ANZ ATM Near Me: Find Locations, Fees, and Opening Hours

There’s a quiet frustration that comes with needing cash fast and not knowing which machine will let you withdraw without a fee. Whether you’re new to Australia or just tired of digging through banking apps, finding an ANZ ATM near you is one of those tasks that should be simple—and with the right tools, it actually is.

ANZ ATM withdrawal fee at own ATMs: Free ·
Non-ANZ ATM fee in Australia: Approximately $2–$3 per transaction ·
ANZ international transaction fee: 3% of transaction amount ·
ANZ global markets: 29

Here is a quick reference table of the core facts about ANZ’s ATM network and fees.

Which ATM can I use for ANZ?

How to find a nearby ANZ ATM using the app or website

The quickest way to find an ANZ ATM near me is through the ANZ Australia Official ATM Page or the ANZ mobile app. Both tools use your device’s location to show nearby machines, with filters for deposit-enabled ATMs and Smart ATMs.

• Open the ANZ app and tap “Find us” to see a map of nearby ATMs and branches.
• The website locator displays hours, services available (deposits, 24/7 access), and directions.
• You can search by suburb, postcode, or landmark.

What is an ANZ Smart ATM and how does it work?

ANZ Smart ATMs are the bank’s latest self-service machines. They handle both withdrawals and deposits—cash and cheques—without an envelope. According to ANZ Australia Official ATM Page, these machines are available 24/7 at many locations and the app shows which ones are Smart-enabled.

• Insert your card and select “Deposit”—the machine counts cash instantly.
• Cheques are scanned and credited, subject to clearance periods.
• You can also check balances, transfer funds, and change your PIN.

ANZ deposit ATMs: where to find them

If you need to deposit money into an ANZ account, not every ATM accepts deposits. The locator tool on the ANZ website and app includes a filter specifically for “Deposit ATMs.” Most standalone ATMs and branch-based machines with deposit slots are marked. Cash deposits are credited immediately, while cheques may take one to two business days to clear (ANZ Australia Official ATM Page).

Which banks offer free ATM withdrawals?

ANZ ATM fee policy

ANZ customers in Australia face no withdrawal fee at ANZ ATMs. But the fee picture gets better: ANZ also doesn’t charge for withdrawals at NAB, CommBank, or Westpac ATMs, according to ANZ Australia Official ATM Page. This partnership covers thousands of machines across the country.

• ANZ-to-ANZ: free
• ANZ at CommBank, NAB, Westpac: free (no ANZ fee—operator may still charge)
• Independent ATMs (rediATM, atmx): operator fee may apply

Comparing fees at other Australian banks

One 2025 look at Finder.com.au shows that Westpac charges a $0.70 withdrawal fee for cards from other banks at some of its ATMs, while CommBank charges $0 for partner banks including ANZ. Independent operators like rediATM may charge $2–$3 per transaction for non-partner cards (Bank Australia ATM Page).

The five items, one pattern: the Big Four (ANZ, CommBank, NAB, Westpac) have a mutual fee-free arrangement that covers most everyday ATMs. Outside that circle, fees vary widely.

This table shows how the major Australian banks compare on ATM fees.

Tips to avoid ATM fees when using ANZ cards

The simplest way to avoid fees is to use the ANZ app’s locator and select only ATMs marked as fee-free. Stick to the Big Four machines and you’ll rarely pay. For cash-out at point-of-sale, many supermarkets offer free EFTPOS withdrawals with a purchase (Finder.com.au).

Does ANZ have overseas branches?

Countries where ANZ operates

ANZ operates in 29 markets across Asia Pacific, Europe, and the Americas (ANZ Australia Official ATM Page). However, retail banking is concentrated in Australia, New Zealand, and select Pacific islands. Outside those regions, ANZ’s presence is primarily institutional—servicing corporate and business clients rather than everyday consumers.

Seven key retail markets for ANZ:

• Australia
• New Zealand
• Cook Islands
• Fiji
• Vanuatu
• Samoa
• Timor-Leste

Using ANZ ATMs abroad

If you’re an ANZ customer travelling overseas, withdrawing from a partner ATM may incur fees. ANZ charges a 3% international transaction fee on all foreign currency withdrawals (ANZ Australia Personal Fees PDF). In the Cook Islands, ANZ charges a flat $5.00 withdrawal fee per ATM transaction and $1.00 for balance enquiries (ANZ Cook Islands Fees PDF).

