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
10 June 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

Using an ATM card makes everyday banking quick and hassle-free, removing the need to visit a branch or stand in long queues. It gives you the flexibility to manage your finances anytime and from almost anywhere.

With an ATM card, you can withdraw cash whenever you need it, whether you are in your home city or traveling abroad (though international transactions may include additional charges). You can also check your account balance or transfer money without relying on internet banking.

Modern ATMs offer much more than just cash withdrawals. Depending on your bank, you may be able to apply for personal loans, open or withdraw fixed deposits, and even pay utility bills, taxes, or insurance premiums directly through the machine.

Some banks also allow you to book railway tickets or recharge your mobile phone through ATMs once your account is registered for these services.

Overall, ATM services are available 24/7, giving you complete control over your banking needs anytime, anywhere in the country.

How to withdraw cash using an ATM card

Here's a simple, step-by-step guide to withdraw cash using an ATM card, perfect for first-time users learning how to use ATM cards:

  1. Find an ATM
  2. Locate the nearest ATM—any bank's ATM works, even if it's not your own bank. Use your bank's app or website to find one nearby.
  3. Insert Your ATM Card
    • Look for the card slot (often marked with an arrow and a blinking light).
    • Insert the card chip-first and face-up, with the front of the card on top.
    • The ATM will read the magnetic stripe or chip automatically.
  4. Select Your Language
  5. Choose your preferred language from the options on the screen (e.g., English, Hindi)
  6. Enter Your 4-Digit PIN
    • Type in your ATM PIN carefully using the keypad.
    • Shield the keypad with your other hand to protect your PIN from being seen.

How to check bank balance at an ATM

Step-by-step process:

  1. Insert your ATM card into the slot (front side up, clockwise)
  2. Select your preferred language from the screen options
  3. Enter your 4-digit PIN (shield the keypad for security)
  4. Select "Balance Inquiry" or "Bank Inquiry" from the menu
  5. View your balance displayed on the screen
  6. Choose to print a receipt or decline, then take your card

Mini Statement

  • After entering your PIN, select "Mini Statement" from the menu
  • Shows your last 5-10 debit/credit transactions without a full monthly record
  • Print or view on screen

Transaction History

  • Select "Account Inquiry" or "Transaction History" option
  • Displays recent transactions with dates and amounts

ATM how to use Tips:

  • Use your bank's fee-free ATM network to avoid charges
  • Always log out after completing transactions
  • Keep your PIN secure and change the temporary PIN immediately

How to change your ATM PIN at the ATM

To change your ATM PIN at the ATM for periodic updates, follow these steps:

  1. Insert your card into the ATM machine
  2. Enter your current PIN to access your account
  3. Select 'PIN Change' or 'Set PIN' from the menu (may be labeled "Change/Reset PIN" or "PIN Services")
  4. Enter your old PIN for verification
  5. Set a new 4-digit PIN and re-enter it for confirmation
  6. Enter the OTP sent to your registered mobile number if prompted
  7. Wait for the "PIN Changed Successfully" message and SMS confirmation

Conclusion

In conclusion, understanding how to use ATM cards effectively can simplify everyday banking. From withdrawing cash and checking balances to transferring funds and managing basic services, ATM cards offer quick and convenient access to your money without visiting a branch. To ensure safe usage, always protect your PIN, avoid sharing card details, and use secure, well-lit ATM locations. By combining ease of access with essential safety practices, ATM cards remain a reliable tool for managing personal finances efficiently.

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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.

What is the difference between an ATM card, debit card and credit card?

An ATM card is primarily used for cash withdrawals and basic ATM functions. A debit card allows both ATM use and payments directly from your bank account. A credit card lets you borrow funds up to a limit for purchases or cash advances, with repayment later, often with interest. Compare debit cards on Bajaj Finance for more clarity.

How many free ATM transactions am I allowed per month in 2026?

As per RBI guidelines, customers typically get five free transactions per month at their home bank ATMs. At other bank ATMs, metro users get three free transactions, while non-metro users get up to five. Beyond this limit, charges apply depending on the bank’s policy.

What is the ATM transaction charge after the free limit?

Once the free transaction limit is exceeded, banks can charge up to Rs. 21 per transaction, plus applicable GST, as per RBI guidelines effective January 2022. This applies to both financial and non-financial transactions at ATMs of other banks, subject to individual bank policies.

How can I withdraw cash from an ATM without a card using UPI?

Using Interoperable Card-less Cash Withdrawal (ICCW), select the cardless withdrawal option on the ATM, enter the amount, and choose UPI. Scan the QR code using your UPI app, authenticate the request, and collect cash. This method enhances convenience and reduces dependency on physical cards.

How can I spot a card-skimming device on an ATM?

Look for signs like a loose or bulky card slot, unusual attachments, mismatched colors, or hidden cameras near the keypad. If anything appears tampered with, avoid using the ATM. Always cover the keypad while entering your PIN and prefer secure, well-lit locations.

Can I use my ATM card abroad?

Yes, you can use your ATM card internationally if it is enabled for global transactions. You may need to activate international usage through your bank. Foreign exchange markup fees and ATM charges may apply, so checking applicable fees and limits before travel is recommended.

What are the daily withdrawal limits on an ATM card?

Daily ATM withdrawal limits vary by bank and card type, typically ranging from Rs. 25,000 to Rs. 1 lakh for standard cards. Premium cards may offer higher limits. You can check or modify your limit through your bank’s app, internet banking, or customer support.

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