The only visible difference from the regular ATM is a small covered jack-plug socket beside the screen. This is designed to take the standard (3.5mm) jack of a small pair of earphones.

The customer can bring his or her own phones or the bank will supply a pair.

A continuous stream of spoken instructions tells the first-time user where to find the crucial parts of the ATM -- keyboard, card insert slot, cash and statement delivery slots. This is interrupted when the card is inserted, and the user is talked through the available transactions. Existing raised characters on the keyboard help a blind user navigate.

Westpac has avoided the more complex Braille, often found on push-buttons, that not all blind users can read. The widely used "pip" on the five key is a simple aid to navigating the number pad; that and the spoken reminder that it's a "calculator-style" pad, with the number one at the bottom left corner.

The technology is imported from Australia, a bank spokesman says, and the ATMs' features and design have been extensively discussed with blind peoples' organizations in New Zealand. An official announcement on the facility will be made later this month, but the talking ATMs are already working, for example outside Westpac's central Wellington branch at the top of Lambton Quay.