ATM card





The size of ATM cards is 85.60 mm × 53.98 mm (3.370 in × 2.125 in) and rounded corners with a radius of 2.88–3.48 mm, in accordance with ISO/IEC 7810#ID-1, the same size as other payment cards, such as credit, debit and other cards. They also have a printed or embossed bank card number conforming with the ISO/IEC 7812 numbering standard.

ATM usesEdit

All ATMs, at a minimum, will permit cash withdrawals of customers of the machine's owner (if a bank-operated machine) and for cards that are affiliated with any ATM network the machine is also affiliated. They will report the amount of the withdrawal and any fees charged by the machine on the receipt. Most banks and credit unions will permit routine account-related banking transactions at the bank's own ATM, including deposits, checking the balance of an account, and transferring money between accounts.

Some ATM cards can also be used at a branch, as identification for in-person transactions.

The ability to use an ATM card for in-store EFTPOS purchases or refunds is no longer allowed;[citation needed] however, if the ATM card is also a debit card, it may be used for a pin-based debit transaction, or a non-pin-based credit-card transaction if the merchant is affiliated with the credit or debit card network of the card's issuer. Banks have long argued with merchants over the fees that can be charged by the bank for such transactions. Despite the fact that ATM cards require a PIN for use, banks have decided to permit the use of a non-PIN based card (debit or credit) for all merchant transactions.

Prior to the development of debit cards, ATM cards also sometimes fulfilled a dual purpose by serving as a cheque guarantee card.

For other types of transactions through telephone or online banking, this may be performed with an ATM card without in-person authentication. This includes account balance inquiries, electronic bill payments, or in some cases, online purchases (see Interac Online).

Card networksEdit

In some banking networks, the two functions of ATM cards and debit cards are combined into a single card, simply called a "debit card" or also commonly a "bank card". These are able to perform banking tasks at ATMs and also make point-of-sale transactions, with both features using a PIN.

Canada's Interac and Mastercard's Maestro are examples of networks that link bank accounts with point-of-sale equipment.

Some debit card networks also started their lives as ATM card networks before evolving into full-fledged debit card networks such as STAR (Interbank Network), and others such as: Development Bank of Singapore (DBS)'s Network for Electronic Transfers (NETS) and Bank Central Asia (BCA)'s Debit BCA, both of them were later on adopted by other banks (with Prima Debit being the Prima interbank network version of Debit BCA).


Due to increased illegal copies of cards with a magnetic stripe, the European Payments Council established a Card Fraud Prevention Task Force in 2003 that spawned a commitment to migrate all ATMs and POS applications to use a chip-and-PIN solution by the end of 2010.[5] The "SEPA for Cards"[6] has completely removed the magnetic stripe requirement from Maestro debit cards.

See alsoEdit


  1. ^ . Nowadays , even children can keep atm cards as some banks like Kotak Mahindra give atm cards to children as well."Permata Mini ATM" Archived 2012-04-14 at the Wayback Machine
  2. ^ "Mini ATM BRI" Archived December 30, 2011, at the Wayback Machine
  3. ^ "Cashless Scrip ATM Terminals"
  5. ^ "EPC Card Fraud Prevention Forum - Agreement on new measures to fight card fraud" Archived 2011-07-22 at the Wayback Machine, 19. July 2010 by Cédric Sarazin
  6. ^ "SEPA for Cards" Archived 2009-06-09 at the Wayback Machine, the SEPA Cards Framework and EPC Cards Standardisation Programme, accessed 06. August 2010

Application for New ATM Card