Ways to deposit cash and cheques

Self-service options

Avoid branch queues and learn how to use our self-service machines and digital banking options. They’re fast, easy and secure.

Digital cheque deposits

Use the NAB app to deposit cheques from your mobile device. You can deposit up to $5,000 in cheques over a seven-day period without the need to go to a branch. Available for both business and personal banking.

Express Business Deposits

The Express Business Deposit (EBD) service allows you to deposit cash in a tamper-proof plastic bag at any EBD collection point. An EBD collection point is any NAB branch with an Express Business Deposit Machine, Business Express Machine or EBD chute.

You can deposit:

• AUD cash (notes only) with a minimum deposit of $500.
• AUD cash (notes and coins) with a minimum deposit of $500, with coins not to exceed $300, of which no more than $100 can be silver coin (due to weight limitations).
• AUD cash (coins only) with a maximum deposit of $300, of which no more than $100 can be silver coin (due to weight limitations) – there is no minimum deposit for coin-only EBD bags.

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

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

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. 

You can find Express Cheque Deposit envelopes and deposit instructions at NAB branches.

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 also include reference text on deposits.

You can deposit:

• Up to $10,000 cash per account, per day in real time (limited up to $5,000 per individual deposit) into a NAB bank account.
• Up to $4,999.99 per cheque, each individual cheque must be below $5,000 (cheques take three days to clear). 
• Up to 50 notes and cheques at a time in the following combinations:
  
  • up to 50 notes of mixed denominations per transaction, up to $10,000 cash deposit per day, per account
  • up to 50 cheques per transaction, if each individual cheque is below $5,000
  • up to 50 units of cash and cheques, if each individual cheque is below $5,000.

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

You can use our locations tool to find your closest machine and when you can access it. 

Coin Deposit Machines

Coin Deposit Machines let you deposit up to $5,000 worth of Australian coins each day into a NAB transaction or savings account. They save time as you don’t need to wait for a teller or count coins yourself.

Deposits are processed to your nominated account at the close of business each day. If your deposit occurs after hours or on a non-business day, it will be processed at the close of business on the next business day. The Coin Deposit Machine will give you a receipt confirming your deposit.

To use a Coin Deposit Machine, you’ll need a NAB card linked to a NAB transaction or savings account.

Coin Deposit Machines are available at many branches across Australia. You can use our locations tool to find your closest machine and when you can access it.

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 3,400 Australia Post outlets across Australia. It’s available to personal and business banking customers as a convenient and flexible way to make cash or cheque deposits.

All you need is a PIN and chip-enabled NAB debit card or credit card linked to your NAB transaction account and you can start banking at Australia Post. If you’re a business customer, you can deposit cash and cheques using barcoded deposit slips linked to your nominated NAB transaction account.

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 99 cheques per transaction with a value up to $999,999.99
• check your account balance
• receive a receipt for each Bank@Post transaction.

Express Business Deposit (EBD) service is not available at Australia Post.

You can use our locations tool to find your closest Australia Post outlet with Bank@Post services and its opening hours.

In any NAB Branch

You can make over the counter deposits at any NAB branch with teller services. You can use our locations tool to find your closest NAB branch and its opening hours.

Check which deposit option best suits your banking needs