For New Zealand customers, a change effective 4 May 2026 will waive cash advance fees at both ANZ and non-ANZ ATMs in New Zealand (ANZ NZ Fees PDF (effective 4 May 2026)). That’s a significant shift for anyone who travels across the Tasman regularly.

ANZ institutional network vs retail banking

It’s easy to confuse ANZ’s 29-market global footprint with retail ATM access. In reality, ANZ’s network in places like London, Singapore, or Hong Kong supports corporate banking—not consumer ATMs. According to ANZ Australia Official ATM Page, the map of retail ATMs is largely limited to Australia and New Zealand. If you’re in London and need cash, your ANZ card will work at a local ATM but the 3% fee and possibly a local operator fee will apply.

Where can I deposit money into my ANZ account?

Deposit options: ATMs, branches, and mobile

You have three ways to deposit money into an ANZ account: an ANZ Smart ATM, a branch teller, or the mobile app (for cheque deposits). The most convenient option is an ANZ Smart ATM, which accepts cash and cheques 24/7 at many locations (ANZ Australia Official ATM Page).

• Cash at ATM: immediate credit
• Cheque at ATM: credited subject to clearance (1–2 business days)
• Mobile cheque deposit: snap a photo in the app; funds held until cheque clears
• Branch deposit: teller-assisted, available during branch hours

How to deposit cash at an ANZ Smart ATM

Using an ANZ Smart ATM for cash deposits is straightforward: insert your card, select “Deposit,” choose the account, and feed notes into the slot. The machine counts and displays the amount before finalising. For deposits over $5,000 in some jurisdictions—like the Cook Islands—a $5.00 fee may apply (ANZ Cook Islands Fees PDF). In Australia, no such fee applies for standard personal accounts.

Deposit limits and processing times

Most ANZ Smart ATMs have a per-transaction limit of $10,000 in cash and $20,000 in cheques, though amounts can vary by machine. Cash deposits are credited instantly; cheques are subject to a clearance period of up to three business days. For large sums, branch deposits may be more practical (ANZ Australia Official ATM Page).

The implication: for everyday deposits, Smart ATMs are the fastest route. For large sums or non-standard items, a branch visit still wins. The app helps you find which machines accept deposits before you go.

What are the opening hours of ANZ ATMs near me?

24/7 access to ANZ ATMs

Many ANZ ATMs, especially standalone units in shopping centres and transport hubs, operate 24/7. These machines allow withdrawals, deposits, and balance checks at any hour (ANZ Australia Official ATM Page). For anyone searching “ANZ ATM near me open,” these permanently accessible machines are the answer.

Branch-based ATMs and lobby hours

ATMs physically located inside ANZ branches may only be available during branch hours—typically 9:30 AM to 4:00 PM on weekdays, with reduced hours on weekends. The ANZ app displays the exact hours for each location, including whether the lobby is open or the ATM is accessible externally.

How to check ATM availability online

The ANZ Australia Official ATM Page allows you to search by location and see real-time status: “Open 24 hours,” “Available during branch hours,” or “Temporarily unavailable.” The ANZ app offers the same data in map view, with colour-coded markers for each ATM’s current status.

The lesson: ANZ’s ATM opening hours are generally generous, but branch-based machines can trap you if you arrive after 4 PM. Use the app filter for “24/7” before heading out.

“You can use the ANZ app to find the nearest ANZ ATM, Smart ATM or deposit ATM. The app shows you the location, hours and services available.”

ANZ Australia Official ATM Page

“The best way to avoid ATM fees is to use your own bank’s ATMs or those of a fee-free partner. Always check the screen before confirming a withdrawal—the fee will be displayed.”

Finder.com.au (Australian consumer financial comparison site)

For those seeking advanced self-service options, our guide to ANZ Smart ATM locations covers deposit machines and fee-free withdrawals in detail.

Frequently asked questions