When Will The Ad Invasion Stop, CBA to Introduce Ads to ATMs

knobbs on 09/11/2024 - 09:32
Last edited 09/11/2024 - 15:22 by 2 other users

Commonwealth Bank introduces ads on ATMs: ‘Australian banking first’

Am I the only one that is disgusted with every single company pushing more and more ads into everything we do in life? CBA are set to introduce their own "media network", which will run on ATMs. Reading further it just seems like a way for them to introduce ads while you use the ATM.

A couple of quotes from the article:

CBA chief marketing officer Jo Boundy said the launch was a “significant step” for the bank and would improve customer experience and “deepen the connection between content and commerce”.

Improve my customer experience by showing me ads you make money from?

A CBA spokesperson confirmed to Yahoo Finance the ad may appear before or after ATM transactions, or while it's processing. There will be no disruption to ATM transactions.

No disruption to us while preventing us from using the ATM while you show an ad?

It feels like when Apple started to remove wall chargers and put it down to e-waste rather than them making/saving more money. Now CBA with ads that will "improve" my ATM use.

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Comments

MS Paint on 09/11/2024 - 09:36

+54

For the once a year I use an ATM it will just be a mere novelty.
- Clear on 09/11/2024 - 12:29
  
  Where do you deposit the bucket loads of cash?
  - MS Paint on 09/11/2024 - 12:36
    
    +15
    
    I use that to pay off bikies.
    - DashCam AKA Rolts on 09/11/2024 - 13:03
      
      Thought you had to use bitcoin for that.
    - Clear on 09/11/2024 - 15:45
      
      +1
      
      Which they use to buy gold at Perth Mint! No background checks required.
  - cfuse on 10/11/2024 - 10:27
    
    Whores.
    - Clear on 10/11/2024 - 11:01
      
      For sure. Expect 10-20% surcharge in Surry Hills/Haymarket 🤔
  - rooster on 12/11/2024 - 08:27
    
    CBA have also just removed the cardless cash capability from the app.
    - timhn on 12/11/2024 - 13:21
      
      It's now calls QR Cardless withdrawal. Just used this morning.
- grasstown on 10/11/2024 - 21:06
  
  people are so stupid, honestly. they think this is just for ATMs and have no idea that it is much easier to introduce ads to online banking. They are just not introducing it yet so that people get rid of ATMs first
SBOB on 09/11/2024 - 09:39

+15

Isn't the simple solution to not use a CBA atm and , if need be, change banks?

You're the consumer, so if a companies actions annoy or offend you, use your actions.

If the 'straw that broke the camels back' with regards to advertising for you is it being displayed on an ATM, which you'd likely use for about 30s on the rare occasions you'd need to use it, while having already walked through a shopping centre literally surrounded by advertising, then I'm impressed :)
- knobbs on 09/11/2024 - 11:57
  
  +4
  
  Yes I won't be using CBA, and I posted here to gather other opinions on it.
  
  Ads in the shopping centre don't stop me doing what I want. They are just in peripheral vision, I'm not wasting my time waiting for an ad to proceed in what I'm doing. Vastly different
  - SBOB on 09/11/2024 - 12:01
    
    +4
    
    wasting my time waiting for an ad to proceed in what I'm doing
    
    Doesn't seem so, you even included the quote saying it won't.
    
    the ad may appear before or after ATM transactions, or while it's processing. There will be no disruption to ATM transactions.
    
    Seems they just using their atm screens as another 'billboard' showing ads when no one's using it, and then during that time it would normally show 'processing' where they usually just showed their own comm bank services/advertising.
    
    I posted here to gather other opinions on it.
    
