Animal Crossing New Horizons ABD
Image: Nintendo Life

ATMs. How do they work? It's like a big computer that eats your money and sometimes coughs it back up. No one knows where they came from, or what they want. They are a mystery.

Luckily, the ABD — that stands for Automatic Bell Dispenser — is Animal Crossing: New Horizons' equivalent, and it's much less mysterious. In fact, we can tell you how it works!

Animal Crossing: New Horizons - How to get your own personal ATM / ABD (Automatic Bell Dispenser)

If you've visited Resident Services, you'll probably be familiar with the ABD that's part of the Nook Stop terminal — a cash machine where you can withdraw and deposit Bells.

To get your hands on an ABD that you can place wherever you want on the island, or simply carry with you at all times, you'll need to use the Nook Stop terminal to redeem Nook Miles (9,900 of them in this case) in exchange for your own ABD.

Note: It's not clear exactly when the ABD becomes available for redemption at the Nook Stop terminal — we'll update this guide when we find out more.

Once you've exchanged your Nook Miles, you'll receive the ABD the next day in the mail. You're then free to place it wherever you wish on your island — right outside your house, if you like — or even pick it up and take it with you. Handy!

This article is part of our Animal Crossing: New Horizons walkthrough, which includes a Complete Fish List, Complete Bug List and Complete Sea Creatures List. If you're looking for specific fish or bugs, we can tell you how to catch the elusive Coelacanth, Mahi-Mahi, Giant Trevally, Stringfish, Golden Trout and all the Sharks and Beetles, along with a full list of critters leaving at the end of the month (unless you visit Kapp'n's Boat Tour islands, of course!).

We can also help with How to Spot Redd's Fake Paintings and Statues, How to Make Bells Fast, How to Breed Flowers, How to Get more DIY Recipes, How to Upgrade Nook's Cranny, where and when to find special characters like Gulliver, Sable, Label, Wisp, Celeste, Pirate Gulliver and Jack, plus tips on using the Star Wand, Tool Ring, Rock Trick, Cutting Down and Moving Trees, using amiibo on Harv's Island, How to Back Up Your Island Data, How to Time Travel, How to Get a 5-Star Island Rating and a whole lot more.

If it's new content you're looking for help with, we can help you find gyroids, unlock Brewster's café, use the new Pro Camera App for selfies, enact new ordinances, get the beloved Froggy Chair, and even learn How to Cook.

And finally, Where to Buy Animal Crossing: New Horizons on Nintendo Switch, if for some reason you haven't yet picked up the game, and How To Buy The Happy Home Paradise DLC, too!