Want to know how to put atm card in machine? Well, you have landed on the right article!
An ATM card is issued by your bank related to your account. ATM stands for Automated Teller Machine. The ATM card is inserted in an automatic teller machine to withdraw money, check the balance, and do certain transactions without going to the bank.
When you use an ATM to perform transactions, the amount will subtract from your bank account against which the ATM card is issued.
What is an ATM card?
This small card holds certain information, and it is necessary to perform transactions when using it in an ATM. A debit card can work as your ATM card all the time, but your ATM card might not be a debit card. There are multiple usages of ATM cards such as:
- Withdraw money without visiting the branch. You can use any of the ATMs of your bank anywhere to withdraw money from your bank account using an ATM card.
- You can use your ATM to withdraw money in foreign countries. Although, you have to pay a fee to do so.
- You can use your ATM card to pay bills, EMI, recharge, railway reservations, flight tickets, balance checks, money transfers and can do other transactions only if your bank has registered you to do so.
How to Put ATM Card in Machine?
Things you can do with your debit cards are online purchasing, money transfer, payment of different bills and fees. However, for many people, it only has the purpose of withdrawing money from the ATM. Here see how to insert debit card in ATM.
1. Always practice Safety:
Safety is without a doubt a priority when using ATMs.
- First of all, make sure the ATM booth is not in a deserted place.
- Secondly, make sure the ATM is well-lit and clean and has nothing that looks or feels suspicious. There might be a hidden camera, thieves, or devices to figure out your card number and PIN. So be careful and look for all the signs and if suspicious, use a different ATM.
- Thirdly, use a hand sanitizer before and after using the machine due to the Covid-19 pandemic.
2. Insert our Card:
Now insert your card into the machine. Either you will have to insert the card, and the machine takes it and holds it, or you will have to push till it stops and then remove it. All the processes happen quickly as the machine only takes a fraction of a second to read information from your card.
3. Enter your PIN Personal Identification Number:
Now is the time to enter the PIN. To identify your account, you will have to enter your personal identification number. Only then will it proceed further. Ensure that you cover it when entering the pin, so no suspicious activity happens afterward.
4. Request a Transaction:
Now that details and identity are ok, you can perform the transactions such as check balance, withdraw money, deposit money, transfer money, etc. Follow the on-screen instructions and do the desired transactions.
You can perform multiple transactions, such as check balance, withdraw money, etc. However, first, check the balance to know the balance in your account.
5. Watch for any fees included:
You might pay a fee for using an ATM and your ATM should inform you about it before proceeding. If you want, you can pay the fee and proceed, but keep in mind that the ATM only shows charges from one side.
Your bank may charge you additional fees for using an ATM. There is a separate fee for using an ATM other than your bank.
6. End the transaction:
Before exiting the ATM booth make sure, you have your card in your hand, the transaction has ended, and the ATM machine is back to the first step. Remember
It is necessary to successfully finish your transaction so that no one can use your card details to do other transactions. Use the Cancel button to terminate the transaction successfully. Using an ATM is no big feat, if you remember these steps and follow safety rules all the time.
By following the above mentioned steps you will not only know how to insert atm card but also get the hang of using an ATM quite easily and quickly. You can use an ATM for more, such as money transfer, quick balance check, and talk with a customer care representative if the ATM has that facility.
Difference types of Card Available
There are different cards available that might confuse you about which card you can use at the ATM. All the cards have separate names and each one offers you particular services.
However, almost all cards work at the ATM and you can withdraw cash. The fees for using the card at the ATM may vary from card to card or bank to bank. Here is the list of the cards available and their purposes.
ATM Cards
These are the cards that use funds from your credit union or the bank account. These days, most ATM cards are debit cards, which can be used online to buy from retailers anywhere and everywhere. ATM-only cards are not so popular these days and hardly circulate.
Check and Debit Cards
Debit cards and check cards use your money from your checking/bank account. You can use these cards almost anywhere and for anything.
Prepaid debit cards
These are the cards that are without any bank account but allow you to pay money. These prepaid debit cards are specifically beneficial for those people without any bank account. Prepaid cards are also widespread for particular services like gifting, services, retailers, etc.
Credit cards
These cards allow you to borrow money from the bank where you have your account. However, for these cards, you pay the money back later with interest and that too within a certain period. Credit cards are popular for cash advances, but high-interest rates are always there with these cards.
Important instructions for ATM cards:
There are always some Dos and Don’ts with ATM cards and it is wise to know these valuable instructions for ATM cards.
- Check balance before spending
It is easy to let go while using your ATM, but it’s wise to know your balance first before you start spending. If you recently have deposited, then wait until confirmation because it takes time for money to be available in your bank account.
- Keep an eye on purchase and expenses
Debit cards connect to your bank account and any spending is deducted directly from your bank account. It means the chances of having fraud and losing money are higher with debit cards. You can use your credit card for expenses like shopping, recharge, reservation, ticket booking, etc.
- Carefully choose your ATMs
The chances of stealing, tempering, etc., are always there, no matter how safe ATMs are these days. So be careful when you choose ATMs for cash withdrawals and transactions. Choose secure areas like bank lobbies and markets and avoid secluded places that look suspicious.
I hope you liked our article on how to put atm card in machine, if you have any comments or suggestions do share them in the comments below.
Frequently Asked Questions
1. Which side of the ATM card is inserted?
For a horizontal card reader, usually, the face-up with magnetic tape down is the way to insert the ATM card. There is a chip on your ATM card that remains on top while inserting the card.
2. How to insert card in ATM?
To insert the card, keep the card in a horizontal position, with magnetic tape on the downside. There is a 16 digit number on ATM cards, and when inserted, it should go in from start to last.
3. How do I manually enter my ATM card?
Manually entering an ATM card is only possible if the place where you are using it allows entering the Card number and expiration date manually. The card machines are a valid method to enter the ATM card manually and do the transaction.
4. How can I check my ATM balance?
For a balance check first, enter the ATM card. Then, enter a four-digit pin and select the balance inquiry option. Check balance and exit.
5. Can you put a debit card in an ATM?
Yes, you can use your debit card in an ATM. All debit cards are suitable to be used in ATMs.
