Our ATMs

Our lives are 24/7 and we need to be able to do our banking anytime. With our network ofSt.George, Bank of Melbourne or BankSA and Westpac ATMs, you can do your banking when it suits.

Information on ATMs

Accessing your transaction or savings account at an ATM

What you can do at:

St. George, BankSA or Bank of Melbourne branded ATMs, CDMs and CEMs	Westpac branded ATMs, CDMs and CEMs	Other ATMs
St.George, BankSA and Bank of Melbourne branded ATMs Withdraw cash Get account balances Additional features available at most St.George, BankSA and Bank of Melbourne branded ATMs attached to a branch Deposit notes and cheques with or without your card Get account balance summaries Transfer money between linked accounts Change your PIN (if you know your existing PIN) Obtain a mini transaction history (up to the last 10 transactions)¹ St.George, BankSA and Bank of Melbourne branded Coin Deposit Machines (CDM) at some branch locations Deposit coins St.George, BankSA and Bank of Melbourne branded Cash Exchange Machines (CEM) at some branch locations Exchange notes for coins or smaller notes	Westpac branded ATMs Withdraw cash Get account balances Additional features available at most Westpac branded ATMs attached to a branch Deposit notes with or without your card Westpac branded Coin Deposit Machines (CDM) at some branch locations Deposit coins Westpac branded Cash Exchange Machines (CEM) at some branch locations Exchange notes for coins or smaller notes	Withdraw cash Get account balances Fees While many of the major bank ATMs are fee-free, other operators may charge an ATM operator fee that will vary depending on the ATM you're using. The fee will be displayed on the ATM screen at the time of the transaction for you to either accept or decline before proceeding. The ATM operator fee will be debited on the day (or next business day) of the transaction and itemised separately on your statement. Refer to the relevant section(s) in the terms and conditions for your transaction or savings product(s) (e.g., under ‘fees and charges’ or ‘Understanding your fees and charges’) for more information.

St. George, BankSA or Bank of Melbourne branded ATMs, CDMs and CEMs

Westpac branded ATMs, CDMs and CEMs

Other ATMs

St.George, BankSA and Bank of Melbourne branded ATMs

Withdraw cash
Get account balances

Additional features available at most St.George, BankSA and Bank of Melbourne branded ATMs attached to a branch

Deposit notes and cheques with or without your card
Get account balance summaries
Transfer money between linked accounts
Change your PIN (if you know your existing PIN)
Obtain a mini transaction history (up to the last 10 transactions)¹

St.George, BankSA and Bank of Melbourne branded Coin Deposit Machines (CDM) at some branch locations

Deposit coins

St.George, BankSA and Bank of Melbourne branded Cash Exchange Machines (CEM) at some branch locations

Exchange notes for coins or smaller notes

Westpac branded ATMs

Withdraw cash
Get account balances

Additional features available at most Westpac branded ATMs attached to a branch

Deposit notes with or without your card

Westpac branded Coin Deposit Machines (CDM) at some branch locations

Deposit coins

Westpac branded Cash Exchange Machines (CEM) at some branch locations

Exchange notes for coins or smaller notes

Withdraw cash
Get account balances

Fees

While many of the major bank ATMs are fee-free, other operators may charge an ATM operator fee that will vary depending on the ATM you're using. The fee will be displayed on the ATM screen at the time of the transaction for you to either accept or decline before proceeding.

The ATM operator fee will be debited on the day (or next business day) of the transaction and itemised separately on your statement.

Refer to the relevant section(s) in the terms and conditions for your transaction or savings product(s) (e.g., under ‘fees and charges’ or ‘Understanding your fees and charges’) for more information.

You can access all transactions atSt.George, Bank of Melbourne or BankSA and Westpac branded ATMs, CDMs and CEMs and Westpac Group partner ATMs free of ATM operator fee.

Please note, if you are a credit card cardholder, you can make payments to your card account at aSt.George, Bank of Melbourne or BankSA ATM by:

Making a deposit to the card account
Transferring funds from linked accounts

Deposit verification & processing times

ATMs and Coin Deposit Machines (CDMs)

Deposits you make at a St.George, Bank of Melbourne or BankSA or Westpac branded ATM or CDM are subject to verification by us.