    And down vote the ones you didn't agree with :)
    - knobbs on 09/11/2024 - 13:51
      
      -2
      
      So you don't think waiting for an ad to disappear before you can do your transaction on the ATM is going to be a disruption?
      Haven't downvoted, just shows not everyone agrees with your opinion of it not being a disruption I guess, or your ability to compare shopping centre screen/billboard advertisement to ones on ATMs. I don't know, go make a thread and ask why there?
      - SBOB on 09/11/2024 - 13:52
        
        +1
        
        @knobbs:
        
        So you don't think waiting for an ad to disappear before you can do your transaction on the ATM is going to be a disruption?
        
        where does their comment/description say this would happen?
        
        knobbs on 09/11/2024 - 13:55
        
        +2
        
        @SBOB: The quote from the CBA rep that says the ad will be either before or after the transaction, hence not being on the middle to disrupt it
        
        SBOB on 09/11/2024 - 14:08
        
        @knobbs: Guess it depends on when the "transaction" starts, I would assume once you insert your card, as it would then prompt for your pin. Perhaps our interpretations of their wording differs.
        
        but either way, use your consumer power and refuse to use their services.
        
        knobbs on 10/11/2024 - 08:09
        
        +1
        
        @SBOB: Yeah I can see it your way I guess, time will tell.
        Already have dropped them
  - p1 ama on 10/11/2024 - 13:15
    
    Yes I won't be using CBA, and I posted here to gather other opinions on it.
    
    Not really, you posted here to have a whinge about it, otherwise, you would not be arguing with everyone who says that it's not a big deal for them.
    
    Ads in the shopping centre don't stop me doing what I want. They are just in peripheral vision, I'm not wasting my time waiting for an ad to proceed in what I'm doing. Vastly different
    
    You can compare it to ones that do - ads before YouTube videos, commercial breaks on TV…etc.
    
    FWIW, I do agree with you that it seems a bit outrageous to have ads on an ATM when we already pay for the banking service (directly or indirectly through merchant fees), but ultimately we are not starved for choices. I'm sure the NAB / ANZ / Westpac directly across the CBA in your shopping centre would be more than happy to help you set up a new account with them.
    - barcer on 10/11/2024 - 18:39
      
      It's a big assumption that every shopping centre has all major bank branches present.
      
      My local shopping centre has zero bank branches, and an atmX ATM.
      
      The larger regional centre a couple of suburbs away has a bigger variety of ATMs, and has a CBA and NAB branch. No Westpac, no ANZ. The latter two have a presence in smaller shopping centres 4-5 suburbs away.
    - Roney on 11/11/2024 - 00:17
      
      Wait till you see the ads in supermarket self checkouts.
- OhNoUShiz on 10/11/2024 - 07:35
  
  +2
  
  Isn't irony that we should be vigilant when drawing cash against being robbed and now bank is feeding you with ads that will disrupt you. Greed has no limits.
- rickdwp on 10/11/2024 - 08:22
  
  Good in theory, but CBA is the Apple of Australian banks, whatever they do the rest will copy
pegaxs on 09/11/2024 - 09:41

+41

Or, wait till they use ads to pay for the service…

"Do you wish to skip this ad for $2.50?"

or

"Sign up to CBA Premium, where there are no ads, ever… (*Premiums service is $14.99/m ongoing, renews automatically until cancelled. T&C's apply. Please read the PDS before deciding if this product for you.*)"
- knobbs on 09/11/2024 - 11:57
  
  +6
  
  Scary future
  - WhyAmICommenting on 10/11/2024 - 12:14
    
    Pretty much here already… want your seat heaters to work? Etc etc
GordonD on 09/11/2024 - 09:45

+5

Can't remember the last time I used an ATM. So who cares.

Never use cash, except for one business that offers me a discount if I pay in cash, which I suspect they do so there's no record of the money coming and they don't have to declare it and pay tax. For them I get the cash out at the supermarket self-checkout.
- knobbs on 09/11/2024 - 13:57
  
  +8
  
  Yes I use an ATM maybe 2 or 3x a year, but if no one cares this then sets the new standard. Ads will filter the way into online banking etc etc further. Once this level of intrusion is widely just accepted because it doesn't affect me much today, it likely will keep building into the future.
  I think it will be similar to how Apple stopped including wall chargers in the name of saving the planet, everyone made fun of them and now most manufacturers are doing it. It's just the start
JIMB0 on 09/11/2024 - 09:51

+1

Hardly anyone using them anymore, combined with them being free means that they need to pay for it somehow.
- knobbs on 09/11/2024 - 13:59
  
