Independent owners of ATM cash machines are urging the two remaining banks to connect to their network, saying many New Zealanders struggle to access money when they visit rural areas.
ATM Plus and NZATM say to improve coverage, the only major banks not to be included - ASB and ANZ National - should join their system.
ATM Plus says visitors and rural businesses suffer because of the difficulty in accessing cash.
But the ANZ National Bank says its customers do not want to use a network which charges up to $1.80 for a withdrawal.
The bank says it has the largest ATM network in the country, with over 750 cash machines.
The Holiday Parks Association says the inability to withdraw money is not something holidaymakers regularly complain about.
Kiwibank, Westpac, BNZ, TSB, SBS Bank and Rabobank use the independent network, the operators say.