TD Bank: The standard daily limit is $1,250 when using a Visa debit card or ATM card for cash withdrawals, while the bank’s Private Client customers have limits of $1,500.

Using a credit card at an ATM is a lot like using a debit card — just follow the instructions to withdraw cash, acknowledge that you accept the fees and charges and collect your money.

Ms Devine said has contacted Next Payments, who own the ATM, and she also reported the issue to police. Daily Mail Australia contacted Next Payments and Victoria Police for further comment.