How to Take Money at an ATM – Are you one of those people who often make transactions at ATMs but don't know what it stands for? Well, for those of you who don't know, ATM stands for Automated Teller Machine. In Indonesia, ATMs are better known as Automated Teller Machines.
This ATM has several functions, you know! Such as, transfers, cash withdrawals, balance checks, and much more. Even though electronic money is now rampant, the existence of ATMs is still very much needed.
Currently, the working system of ATMs can use a card or without a card, you know! But, as long as it's connected to your financial account, yes!
The thing you also need to know is that you need to be careful, here, when you are going to access the ATM machine. Especially, if you want to take money or withdraw cash.
Well, this time Whizmin wants to share how to safely withdraw money from an ATM. Not only that, Whizmin also wants to provide several ways to take money with and without a card, you know. Listen carefully, yes!
Also Read: How to Increase Financial Insights a la WHIZ!
How to Take Money at an ATM with and Without a Card
1. By Card
- Don't forget to bring your card.
- Insert your card into the ATM machine.
- Select the language used during the transaction. Usually, two languages are available, namely Indonesian and English.
- Type in your ATM pin. Do it carefully. If 3 times wrong then your card will be blocked.
- Select the amount of money you will take. Make sure the nominal taken matches the selection on the screen. If it doesn't exist, you can choose the "Withdraw another amount" option.
- Select confirmation of money withdrawal.
- Select the "True" option if you are sure with your money nominal. Select the “False” option if you want to repeat.
- If you select “True”, the transaction will be processed and your money will come out of the machine along with the transaction receipt.
- After that, the ATM screen will display the option “Do you want to continue another transaction?”
- To issue an ATM card, select “No”.
- When finished, double-check the amount of money received. Also make sure your ATM card is not left behind.
2. No Card
Now, some financial partners already provide transactions at ATMs without using a card. There are several ways to make cash withdrawals without a card. Each financial partner has different ways. But, in general, here are some of the most common ways:
- Match the ATM with the financial partner where you deposit money.
- Get your phone ready.
- Make sure your phone has a stable internet network.
- Also make sure your phone has an app from your financial partner.
- Open the app.
- Select the feature to make cardless cash withdrawals. Usually this feature is immediately visible on the app homepage.
- After selecting the feature, follow the steps. Usually you will be asked for a phone number to verify the OTP code.
- After all the steps have been followed, wait for the ATM machine to process.
- Don't forget to take your money and the transaction is complete.
Remember! The methods above can be adjusted again with the financial partners you have, yes! And follow all the steps.
Transact Safely at ATM
1. Look for ATMs Located in Safe Places
In order to avoid things that are not desirable, look for an ATM that is in a safe area. You have to pay attention to whether the area is prone to crime or not. If possible, avoid ATMs that are in quiet places.
If conditions really force you to take money at that place, make sure the ATM has CCTV.
It is highly recommended to withdraw money at an ATM located directly at a local financial partner. Because they usually have quality security officers and CCTV.
You are also advised to adjust the ATM with the financial partner you use. This is to avoid obstacles if the ATM does not match the financial partner you are using.
2. Monitor the Circumstances Around You
Before you take money, make sure your surroundings are safe. Make sure the people around you are not suspicious. And don't let other people get too close to you.
Be careful when you enter the ATM pin. If possible, cover tightly with your hands or body so that no one else can see it.
3. Prepare your card or cell phone
If you withdraw money by card, please insert the card into the ATM machine correctly. Do not let the card upside down. But, if you take money with your cellphone, make sure you have a stable internet network.
Then, type in your ATM pin. Don't be mistaken and forget. You are only given 3 chances. More than that your ATM will be blocked. If it's blocked you have to take care of it and it's quite time consuming. So, don't get your card blocked, OK!
4. Avoid Carelessness
A lot of carelessness when taking money at an ATM. The incident that often happens is leaving the card in the ATM machine. In fact, many people forget to take their money when they leave the ATM machine.
The incident is certainly dangerous, you know! It could be that when you leave money, your money is immediately lost and taken by irresponsible people. Your money, which was meant to be used for food, didn't turn out.
So, be careful if you want to take money at an ATM and don't be careless, okay!
Read also: 15 Financial Literacy Tips by Raditya Dika!
How? Easy and safe isn't it for ATM access nowadays?
Yup! To make it easier and safer, you can increase your financial literacy by using financial application. Now that's a lot money management apps which teaches you various ways to manage finances. From how to access ATM machines, how to avoid financial crimes, manage finances properly and correctly, and much more.
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