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How can I use an ATM Card?

ATM cards leverage digital payments to make transactions easy. Whether you are shopping online or at your local store, you can do so effortlessly with an ATM card. You can also use it to withdraw cash from your savings/current account in case of an emergency. However, if you are a new user and are unsure how to go about it, here is your ‘how to use ATM card step by step guide’. We have covered everything from ‘how to use an ATM card for the first time’, ‘how to insert the ATM card in the ATM correctly’, as well as ‘how to make online payment using an ATM card’.

Read on to know about all of these aspects in detail.

How to Use an ATM Card at an ATM Kiosk?

If you want to withdraw cash at an ATM kiosk, you can do so by following the steps mentioned below:

  • Insert the card with the EMV Chip facing up

  • Choose your preferred language

  • Enter the ATM card PIN

  • From the list of banking options, such as ‘Balance Enquiry’, ‘Fund Transfer’, etc., choose the ‘Cash Withdrawal’ option

  • Choose whether you want to deduct the funds from your current or savings account

  • Enter the amount you want to withdraw

  • Click on ‘Enter’

  • Collect the money

  • Click on ‘Yes’ or ‘No’ when asked if you want a transaction receipt

  • Click on ‘Yes’ or ‘No’ when asked if you want to make a new transaction

  • Once done, withdraw your ATM card from the machine

How to Use an ATM Card for Online Payment While Shopping?

In case you are shopping online and want to pay digitally using your ATM card, you can do so by following the steps mentioned below:

  • Add the items you want to purchase to your cart

  • Click on ‘Proceed to Pay’

  • Choose ‘Debit Card’ as the mode of payment

  • Enter your ATM card details

  • Click on ‘Pay Now’

  • Once redirected to the payment gateway, enter the OTP sent to you

  • As soon as the OTP is validated, the online transaction using your ATM card will be successfully completed

How to use an ATM Card at a PoS Terminal?

If you are buying at a retail outlet and want to purchase using your ATM card, all you need to do is follow the steps mentioned below:

  • Insert your card in the PoS (Point of Sale) machine

  • Enter the amount you want to pay

  • Enter your ATM card PIN

  • Once the card PIN has been validated, the transaction will be complete

How to Use a New ATM Card for the First Time?

If you are a new user and do not know how to make an ATM card work, the process is simple. You will have to set the ATM card PIN as well as activate the card before you can use it for transactions. The PIN can be set online (net banking and mobile banking) as well as offline (ATM, SMS, and customer care). Once the PIN has been set and the authentication is complete, you will have to activate the card before you can use it at an ATM, a PoS machine, or online.

How to Activate an ATM Card?

Before you start using your card, you must activate it. Luckily, there are several ways of doing so:

i) Activate Card via Net Banking Account

You can activate your card by logging into your net banking account and selecting the ‘ATM card activation’ option available under ‘Card Services’.

ii) Visit Your Bank’s ATM Kiosk

You can visit the nearest ATM kiosk of your bank, insert your card, and enter the PIN to activate your card.

iii) Call the Customer Care Number

You can call your bank’s customer care number and request an executive to activate your ATM card. You might be required to provide some card details such as the last four digits of your account number, your name, registered mobile number, etc., to authenticate your activation request.

iv) Activate the Card Using the Mobile app

You can log into your mobile banking app and select ‘ATM card activation’ under ‘Card Services’ to activate your ATM card.

Like your debit card, your credit card also doubles as your ATM card. You can use it to transact at retail outlets as well as pay for purchases online. The card also allows you to withdraw cash in case of an emergency. So, if you are looking for a digital payment solution that gives you access to funds over and above your savings, you can apply for a credit card.

Check out the attractive range of credit cards from some of the top banks on the Finserv MARKETS website. Once you have browsed your options, you can select the right credit card for yourself and apply for one that suits your needs.

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FAQs on How to use an ATM Card?

✔️How can I use my first ATM card?

If you are a new user, you must generate your ATM card PIN and activate it. Once that is complete, you can swipe it at PoS machines at retail outlets or use it at ATMs to withdraw cash. You can also use the card to pay for your digital purchases.

✔️Which side of the ATM card is inserted?

Your ATM card must be inserted in a way that the EMV chip is facing up. You can check the image reference provided on the machine to ensure that the card is inserted correctly.

✔️How do you enter an ATM card?

Whether you are using your card at an ATM or a PoS terminal, you have to ensure that the EMV Chip is facing up.