  +3
  
  What's wrong with the last few decades of funding they have used to pay for them. There are less ATMs now and they are now shoving ads into them. As I said above this is how it starts before it's the new norm and then ads come elsewhere too
  - JIMB0 on 09/11/2024 - 15:05
    
    +2
    
    The alternative is they get rid of them or start charging again. First to go would be the standalone ones that they have to pay rent on the space.
  - whyisave on 10/11/2024 - 07:37
    
    ads come elsewhere too
    
    Beamed straight into your dreams, via Neuralink.
  - opt on 12/11/2024 - 09:09
    
    There are less ATMs now and they are now
    
    And the number of people using them are dropping even faster. Either the banks take away more ATMs, charge a fee, or show ads; pick your poison.
    
    I haven’t used an ATM in over a year, and the few times I had to use one, I had to look one up on Google Maps and drive there just for that. Given the time I have to waste getting to an ATM, a 30-second ad or whatever is nothing. Using cash and ATMs is a much bigger waste of time than whatever ads a bank can push on them.
6079 Smith on 09/11/2024 - 10:05

+7

I feel like this is just designed to piss off the “cash is king” crowd who surely are the only ones using an ATM more than 4 times a year. In which case I approve.

Also if you don’t like it just don’t use a CommBank ATM
- FireRunner on 09/11/2024 - 10:09
  
  +12
  
  Nah, it's just about making more money.
  - 6079 Smith on 09/11/2024 - 14:52
    
    I look forward to seeing ad revenue as a line on their P&L when they post another $10 billion profit next year
    - JIMB0 on 09/11/2024 - 15:12
      
      Add a shareholder I look forward to it as well.
      - MS Paint on 09/11/2024 - 15:36
        
        +4
        
        @JIMB0: Ads make cents. Cheers
        
        cfuse on 10/11/2024 - 10:29
        
        @MS Paint: I'll gladly take ten billion cents in revenue.
- Zondor on 10/11/2024 - 21:49
  
  You know as soon as it proves a success every ATM will start doing this right?
  
  We're already seeing the start of adverts playing while you fill up your car.
FireRunner on 09/11/2024 - 10:08

+8

Yeah that sucks. I know it's not the biggest deal as most don't frequent an ATM too often but I'm with you on hating how everything has to be advertisement space.
The worse are the stupid ad screens while you fill up at servos.

As others have said, you can switch banks and maybe give feedback if it's a big deal to you.
Unfortunately it probably won't change much and other banks are likely to follow suit
CyberMurning on 09/11/2024 - 10:39

I dont mind if i can customise the ads to my preferences (marvels, anime, movies trailers, and onlyfans)
- FireRunner on 09/11/2024 - 13:36
  
  +9
  
  Maybe they will, they have your purchase history
  - THICKnSLOW on 10/11/2024 - 21:43
    
    One day someone will be arrested for public indecency while using a CBA ATM
    - Minimum chips on 10/11/2024 - 23:57
      
      +1
      
      Look it said to make a deposit, what was I supposed to do?
payless69 on 09/11/2024 - 10:45

+3

CBA and all the pain they had put me thru!

Then I found Ubank. Not only does it work, for me it is the one sending money fastest, even eftpos transactions overseas are fast and free.
blighst on 09/11/2024 - 11:13

-1

If it's gonna keep the costs down, why not
slknv on 09/11/2024 - 11:40

Haven't used an ATM since the pre covid era so don't care.
1989jdm on 09/11/2024 - 11:43

+7

In answer to your first sentence- yes absolutely. They are completely brain numbing and seem to cater to the lowest common denominator. you’re forced to sit through them like -_-

I’ve changed radio stations to SBS chill and since I spend a lot of my time driving, it’s revolutionized my life. Zero ads, free, zero stupid forced laughter radio jockies. It’s brilliant. I can almost feel my brain thanking me for not subjecting it to brain numbing ads.
The downside to this is when you’re with someone else listening to ‘normal’ radio or say free Spotify with ads, it’s borderline torture haha
MrThing on 09/11/2024 - 11:53