For ATMs

The amount validated by the ATM and then agreed by the depositor is the amount that will be credited to your account. When depositing into a St.George, Bank of Melbourne or BankSA or Westpac branded ATM:

Note deposits are credited to your account on that day²
For St.George, Bank of Melbourne and BankSA ATMs only: cheque deposits are credited to your account that day but are not available for withdrawal until all funds have been cleared. Cheques cannot be deposited at Westpac branded ATMs.

For CDMs

The amount validated by the CDM is the amount that will be credited to your account. When depositing coins into a St.George, Bank of Melbourne or BankSA branded CDM, coin deposits are credited to your account on the day ² the deposit is made.

Deposit limits

Deposit limits may apply to cash deposits made at any St.George, Bank of Melbourne, BankSA or Westpac branded ATM or CDM within a 24-hour period (refer below). Cash deposit limits may change at our discretion.

Deposit at	Then, you can deposit up to
St.George, Bank of Melbourne or BankSA or Westpac ATM	$10,000 cash (notes) per account using your St.George, Bank of Melbourne or BankSA card $4,000 cash (notes) per account, using cardless deposit¹ 40 cheques at a time, no limits apply
St.George, Bank of Melbourne, BankSA or Westpac CDM	$10,000 cash (coins) per account using your St.George, Bank of Melbourne or BankSA card

ATM security tips

Be aware of your surroundings
Stand close to the ATM and use your free hand to shield and cover the keypad when entering your PIN
Before inserting your card, check if there is anything unusual on or around the ATM, especially right around the card reader slot
Do not push your card during the entry process and do not pull your card during the exit process
Never give your PIN to anyone or write it down
Check for any unusual transactions on your bank statements.

Using ATMs overseas

When travelling overseas, St.George, Bank of Melbourne and BankSA customers can save on ATM fees by using Global Alliance and Partner ATMs. Learn more about our Global Alliance and partner ATMs and read our helpful hints.

ATM Locator

Find your nearest ATM, CDM or CEM

Online using our Find a Branch or ATM locator
iPhone, Android and by using our Mobile Banking app available from the App Store on your phone

You can tailor your search to your needs by expanding the Refine Search bar. Choose your preferred self-service type and other features from the dropdown menu.

ATM Partners

St.George customers can make ATM transactions free of the ATM operator fee at eligible Westpac Group partner ATMs located in Australia

What you can do

At Precinct ATMs:

Withdraw cash
Get account balances
Choose from the following languages: English, Chinese (Traditional & Simplified), Italian, Vietnamese, Korean, Japanese, Malaysian, Bahasa Indonesia, Spanish, French and Arabic.

At atmx by Armaguard ATMs:

Withdraw cash
Get account balances
Choose from the following languages: English, Chinese (Traditional & Simplified), Arabic, Italian, Japanese, Korean, Spanish and Vietnamese.

Use our Find a branch or ATM Locator to find your nearest Westpac Group partner ATM.

Accessibility

Multi-lingual ATMs

Our ATM screens are displayed in English as well as Chinese (Traditional & Simplified), Korean, Vietnamese, Hindi, Bahasa Indonesia, Arabic, Italian and Japanese.

Audio Enabled ATMs

All of our ATMs provide audio guidance when transacting. Use any standard 3.5mm earpiece and our audio enabled ATMs will give clear verbal instructions in English and provide confirmation of your selections at each step. The tactile labelling at the ATM can assist you with:

Plugging in your earpiece
Inserting your card
Getting your cash and receipt

You can locate an audio enabled ATM by using our branch and ATM locator or ask at your local branch for a demonstration on talking ATMs.

Bank@Post

What you can do

At participating Post Offices, you can:

Withdraw cash (up to a daily limit of $1,000). However, cash cheque withdrawals are not permitted.
Make cash and cheque deposits (up to a daily limit of $7,000 for cash and less than $1 million for cheques. For mixed cash and cheque deposits, the total limit is less than $1 million per customer, of which no more than $7,000 can be cash).
Have your identity verified (for new St.George customers).
Make account balance enquiries.

Cash deposits after 6:50pm (Sydney time) at participating Bank@Post outlets on a business day³ or at any time on any other day, will not be processed until the next business day despite appearing immediately as available balance in your account, and may impact the interest accrual calculation on your account.

Important information

Only available for certain transaction, savings and investment accounts. You must be 18 years or older to use cardless cash deposits.
Processing and cut-off times will vary depending on the time of day the cash deposit is made at an ATM or CDM.
A business day means any day other than a Saturday, Sunday, or a national public holiday in Australia.