Help & Support


Making deposits

You can make a deposit to your accounts in store, at an ATM, or freepost through the mail.

Making a deposit at an ATM

We have around 160 ATMs nationwide that accept deposits. There are three different deposit functions available:

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 are able to deposit notes and cheques at BNZ ATMs that accepts deposits in the form of an envelope or bag. Follow simple instructions on the ATM to complete the deposit. Clearance times vary by the store*.

Find your nearest BNZ ATM that accepts deposits.

Coin only deposits

Coin machines are being introduced alongside some of our Smart ATMs 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 deposit is credited immediately to your account, and will show as part of your Available Balance.

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

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

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.

Need deposit bags?

Save time and direct order Express Deposit bags and coin bags online.

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.