Self-service options

There are several ways you can deposit cash and cheques yourself at NAB branches, without assistance from our staff.

Express Business Deposits

The Express Business Deposit (EBD) service allows customers to deposit cash in a tamper proof plastic bag at any EBD collection point. EBD is only available to business customers with eligible accounts.

You can deposit:

  • over $500 in notes and coins
  • less than $300 of coins only
  • no more than $100 of silver coins.

Deposits are credited on the same business day, subject to terms and conditions.

You can deposit your EBD bags at an EBD collection point. An EBD collection point is any NAB branch with an Express Business Deposit box or chute, an Express Business Deposit machine or at any other outlet NAB makes available as a collection point.

The Express Business Deposit service is available for business customers, so speak to your banker to find out more.

Read about the changes we’re making to EBD from 1 October 2021.

Third party cash collection solution

If you’re a business customer whose business has multiple locations you may be interested in exploring opportunities for cash collection. Speak with your banker to find out more.

Express Cheque Deposits

The Express Cheque Deposit (ECD) service allows customers to deposit cheques using a paper envelope, at any EBD collection point. ECD is available to all customers.

You can make AUD cheque deposits at any NAB branch.

Cheques deposited by 4pm may take up to two banking days to process, subject to terms and conditions. This doesn’t include third party cheques.

You can find Express Cheque Deposit envelopes and deposit instructions at NAB branches. You can deposit envelopes into a Business Deposit Machine, Business Express Machine or EBD collection point at any NAB branch.

You can also deposit cheques using the NAB app.

Smart ATMs

Smart ATMs allow you to perform basic transactions such as withdrawals, deposits, pin changes and balance enquiries for free. They’re available to all NAB customers.

Unlike traditional ATMs, Smart ATMs let you deposit cash and cheques into your NAB account in real time.

You can deposit up to:

  • $10,000 cash per account, per day in real time into a NAB bank account
  • $5,000 per cheque (cheques take three days to clear)
  • 50 notes and cheques at a time.

You can also include reference text on deposits.

How to deposit cash and cheques at a Smart ATM

Smart ATMs accept a maximum of 50 cheques or notes per transaction. This can be in the following combinations:

  • up to 50 notes of mixed denominations, up to $10,000 cash deposit per day, per account
  • up to 50 cheques, as long as each individual cheque is below $5,000
  • up to 50 units of cash and cheques, as long as each cheque is under $5,000.

Some Smart ATMs accept coins, but most accept notes only. You can deposit coins in an Express Business Deposit bag, a Coin Deposit Machine, or over the counter at a NAB Branch or Australia Post.

To use a Smart ATM you need a NAB card linked to a NAB account.

Smart ATMs are available at most NAB branches across Australia. Find your closest Smart ATM.

Coin Deposit Machines

Coin Deposit Machines let you deposit up to $3,000 worth of coins into a NAB account. They’re free, and you don’t need to wait for a teller or count the coins yourself.

Deposits are processed to your nominated account at the close of business each day. The Coin Deposit Machine will give you a receipt.

To use a Coin Deposit Machine you need a NAB card linked to a NAB Account.

Coin Machines are available at many branches across Australia. Check whether your local branch has a Coin Machine.

Over the counter

You can deposit cash and cheques at NAB branches or Australia Post outlets with assistance from staff.

Bank@Post

Bank@Post allows you to carry out your day to day banking at over 3,500 Australia Post outlets across Australia, for no additional charge. It’s available to personal and business banking customers as a convenient and flexible way to make cash or cheque deposits.

Bank@Post lets you:

  • make deposits in notes and coins of up to $9,999 per customer, per day
  • make cheque deposits of up to five cheques per transaction with a value up to $999,999.99
  • check your account balance
  • receive a receipt for each Bank@Post transaction.

Currently, you can't deposit EBD's at Australia Post.

To use Bank@Post you need a NAB card linked to a NAB account. Businesses can make a deposit with a barcoded deposit book

Bank@Post services are available at most Australia Post outlets across Australia. Find your nearest Australia Post outlet with Bank@Post services.

In any NAB Branch

You can make over the counter deposits of any amount at any NAB branch during opening hours.

Find your nearest branch.

Check which deposit option best suits your banking needs

I want to Amount Your options

Make a cash deposit containing both notes and coins

Amount
Over $500
Your options
  • Deposit using an Express Business Deposit bag at any EBD collection point
  • Deposit notes using a Smart ATM, and
  • coins using an Express Business Deposit bag at any EBD collection point or Coin Deposit Machine
  • Deposit over the counter at a NAB Branch or Australia Post outlet

Make a cash deposit containing both notes and coins

Amount
Less than $500 of notes and coins
Your options
  • Deposit notes using a Smart ATM, and
  • coins using an Express Business Deposit bag at any EBD collection point or Coin Deposit Machine
  • Deposit over the counter at a NAB Branch or Australia Post outlet

Make a cash deposit containing both notes and coins

Amount
Less than $500 of notes only
Your options
  • Deposit using a Smart ATM
  • Deposit over the counter at a NAB Branch or Australia Post outlet

Make a coin deposit

Amount
Over $300
Your options
  • Deposit multiple Express Business Deposit bags of no more than $300 each at any EBD collection point
  • Deposit via Coin Deposit Machine
  • Deposit over the counter at a NAB Branch or Australia Post outlet

Make a coin deposit

Amount
Under $300
Your options
  • Deposit using an Express Business Deposit bag at any EBD collection point
  • Deposit via Coin Only Machine
  • Deposit over the counter at a NAB Branch or Australia Post outlet 

Deposit a cheque

Amount
Any amount
Your options
  • Deposit via Express Cheque Deposit envelope
  • Deposit via Smart ATM, up to $5,000 per cheque
  • Deposit via Mobile Cheque Deposit in Internet Banking
  • Deposit over the counter at a NAB Branch or Australia Post outlet

Important information