+1

you guys use ATMs?
- theHMASfriendship on 09/11/2024 - 12:03
  
  +3
  
  I use them to deposit the cash that the people that use ATMs insist on having.
  - whyisave on 10/11/2024 - 07:39
    
    CBA currently have 'cardless' cash deposits via their ATMs, but there's a notice on their ATMs now, saying that CBA will be turning this off but with no timeline given.
    - theHMASfriendship on 10/11/2024 - 09:45
      
      Ok
- timhn on 09/11/2024 - 13:43
  
  +7
  
  Local restaurants around where I live offer 5% off total bill vs 2% surcharge for credit card payments. So yes, I withdrawing cash out every weekend.
  - MrThing on 09/11/2024 - 15:46
    
    +1
    
    that black economy cash sales
  - OhNoUShiz on 10/11/2024 - 07:40
    
    Same. Can’t avoid cash at all. There were in the past i used debit card on saving account to avoid fees but all restaurants simply charges fees on any card payments.
  - ForreStew on 10/11/2024 - 09:50
    
    +2
    
    so really a 7% surcharge for card?
jace88 on 09/11/2024 - 12:28

+4

I thought this was inevitable once they made ATMs free for everyone… gotta pay for the ATM upkeep/etc somehow.
Christown on 09/11/2024 - 12:32

+1

I can't remember the last time I used an ATM…
BoltThrower on 09/11/2024 - 12:44

+2

Making me watch ads just makes me hate your product. If they waived ATM fees to watch ONE short ad and only while the transaction is being processed? Sure. Push it and I'm switching banks.
soan papdi on 09/11/2024 - 13:16

+2

https://www.youtube.com/watch?v=XPGgTy5YJ-g
Futurama
altomic on 09/11/2024 - 13:29

Cash is King!
payton on 09/11/2024 - 13:47

+8

It better not be a 30s unskippable ad while the transaction is processing.

i'm outraged that more news sites are now aping Newscorp-esque clickbait headlines:
huge change about your finances but i won't tell you here
Crazy activist slammed suggestion to fly economy
Worst case scenario, panic at Kamp Kamala
Sad reason why actress A is forgotten by Hollywood
Emphasise on 09/11/2024 - 14:00

+4

Waiting for CBA ATMs to have stories
Hvrd on 09/11/2024 - 16:27

+1

cash is ads
Sal in SA on 09/11/2024 - 18:22

No ads - not ATM's
Only a ever diminishing throwbacks still use cash - consumers have spoken and cash is not what is wanted anymore.
Running a ATM at a loss is not viable - ads may keep them around a tiny bit longer for thoses that have not moved on.
- whyisave on 10/11/2024 - 07:42
  
  +5
  
  Running a ATM at a loss
  
  Banks, with their multi-billion dollar profits saying they're "running ATM(s) at a loss" ?
  - Sal in SA on 10/11/2024 - 11:44
    
    +1
    
    How many transactions are electronic vs cash ?
    
    But yes, same reason why branches had to shut all over the country - not economically viable when there is so few that use them nowadays.
    
    Cash is continuing to diminish in use.
    - whyisave on 10/11/2024 - 11:58
      
      -1
      
      not economically viable
      
      It must always be viable to preserve freedoms of the country's population.
      
      Freedom has a high cost.
      
      Focusing on cost, is not the same as focusing on freedom.
      - Sal in SA on 10/11/2024 - 12:04
        
        @whyisave: yeah ok..
        Will still be able to get cash form post offices etc.
        But do expect more and more shops to refuse cash and be electronic only (again consumer driven).
        
        whyisave on 10/11/2024 - 12:10
        
        -1
        
        @Sal in SA:
        
        But do expect more and more shops to refuse cash
        
        I'm not a legal expert, but it could be unconstitutional to refuse accepting cash.
        
        (again consumer driven)
        
        Whatever consumers are fed, they are going to digest.
        
        SBOB on 10/11/2024 - 12:14
        
        +1
        
        @whyisave:
        
        I'm not a legal expert, but it could be unconstitutional to refuse accepting cash
        
        Why would if be 'unconsitutional'?
        
