balance, transfer between accounts and change your PIN. ATMs with the contactless symbol also let you Tap & PIN, making banking simpler and quicker.

Find an ATM near me

ATM Features

Quick and easy deposits

  • *Smart ATMs only
  • Deposit without a card
  • Deposit AUD notes and cheques togetherdisclaimerdisclaimer
  • Cheques clear as quickly as in-branch deposits 
  • Cash deposits appear in your account instantly 
  • Pay your linked credit card account with cash or by cheque

Contactless transactions

  • Available with Australian-issued ANZ Visa cards that have the contactless symbol 
  • Just Tap & PIN to start a transaction
  • Withdraw cash using your digitaldisclaimerwallet with a compatible phone or smart watch 
  • Faster and more secure

Cash and card management

  • Withdraw cash 24/7 at selected ATMs
  • Transfer funds between your linked accounts, including credit cards and loans
  • Change card PIN
  • Check account balance

Conduct your banking efficiently

  • Easy to use touch screen interfacedisclaimer
  • Accessible banking with braille keypads and assisted audio voiceover
  • Choose from multiple language options to help you easily understand and conduct your banking


No transaction feesdisclaimer for ANZ cardholders across the atmx by Armaguard network

Need cash? Look for the new atmx by Armaguard ATM. They’ll be easy to spot with hundreds of convenient locations across Australia.

As an ANZ cardholder you can enjoy no transaction fee when making a cash withdrawal or balance enquiry at any atmx by Armaguard ATM.

major bank ATMs

No transaction feesdisclaimer at major bank ATMs for ANZ cardholders

As an ANZ cardholder you can also enjoy no transaction fee when making a cash withdrawal or balance enquiry at any ANZ, NAB, Commonwealth Bank or Westpac ATM across Australia.

Furthermore, there are thousands of merchants that have eftpos machines (including most supermarkets and petrol stations) that also provide cash withdrawals with no withdrawal fee.

Step-by-Step Smart ATM Guide

Convenient things you can enjoy at an ANZ Smart ATM here (PDF 3.73MB).

Make a deposit without a card 

Deposit without a card means anyone can make deposits into selected ANZ personal and business accounts. A detailed receipt will be provided, including agent ID or reference as well as note denominations. If you deposit three cheques or less you will see the images of the cheques on the back of your receipt.

  1. Select ‘Deposit without a card’
  2. Choose your deposit option:
  • Deposit Slip
  • BSB & Account number
  • Credit Card Number
  • Agent Number
  1. Enter and confirm your details
  2. Insert notes/cheques – always check and remove foreign objects first
  3. Confirm amount
  4. Receipt will be provided

Take care of those loose coins with a Coin Deposit Machine

ANZ Coin Deposit Machines sit adjacent to select Smart ATMs allowing customers to deposit loose Australian denomination coins simply and easily. Up to 500 coins or 4kg may be deposited with no pre-bagging or sorting required.

  1. Start your transaction by Tap & PIN or inserting a card
  2. Select Deposit
  3. Select Coin Deposit
  4. Select your account
  5. Confirm your receipt preference
  1. Follow the prompts on screen
  2. Insert coins into the coin tray - please take care to remove any foreign objects and do not exceed the MAX level
  3. Confirm amount
  4. Receipt will be provided

Choose the types of notes you'd like to withdraw

Select the cash denominations you want when making a cash withdrawal.disclaimer

  1. Start your transaction by Tap & PIN or inserting a card
  2. Enter withdrawal amount
  3. Select Account
  4. A screen will appear with multiple options, select notes on the bottom right corner
  1. Proceed with selecting denominations
  2. Confirm receipt preference
  3. Transaction complete - collect notes and receipt (if applicable)

Helpful Tips

  • Before inserting cash into the machine, be sure to remove all staples, rubber bands, paperclips and other foreign objects. That'll help your deposit to go smoothly and the machine to continue working.
  • You can find your closest ANZ ATM here. Click Filter to include only the locations that work for you – pretty important if you're looking for somewhere that you can deposit coins or access after hours.
  • An empty pickle jar could be all you need to kick-start your savings habit. Save your change in a jar, then once it's full you can deposit it using a Coin Deposit Machine.


Click here to find an ANZ ATM near you. You can click Filter to include only the locations that meet your needs – ideal if you're looking to deposit some coins.

You can also use the ANZ Appdisclaimer to find your nearest ATM. Log in to the app, tap Support, then choose Find ANZ. Choose to give permission to the app, so that we can show the ATMs that are nearest to you.

If you've forgotten your eligible card PIN, you can reset it using the ANZ App – no need to call or visit a branch. That's handy. Choose the account, then tap on Manage, then Manage Card. Tap Set/Change Card PIN and then follow the prompts.

If you're not able to use the ANZ App and you're an ANZ Debit or Credit Card customer, call 13 13 14 or visit an ANZ Branch and we'll change it for you.

If you're at an ANZ branch, our team will be able to help. Otherwise you can call 1800 803 752.

Please seek assistance from the nearest ANZ branch who will be able to lodge a dispute form or call 13 13 14

ANZ Smart ATMs have advanced imaging technology to scan and verify Australian notes and Australian-Issued AUD cheques. All of your cash and cheque deposits are listed on your receipt

You can complete all of the same ATM transactions with Tap & PIN, or by inserting your card: deposits, withdrawals, balance enquiries, PIN changes and transfers between accounts

Cash deposit limits apply.


At selected ATMs and Smart ATMs.


For eligible ANZ credit cards, withdrawals from an Australian ANZ ATM using a digital wallet will attract interest, and you may also have to pay a Cash Advance Fee. For a full list of transactions that are considered to be a ‘cash advance’, please refer to the ANZ Credit Card Conditions of Use (PDF). If you’re planning to make a cash advance using an eligible ANZ credit card with a digital wallet, please check the relevant interest rate and fees first. See the full list of eligible ANZ Visa cards available for use with your digital wallet: Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay.


Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.


Terms and conditions apply. No transaction fee access relates to the following: a successful cash withdrawal and an account balance query. Daily withdrawal limits may apply. For certain ANZ cards, withdrawals from an ATM may attract interest, and you may also have to pay a cash advance fee. For details on cash advance fees, transactions that are considered to be a ‘cash advance’  and other charges, please refer to your applicable product terms and conditions. Eligibility criteria, account fees and interest, charges may apply. Visit for more information.


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.