Help & Support


Making deposits to your account

You can make a deposit into your account:

New self-service ATMs
We’re rolling out a new range of self-service ATMs  called Smart ATMs, across some of our busiest stores. Smart ATMs make it easier and faster to deposit notes, coins (and soon cheques) because you don't need to use an envelope, bag, card, or deposit slip.  Find out more about Smart ATMs.

Deposits at an ATM

We have around 160 ATMs nationwide that accept deposits of notes and cheques or coins. 

Deposit ATMs are available 24/7, unless they’re located in store or in a shopping mall where restricted hours may apply.

Notes and cheques

You can deposit notes and cheques at:

Follow simple instructions on the ATM to complete the deposit. Clearance times vary by location*.

Coin only deposits

You can deposit coins at some ATMs at our busiest stores.  More coin deposit ATMs will be introduced over 2016 and early 2017.

Coin only deposits can be initiated using your BNZ debit cards or deposit cards. You cannot use your BNZ credit card, even if it is a dual card linked to your transaction account.

Clearance times
Your confirmed coin deposits are credited immediately to your account, and will show as part of your Available Balance.

Deposits in store

We have more than 170 stores nationwide and they all have an express deposit tower. This means if you’re depositing less than $10,000, there’s no need to wait in a queue. 

Express Deposit bags

Put your cash, cheques and deposit slip into one of the Express Deposit bags. If you are only depositing cheques, put your cheques and deposit slip into the ziplock Express cheque deposit bag and drop it in the tower.

Save time by ordering Express Deposit bags and coin bags online.

Freepost through the mail

With our freepost deposit service you can deposit cheques, but not cash, through the mail. Just pick up some freepost deposit envelopes from one of our stores and you’re ready to go. There’s no extra charge and you won’t pay postage. 

Your freepost deposits will show on your bank statement like any other deposit. And when you’re running out of envelopes you can order some more using the re-order form on each envelope.

Smart ATM deposits

Smart ATMs  are a new self-service option for depositing notes, coins (and soon cheques) without having to use an envelope, bag, card, or deposit slip. 

We are currently rolling out our Smart ATM locations and by mid next year, we will have Smart ATMs in 35 of our stores.

Smart ATM features

  • Cash deposits are credited to your account immediately so you don’t have to wait for funds to clear.
  • Deposit up to 50 notes in New Zealand currency (less than $10,000 in total)
  • Deposit up to 600 coins in New Zealand currency (less than $10,000 in total).
  • Automatically totals your cash, and provides a deposit receipt which includes a breakdown of all notes, coins, and their denominations.
  • Cardless deposits into a BNZ transaction account using only the account number, and the first and last names of the depositor.

More features to be rolled out by the end of 2016 include cheque deposits without a deposit slip, and deposits to credit card accounts.

Find a Smart ATM

Were you looking for current Term Deposit rates?

Go to Term Deposits and choose the option that suits your savings goal or investment needs.

Small Print

*Clearance times
Cash deposits made before 4.30pm on normal business days will become cleared funds in your account within two business days. If you make your deposit after 4.30pm or on a weekend, it will be collected on the next business day and cleared within the next two business days. Cheques are subject to normal clearance times.