FAQs

Who do I contact when my card is captured?

You will need to contact your financial institution for any issues with an atmx including transactions, your card or the cash dispensed.

How do I contact atmx?

Easy. Use the contact form to get in touch.

I have forgotten my pin number (PIN)?

You will need to contact your financial institution.

What is direct charging?

The Reserve Bank of Australia made a change in March 2009 to the ATM industry, and ATM owners now charge cardholders directly for using their machines. This simply means when a fee is applicable a message will display on the ATM letting you know there will be a charge if you proceed.

What is a direct charge fee?

A direct charge fee is what an ATM owner charges a cardholder directly for using their ATMs. To avoid a direct charge fee at an atmx, your financial institution must be a partner of the atmx network.

What does no transaction fee mean?

The Reserve Bank of Australia made a change in March 2009 to the ATM industry, and ATM owners now charge cardholders directly for using their machines. This simply means when a fee is applicable a message will display on the ATM letting you know there will be a charge if you proceed.

A direct charge fee is what an ATM owner charges a cardholder directly for using their ATMs. To avoid a direct charge fee at an atmx, your financial institution must be a partner of the atmx network.

If your financial institution is a partner of the atmx network, you will not incur a direct charge fee (no transaction fee) for conducting withdrawals and balance enquiries.

ANZ cardholder terms and conditions

*Terms and conditions apply. No transaction fee access relates to the following: a successful cash withdrawal and an account balance query. Daily withdrawal limits may apply.

For certain ANZ cards, withdrawals from ATMs may attract interest and you may also have to pay a cash advance fee. Visit https://www.anz.com.au/ways-to-bank/atms/ for  more information.

Westpac cardholder terms and conditions

*There is no direct charge fee (no ATM operator fee) for Westpac cardholders who make a cash withdrawal and balance enquiry at an atmx.

Fee-free access relates to the following: a cash withdrawal and an account balance enquiry using a Westpac debit card linked to a personal or business transaction account. Daily cash withdrawal limit applies.

For certain Westpac cards, withdrawals from ATMs may attract a fee or a fee and interest may apply to cash advances. Visit Westpac ATM Features or www.westpac.com.au/terms-conditions for your card’s terms and conditions.

St.George Bank cardholder terms and conditions

*There is no direct charge fee (no ATM operator fee) for St.George cardholders who make a cash withdrawal and balance enquiry at an atmx.

Fee-free access relates to the following: a cash withdrawal and an account balance enquiry using a St.George debit card linked to a personal or business transaction account. Daily cash withdrawal limit applies.

For certain St.George cards, withdrawals from ATMs may attract a fee or a fee and interest may apply to cash advances. Visit St.George Our ATMs or www.stgeorge.com.au/terms-conditions for your card’s terms and conditions.

Bank of Melbourne cardholder terms and conditions

*There is no direct charge fee (no ATM operator fee) for Bank of Melbourne cardholders who make a cash withdrawal and balance enquiry at an atmx.

Fee-free access relates to the following: a cash withdrawal and an account balance enquiry using a Bank of Melbourne debit card linked to a personal or business transaction account. Daily cash withdrawal limit applies.

For certain Bank of Melbourne cards, withdrawals from ATMs may attract a fee or a fee and interest may apply to cash advances. Visit Bank of Melbourne Our ATMs or www.bankofmelbourne.com.au/terms-conditions for your card’s terms and conditions.

BankSA cardholder terms and conditions

*There is no direct charge fee (no ATM operator fee) for BankSA cardholders who make a cash withdrawal and balance enquiry at an atmx.

Fee-free access relates to the following: a cash withdrawal and an account balance enquiry using a BankSA debit card linked to a personal or business transaction account. Daily cash withdrawal limit applies.

For certain BankSA cards, withdrawals from ATMs may attract a fee or a fee and interest may apply to cash advances. Visit BankSA Our ATMs or www.banksa.com.au/terms-conditions for your card’s terms and conditions.

RAMS cardholder terms and conditions

*There is no direct charge fee (no ATM operator fee) for RAMS cardholders who make a cash withdrawal and balance enquiry at an atmx.

Fee-free access relates to the following: a cash withdrawal and an account balance enquiry using a RAMS Debit Card to access your RAMS account. Daily cash withdrawal limit applies.