        There are no laws that force businesses to accept cash, and they are free to define their payment options/terms as part of their offer to supply goods/services
        
        whyisave on 10/11/2024 - 12:23
        
        +1
        
        @SBOB:
        
        There are no laws that force businesses to accept cash, and they are free to define their payment options/terms as part of their offer to supply goods/services
        
        You are right.
        
        I read this summary here:
        https://lawpath.com.au/blog/is-it-legal-for-a-business-to-re…
        
        Is it legal to refuse legal tender in Australia?
        Businesses have an obligation to accept legal tender unless an alternative means of purchase has been specified by verbal or written agreement.
        
        By purchasing goods or services, you’re entering into such an agreement with the seller. A business can set the terms of the agreement prior to the purchase, including how payment will be made, including by putting a sign in the store about what kinds of payment methods will or won’t be accepted.
        
        Therefore if you provide verbal or written notice prior to entering the contract with your customer, your business isn’t obliged to accept cash as a form of payment. And instead, you can state you’re only accepting cashless payments.
        
        It’s not uncommon for some shops to display signs at their checkout or at the door to give customers adequate notice that they refuse cash payments.
        
        Also, from RBA
        
        RBA - Legal Tender
        https://banknotes.rba.gov.au/legal/legal-tender/
        
        Transactions In Australian Currency
        Every sale, transaction or dealing relating to money, or involving the payment of, or a liability to pay, money in Australia is to be done in Australian currency unless it is done, or the parties to the sale, transaction or dealing agree that it will be done, in the currency of another country.
        
        However although transactions are to be in Australian currency unless otherwise agreed or specified, and Australian currency has legal tender status, Australian banknotes and coins do not necessarily have to be used in transactions and refusal to accept payment in legal tender banknotes and coins is not unlawful.
neoleo on 09/11/2024 - 22:32

+2

Waiting for a news when hackers put a script into ATM. How about getting paid $5 into people's account every time ads appear on the ATM screen?

I believe all ATM machines are based on Windows :P
SteveBuscemi on 09/11/2024 - 23:58

+2

Would rather an ad than a transaction fee.
DashCam AKA Rolts on 10/11/2024 - 00:01

+7

I hate the ads played on the pumps, at some servos. If it wasn't for their pricing I'd avoid altogether.
- DiscoJango on 10/11/2024 - 08:41
  
  +1
  
  The ones at the woolies servos were the worst, they were so overly loud, enough ppl mustve complained because their a lot, lot quieter now.
Trekky on 10/11/2024 - 10:15

I'm not with CBA but I do visit ATMs at least 3 times a month.
- Sal in SA on 10/11/2024 - 11:44
  
  And for majority of people, they have not used a atm for years.
  - whyisave on 10/11/2024 - 12:12
    
    +1
    
    they have not used a atm for years.
    
    Many people withdraw money via EFTPOS, at a supermarket too.
    - Sal in SA on 10/11/2024 - 18:00
      
      Yeah, at some point I expect supermarkets to say it is not cost effective to do cash onsite.
afah0447 on 10/11/2024 - 10:47

That's nothing. Car companies are looking at using voice recognition software to listen to the conversations taking place in your car and then automatically start playing tailored ads to you via the entertainment system based on the discussion topics.

Example: you are driving in your car and talking with family about where to go for dinner and mention Chinese food. An ad will automatically start playing through the car's entertainment system for Chinese restaurants in the area.

Advertising's intrusiveness is going to get a hell of lot worse in the future as corporations try to suck as much money as possible out of people.
NEGATIVEVIBESONLY on 10/11/2024 - 10:57

I thinks ads in the commbank App would be even better. I hope they are working on it
effjay on 10/11/2024 - 12:00

+4

Wild how whenever corporations try to monetize their consumer base, people are actually shilling for the company as to why it's a good thing and it doesn't bother them at all completely negating that not everyone lives by their worldview.
Why does it bother you? You're watching ads in the store anyway.
Cash is king crowd getting pissed off? Glorious.

