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rugrat

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#293381 17-Jan-2022 16:43
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An ATM in Barrington mall when use it ANZ only offers fast cash.

 

I have a BNZ credit card, which I can access SAV, and CHQ on.

 

Problem is if I use fast cash at ATM, it comes off credit card as cash advance. So I need to be able to select the account money to come from, which fast cash does not allow.

 

I got caught out by it once and as a goodwill jester BNZ refunded interest and fees charged. I also asked if fast cash could have money come out of a bank account by default, which I got told cannot be done with the credit card.

 

With ANZ only allowing fast cash it makes a mockery of being able to use other banks ATM’s as I’m going to get strung heavily for using it.

 

I don’t know if it’s only the Barrington Mall one set up that way?, as if it’s just that one, then there are BNZ ones in same area, that do let me pick account money to come from when using credit card.

 

 

 

If they are all that way, then either I can’t use ANZ machines, or else as well as carrying credit card, will need to carry EFT POS card as well, just seems crazy to me that Fast Cash is only option that I can see.


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Linux
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  #2852341 17-Jan-2022 16:48
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Ask for a bnz eftpos card or block cash withdrawals from the cc in the bnz App

Edit: I have ATM off

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rugrat

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  #2852347 17-Jan-2022 16:59
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Linux: Ask for a bnz eftpos card or block cash withdrawals from the cc in the bnz App

Edit: I have ATM off

 

I have an EFTPOS card I haven’t used in years. Just seems backward needing to carry that as well as credit card when credit card can access other accounts.

 

If I turn ATM off,  wouldn’t that also block the withdrawal from the BNZ machine as well?, as I think it blocks the card, not the account being used from the card.

 

Sometimes I make a withdrawal for someone with an ANZ card, same machine also only offers cash advance. They have a debit card as well as credit, so get around it by using their debit one.

 

Yep, if plan ahead or go on holiday looks like need to take Eftpos card as well.


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  #2852358 17-Jan-2022 17:22
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It sounds like a fault / flaw that needs to be reported to ANZ.

 

In the past, I was definitely able to select CHQ or SAV on my credit cards with ANZ. I am willing to give them the benefit of the doubt on this (as opposed to suggesting that they disabled it deliberately to force cash advances). It will be a serious pain in the behind if I have to start carrying separate EFTPOS cards again. 





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Goosey
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  #2852370 17-Jan-2022 17:42
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Are you sure you are not missing the option to not use fast cash…..somtimes it’s smaller text….

 

Otherwise pop into the supermarket, buy somthing and ask for cash out.

 

 

 

easy.


rugrat

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  #2852375 17-Jan-2022 17:57
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It’s possible I’m missing something. I’ve used machine several times with ANZ card for other person, and look hard and not seen other option.

 

 

 

After PIN;

 

Fast Cash $20

 

Fast Cash $40

 

Fast Cash $60

 

Fast Cash $80

 

Fast Cash $100

 

and on far right option for balance.

 

 

 

There may be a $200 option as well. Maybe I’ll take a screen shot next time use machine. I think it may be just that machine at that location, I’ll test different ANZ when by it, could be a few weeks.

 

I’ve seen more people use BNZ one then that one, as from what I can see even ANZ customers get more choices using the BNZ one.


cshwone
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  #2852387 17-Jan-2022 18:32
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There does seem to be something whacky going on. I am with Westpac with a Debit Mastercard connected to my cheque account. Recently I have had both ANZ and Kiwibank ATM's not permitting Cash withdrawals as "Above my daily limit". Westpac say there shouldn't be a problem and, indeed with Westpac and BNZ that hasn't been the case but........................


cokemaster
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  #2852464 17-Jan-2022 20:21
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So - I've needed to withdraw some cash with my Westpac EFTPOS-Creditcard and found the following... 

 

With Westpac ATM, after PIN entry... option to Withdraw cash or use fast cash: 

 

 

With an ANZ ATM - same card:

 

Initial thoughts when I saw this- fast cash is the only option but to get the Cheque, Savings or Credit option... you need to key in the amount you wish to withdraw  and press enter without navigating to one of the menus.
It makes sense when you read it a second time, but I can easily see how it can be confusing when I'm used to clicking 'Withdraw Cash' on most other ATM's.

 






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boosacnoodle
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  #2852476 17-Jan-2022 20:48
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Ah so just some, arguably, bad UI design.


  #2852483 17-Jan-2022 21:10
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I find it interesting that they have space to add a normal Withdraw option above or below the Balance button. However these might actually be hidden buttons only available to ANZ cardholders so they may not actually have the space there after all.


rugrat

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  #2852508 17-Jan-2022 22:11
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Thank you so much cokemaster. I did think about trying to type in the amount to see what would happen, but then thought surely not.

 

 

 

KiwiSurfer I have put an ANZ card in and got same screen, Debit one and Credit one.


michaelmurfy
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  #2852524 17-Jan-2022 22:30
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With ANZ (and other banks) how the ATM works is "Fast Cash" is always out of the main account. How I explain this to others is it'll take it out of the account your PayWave takes it out of unless if you're an ANZ customer (or that banks customer) where you can set this to whatever account you like.

 

So, if I inserted my ANZ Credit Card into an ANZ ATM it'll use my Cheque account however if I inserted this into a Westpac or BNZ ATM and did the same thing it'll come out of my credit card as a cash advance.





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Oblivian
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  #2852569 18-Jan-2022 08:46
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I fell into this trap once upon a time using the paywave login method to withdrawal. Which ANZ machines allow. It sure was fast. But thought my everyday was set as default, wasn't so it also flogged it from the CC since you were similarly dropped into a bucket where account selection was stashed away (if there at all)

 

I've never used fastcash function when I've needed folding stuff. Always liked to enter the amount. Until they changed out to more 50s than 20s. Now I try Put in an odd amount in the hope it would decide to not give me so many $50s and a few more lower denominations. Feel like a chump asking dairy owners or buying a moro bar and needing to faff around being 'that guy' that needs 47 in small change back.


jamesrt
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  #2852620 18-Jan-2022 08:56
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Oblivian: Until they changed out to more 50s than 20s. Now I try Put in an odd amount in the hope it would decide to not give me so many $50s and a few more lower denominations. Feel like a chump asking dairy owners or buying a moro bar and needing to faff around being 'that guy' that needs 47 in small change back.

 

 

Surely an "odd" amount like $70 or $90 will result in 1x$50; plus 1 or 2x $20; whereas an even amount like $60 or $80 will guarantee 3 or 4 $20 bills (if you don't want the $50s).  Perhaps avoid $100 if you don't want 2x $50.

 

(as far as I know, it's either $20 or $50 notes from ANZ ATMs)

 

 


Oblivian
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  #2852683 18-Jan-2022 09:12
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They seem to happily give you as many 50s as they can. That's the change I refer to, some switched out to only 50/20.  Can still find the odd one with 20/10s.

 

Back in the day Put in 100 or 120. You use to get 5 or 6 20s. Sweet. Now, here have a few 50s and whatever we can make the rest up with, or say choose another amount. When I say odd, I don't pick the nice round denominations they suggest. But something to guarantee at least a 20 on top. And hope it's low on 50s :)

 

Infrequent these days anyway - only really to pay for some cash only stuff like my weekly team activity. Which I can pester the centre to do me a swap or cash out if need be (although that's not openly offered)


  #2852693 18-Jan-2022 09:30
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Westpac lets you choose exactly which notes you want. Don't think any other NZ bank do this AFAIK.


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