How to Use ATM Cards

Understand how to use ATM cards safely with simple steps and explore services like cash withdrawal, balance check, and other banking facilities.
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How to Use ATM Cards
3 mins read
31 March 26

How to Use an ATM Card – Step‑by‑Step Process

Knowing how to use ATM cards properly allows you to carry out essential banking transactions quickly, securely, and without visiting a bank branch. ATM cards can be used for cash withdrawals, balance enquiries, fund transfers, and other services at any Automated Teller Machine. Here is a simple step‑by‑step guide explaining how to use ATM cards safely and correctly.

Step 1: Visit an ATM
Locate the nearest ATM. You can use ATMs of other banks as well, although charges may apply after a certain number of transactions.

Step 2: Insert Your ATM Card
Insert your ATM card into the card slot in the correct orientation, as shown on the machine display.

Step 3: Choose Your Preferred Language
After the card is detected, select your preferred language for easy navigation on the screen.

Step 4: Enter Your PIN Securely
Enter your 4‑digit ATM PIN when prompted. Make sure no one is watching while you enter the PIN. For safety, always change the default PIN issued by the bank.

Step 5: Select the Transaction Type
Choose the transaction you want to perform, such as cash withdrawal, balance enquiry, mini statement, or fund transfer.

Step 6: Follow On‑Screen Instructions
Enter the required details, such as withdrawal amount, and follow the instructions displayed. Some ATMs also provide voice guidance.

Step 7: Collect Cash, Card, and Receipt
Once the transaction is complete, collect your cash first, then your ATM card and receipt.

Step 8: End the Session Safely
Ensure the transaction ends properly before leaving the ATM area. Understanding how to use ATM cards correctly helps keep your money and personal information secure at all times.

Benefits of using ATM Cards

Utilising an ATM card offers numerous advantages, allowing you to perform various transactions without the need to visit a bank physically, stand in queues, or wait for a bank representative. The benefits include:

  1. Withdraw cash anywhere, anytime, without the necessity of visiting your home branch.
  2. Access cash withdrawals while abroad, albeit with potential overseas fees, ensuring financial convenience in foreign locations.
  3. Check your balance or transfer money, even without internet banking.
  4. ATMs now provide additional services, such as applying for Personal Loans, and opening or withdrawing a Fixed Deposit (FD).
  5. Conveniently pay taxes, utility bills, or insurance premiums, provided your bank supports these services and you have opted for them.
  6. Register with your bank account branch to book railway tickets or recharge your mobile phone through ATMs.
  7. Enjoy these benefits 24x7, 365 days a year, from any location within the country.

Conclusion

In conclusion, ATM cards provide a powerful and convenient tool for managing your finances independently. By following the steps outlined above, you can leverage ATMs to withdraw cash, check balances, transfer funds, and even access additional services like bill payments and FD management.

To unlock the full potential of ATM transactions, consider partnering with a reliable financial institution like Bajaj Finserv. They offer a range of ATM cards linked to various accounts, ensuring you have the flexibility and security you deserve. Explore their website or visit a branch to find the ATM card that best suits your financial needs. Remember, Bajaj Finserv prioritises customer convenience, so you can experience seamless and secure ATM transactions anytime, anywhere.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

​​Which side of the ATM card should be inserted?

Insert the front side of the card with the chip facing up (if it has a chip) or the magnetic stripe facing down.

​​How do you pay through ATM card?

ATMs are for cash withdrawals, balance checks, transfers, etc., not direct in-store payments. Use your debit or credit card at stores for purchases.

​​How to use ATM card in store?

Not possible. ATM cards are for ATM transactions. Use your debit or credit card for in-store purchases.

​​How to activate an ATM card?

Contact your bank! They will provide instructions based on your card (usually online banking, mobile app, or calling customer service).

What should be done if an ATM card gets stuck in the machine?

If your ATM card gets stuck, do not panic or leave the kiosk immediately. Note the ATM location, time, and machine details. Contact your bank’s customer care from the number displayed at the ATM to block the card and request retrieval or replacement.

How many times can the wrong PIN be entered at an ATM?

Most banks allow three consecutive incorrect PIN attempts at an ATM. If the wrong PIN is entered repeatedly, the ATM card may get blocked automatically for security reasons. You must then contact your bank to unblock or reset the PIN.

Is it safe to use an ATM card at night?

Using an ATM card at night is generally safe if the ATM is well-lit, located in a secure area, and monitored by CCTV. Avoid using isolated ATMs late at night and stay alert to prevent card skimming or fraudulent activities.

What precautions should be taken while using an ATM card?

Always shield the keypad while entering your PIN, avoid sharing PIN details, and do not accept help from strangers at the ATM. Use trusted ATMs, check for suspicious devices, and collect your card and cash before leaving the machine.

What should be done if cash is not dispensed but the amount is deducted?

If cash is not dispensed but the amount is deducted, note the transaction details and raise a complaint with your bank immediately. Most banks automatically reverse the amount within 5–7 working days after verification.

Is there a daily limit on ATM card transactions?

Yes, banks set a daily withdrawal limit on ATM cards, usually ranging between Rs. 20,000 and Rs. 50,000, depending on the card type and bank rules. The limit applies across all ATMs within a single day.

Can an ATM card be used internationally?

ATM cards can be used internationally if international usage is enabled by the bank. Customers may need to activate this option through net banking or customer care. Usage may involve foreign transaction fees and currency conversion charges.

How to keep an ATM card secure from fraud?

To protect your ATM card from fraud, never share your PIN or OTP, avoid clicking unknown links, enable SMS alerts, and block the card immediately if misplaced. Regularly monitor bank statements to identify any unauthorized transactions early.

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