From what I've seen, when companies pull off these stunts, it's usually a small part of a larger rollout. Streaming for example, they were slowly increasing prices and people were like, well, they've got to offset losses somehow, and now we have tiers that cost the same as premium used to while also showing ads. Twitter introduced Blue, and then other social media companies followed afterwards with their own subscription service that would boost engagement and help gain followers. It's not an industry-specific trend, I wouldn't be surprised if banks started in-app purchases for premium features, putting ads in online banking before/after payments, it's always small symptoms part of a larger inconvenience.
- whyisave on 10/11/2024 - 12:26
  
  +2
  
  it's always small symptoms
  
  Frog boiling
dna level c on 10/11/2024 - 13:19

You'll be seeing them at the petrol bowser soon.
- curtturtle on 10/11/2024 - 14:10
  
  +1
  
  They already have ads at petrol bowsers in Melbourne. Have for years.
trapper on 10/11/2024 - 15:37

If we can get free withdrawals it may be worth it…
- Sal in SA on 10/11/2024 - 18:00
  
  -1
  
  withdrawals of what thou ?
Herbse on 10/11/2024 - 16:06

What's an atm?
- HamBoi69 on 11/11/2024 - 06:58
  
  These
Pertuan on 10/11/2024 - 16:16

Lucky I don't use CBA ATMs. I use one of those fee free banks and do all my withdrawals through them.
serpserpserp on 10/11/2024 - 17:01

+1

In the immortal words of Fry from Futurama: "omg it's full of ads!"
quick-dry on 10/11/2024 - 20:33

I'm not a CBA customer but I wouldn't be surprised if CBA is the first mover and the others follow suit - but I don't really care, it's in the "rather not, but whatever" bucket.

That comes with a few conditions though - so long as the transaction processing isn't intentionally delayed so the advert can complete, and I'd rather ad revenue be used to maintain profits so they're not adding fees on some other useful service. I can tune out the ads, and sometimes they're actually of use to me since I don't watch free-to-air TV anymore. If you're sailing the seven seas, you simply don't see many ads anymore.
- cnut on 11/11/2024 - 09:08
  
  +1
  
  It’s this type of apathy why they keep getting away with this dumb shit.
  
  You give them a finger and they’ll take your whole hand if they could.
  - knobbs on 11/11/2024 - 10:16
    
    +1
    
    I wish I could give more than a +1
  - quick-dry on 11/11/2024 - 17:53
    
    Did you read the full comment or just part of the first sentence? I'd argue it isn' apathy, it's a difference in where I want to spend my money.
    
    Do i like ads? no.
    
    Do I like paying for banking? no
    
    Would i rather someone else paid for my banking, or that I got banking in a way that didn't take money from my wallet? yes.
    
    I don't see it much different than the bank not passing on the FULL earnings from leanding out my money as interest because they take a cut as profit/pay for operating costs… but if someone offers a better deal by taking a lesser cut, then I'll switch.
    
    If commbanks offered a higher interst rate, but it came with ads on the ATM - would I say i hate ads, or would I see it as being paid to be subjected to an ad and just have to figure out if the money is worth it.
    
    You're on ozbargain, which runs ads. I'm happy with their current level of trade-off between showing me stuff I don't want but can ignore, in exchange for the useful part of ozbargain that i want. If the ads ad parts I don't want changed, there would be a threshold and beyond that I would stop using the service (assuming I couldn't just block ads and use it anyway).
    - cnut on 12/11/2024 - 00:09
      
      Dude, they make billions of dollars of profit already from everyone’s money.
      
      They don’t need the ad revenue. Quit defending this dumb consumerist mindset.
      
      I know it’s ironic talking about consumerism on this website, but surely you see how we should be putting a stop with ads being shoved in our faces everywhere we go.
kl2999 on 11/11/2024 - 09:02

Upgrade premium account to skip the ads.
cnut on 11/11/2024 - 09:09

Yeah screw this OP, I’m with you. They make enough money to not need to bombard you with advertising.

I don’t bank with them, but stuff like this would definitely get me to look at others.

When Will The Ad Invasion Stop, CBA to Introduce Ads to ATMs

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