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 Smart ATMs, CDMs and CEMs attached to a branch¹	Westpac branded ATMs and St.George, Bank of Melbourne or BankSA branded ATMs not attached to a branch	Other ATMs
Withdraw cash Withdraw cash with or without your card using Cardless Cash² Deposit notes and cheques with or without your card (at most branch locations) Deposit coins via CDM (at some branch locations) Exchange notes via CEM (at some branch locations) Get account balances and balance summaries Transfer money between linked accounts Change your PIN (if you know your existing PIN) Obtain a mini transaction history²	Withdraw cash Withdraw cash with or without your card using Cardless Cash² Get account balances and pay no ATM operator fee Deposit notes (no cheques) at Westpac branded Smart ATMs attached to a branch¹	Access to your accounts is also available through other ATMs (including overseas bank ATMs) which allow you to obtain account balances or withdraw funds. Other restrictions may also apply. Fees These ATMs may apply an ATM operator fee by the ATM owner, which may be brought to your attention before you proceed with your transaction. 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 Smart ATMs, CDMs and CEMs attached to a branch¹

Westpac branded ATMs and St.George, Bank of Melbourne or BankSA branded ATMs not attached to a branch

Other ATMs

Withdraw cash

Withdraw cash with or without your card using Cardless Cash²

Deposit notes and cheques with or without your card (at most branch locations)

Deposit coins via CDM (at some branch locations)

Exchange notes via CEM (at some branch locations)

Get account balances and balance summaries

Transfer money between linked accounts

Change your PIN (if you know your existing PIN)

Obtain a mini transaction history²

Withdraw cash

Withdraw cash with or without your card using Cardless Cash²

Get account balances and pay no ATM operator fee

Deposit notes (no cheques) at Westpac branded Smart ATMs attached to a branch¹

Access to your accounts is also available through other ATMs (including overseas bank ATMs) which allow you to obtain account balances or withdraw funds. Other restrictions may also apply.

Fees

These ATMs may apply an ATM operator fee by the ATM owner, which may be brought to your attention before you proceed with your transaction.

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 withdraw cash or view account balances at any St.George, Bank of Melbourne or BankSA, Westpac, or select partner ATMs free from the ATM operator fee.

Deposit verification & processing times

ATMs and Coin Deposit Machines (CDMs)

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

For ATMs

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

Note deposits are credited to your account on that day³
For St.George, Bank of Melbourne and BankSA 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 Smart ATMs.

For CDMs

The amount validated by the online CDM is the amount that will be credited to your account. When depositing coins into aSt.George, Bank of Melbourne or BankSA branded online CDM, coin deposits are credited to your account on the day ³ the deposit is made.

Deposit limits

Within any 24-hour period, a deposit limit may apply to the cash that can be deposited at a St.George, Bank of Melbourne, BankSA or Westpac branded Smart ATM, CDM– refer to the table below. Such cash deposit limits may change from time to time at our discretion:

Deposit at	Then, you can deposit up to
St.George, Bank of Melbourne or BankSA or Westpac Smart 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 deposit 40 cheques at a time, no limits apply
Coin Deposit Machine	$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
Report anything suspicious on 1800 022 022, even if it appears to be trivial – your action could prevent others from being the victim of ATM fraud
Never give your PIN to anyone or write it down
Check for any unusual transactions on your bank statements.

Call 1800 022 022 anytime for any ATM enquiries and service difficulties.

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

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
Call 1800 022 022 anytime.

ATM Partners

St.George, Bank of Melbourne and BankSA customers may conduct ATM transactions free of the ATM operator fee at Westpac and eligible Westpac Group partner ATMs (Precinct) located in Australia, Global Alliance ATMs, and Westpac Group partner ATMs overseas.

Refer to the Branch and ATM Locator for partner ATMs that don't charge an ATM operator fee.

Accessibility

Multi-lingual ATMs

Our ATMs screens are displayed in English as well as Chinese, 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 day⁴ 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

You may also be able to do these activities at selected ATMs not attached to a branch.
Only available for certain transaction, savings and investment accounts.
Processing and cut-off times will vary depending on the time of day the cash deposit is made at a Smart ATM or CDM.
A business day means any day other than a Saturday, Sunday, or a national public holiday in Australia.