The Reserve Bank is addressing concerns cash is becoming inaccessible - by bringing money to rural communities

It has opened a 12-month trial of a cash depot in Hawke's Bays' Waipukurau - offering a closer site to make withdrawals.

Local banks have recently closed - meaning the nearest ATM for locals is 50 kilometres away.

Reserve Bank Money and Cash Director, Ian Woolford, says currently only businesses can use the depot for cash.

He says many people get cash from retailers which can now get physical money from the depot.