Hands up if you’ve struggled to find an ATM lately… I don’t mean an overpriced service station ATM; I mean a free, big four banks ATM.

If you’ve struggled, you’re not alone.

The big four banks in Australia, namely ANZ, Westpac, the Commonwealth Bank, and the NAB, have not only been shutting down bank branches (around 460 branches in the past three years), they are also rapidly removing ATMs.