Visit www.rams.com.au for your card’s terms and conditions.

P&N Bank cardholder terms and conditions

*Terms and conditions apply. No transaction fee access relates to the following: a successful cash withdrawal and an account balance query. Daily withdrawal limits may apply. For certain cards, withdrawals from ATMs may attract interest and you may also have to pay a cash advance fee. Visit https://www.pnbank.com.au/legal/terms-conditions/ for card terms and conditions.

BCU Bank cardholder terms and conditions

 *Terms and conditions apply. No transaction fee access relates to the following: a successful cash withdrawal and an account balance query. Daily withdrawal limits may apply. For certain cards, withdrawals from ATMs may attract interest and you may also have to pay a cash advance fee. Visit https://www.bcu.com.au/important-documents for card terms and conditions.

RACQ Bank cardholder terms and conditions

*Banking and loan products issued by Members Banking Group Limited ABN 83087651054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. Please visit https://www.racq.com.au/banking/forms-and-documents for more information.

Suncorp Bank cardholder terms and conditions

*Terms and Conditions apply. Fee-free access relates to the following: a successful cash withdrawal and an account balance enquiry using a Suncorp Bank Visa Debit or Suncorp Bank eftpos card Visit www.suncorp.com.au/atms for more information and terms and conditions.

Horizon Bank cardholder terms and conditions

*Normal transaction fees may apply. See horizonbank.com.au more information: https://horizonbank.com.au/more/important-info/fees-and-charges/

Broken Hill Community Credit Union cardholder terms and conditions

*Terms and conditions apply. Please visit https://mybhccu.com.au/ for more information

Central Murray Credit Union Limited cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.cmcu.com.au/ for more information

Police Bank cardholder terms and conditions

*Terms and conditions apply. Please visit for more information.https://www.policebank.com.au/important-documents

Police Credit Union cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.policecu.com.au/terms-conditions/ for more information.

Central West Credit Union cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.cwcu.com.au for more information.

GMCU cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.gmcu.com.au/ for more information.

BNK cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.goldfieldsmoney.com.au/resources/downloads/ for more information.

Orange Credit Union cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.orangecu.com.au/disclosure-documents for more information.

Warwick Credit Union cardholder terms and conditions

*Terms and conditions apply. Please visit https://www.wcu.com.au/ for more information.

What does ATM stand for?

ATM is the acronym used for automatic teller machine. But we’ve heard some good ones, like any time money, which really works just as well.

The incorrect amount of money was dispensed from the ATM, who do I contact?

Please contact your financial institution to lodge a transaction dispute in order for it to be investigated.

What is an EMV?

EMV stands for Europay, Mastercard and VISA, a global security standard for cards with chips.

What security features do an atmx have?

atmx is owned and operated by Armaguard, the most trusted provider in currency management. Each atmx provides a number of enhanced security features to protect your transactions.

How much money can I withdraw from an atmx in one day?

You can withdraw up to your daily card cash withdrawal limit, please contact your financial institution to confirm this amount.

Can I change my pin on an atmx?

Many cardholders are able to change their PIN at an atmx. You’ll know if you are able to change your PIN at an atmx if you see the ‘change PIN’ option or you are provided with that option in the ‘Other Services’ option on the screen after you’ve entered your current PIN.

What is card skimming?

Card skimming is the theft of your account data (which is recorded in the magnetic strip on the back of your ATM card). This theft is carried out by criminals attaching electronic card reading devices to the top of the card readers.

Usually, card skimming is supported by a camera or other devices placed over the existing keypads to record PINs as they are entered. Technology can also be used to wirelessly transmit captured data to other devices or criminals waiting nearby. This is why it is so important to cover your hand when entering your PIN.

Stolen card data can be used to duplicate cards and is used with the captured PIN to steal money from bank accounts.

What can I do about card skimming?

The devices used by criminal card skimmers can be very hard to detect. We regularly check our ATMs for illegal attachments.

If there are signs that the ATM has been tampered with or that the card reader or keypad just doesn’t seem quite right, please do not to proceed with your transaction and notify your financial institution immediately.

If you notice any unusual transactions on your account, you should notify your financial institution immediately.