How to use an ATM machine

When Automated Teller Machines (ATMs) were first introduced back in 1967, outside a branch of Barclays in Enfield, north London, they were seen as a real step forward. At last, customers could withdraw cash 24/7 - outside of banking hours.

These machines have gone from strength to strength. Today an ATM can help you in a host of ways. As well as helping you withdraw cash 24/7. An ATM can help you deposit and transfer money, and give you insights into your account balances.

We’ve put this article together to help you make the most of ATMs. Using an ATM can save you time and money during your next transaction - especially when you’re travelling abroad. However, It should be noted that ATMs are all slightly different to one another, so this can only serve as a generic guide.

WorldRemit Content Team

22 September 2023 • 3 mins read • Updated 22 September 2023

How to withdraw money from an ATM

As ATMs are slightly different to one another, the step-by-step process below is simply a general and most typical guide.

Enter your card in to reader (credit or debit) and enter your PIN number (usually 4 digits)
Select ‘withdrawal’ as your transaction choice
Select to have a receipt if you want one
Your cash (and receipt) will be delivered
Withdraw your card when prompted
Wait for the screen to return to the main menu before leaving

How much cash can I withdraw from an ATM?

This is very much a question for your bank. There’s no industry standard on ATM withdrawals. How much you can withdraw will depend on your bank’s own policy, as well as factors such as; how long you’ve had an account. So, speak to your bank - particularly if you want to withdraw a large sum.

How to deposit money at an ATM

This is a general guide as all ATMs differ. Here’s a typical process.

Enter your card in to reader (credit or debit) and enter your PIN number (usually 4 digits)
Select ‘deposit’ as your transaction choice
Enter the amount you’d like to deposit
Deposit your money
Select to have a receipt if you want one
Wait for the screen to return to the main menu before leaving

Can I deposit money at any ATM?

You can deposit cash at many ATMs, but not all of them. There’s no universal rule on ATM cash deposits— it will depend on the bank. But many financial institutions allow cash deposits at ATMs within their networks. For security reasons, ones that do are usually located within banks.

How to check balance at an ATM

When you need to know how much money is in your account, you can do this by going to an ATM. The process below is a general guide:

Enter your card in to reader (credit or debit) and enter your PIN number (usually 4 digits)
Select ‘view balance’ as your transaction choice
Select to have a receipt if you want one
Wait for the screen to return to the main menu before leaving

Can I transfer money using an ATM?

Yes. Funds can be transferred from one bank account to another bank account through ATMs. But it’s worth mentioning that most ATMs that allow transfers are usually located inside the banks.

If you need to send money internationally, WorldRemit offers you the perfect option. On our app, you can transfer money 24/7 to over 130 countries worldwide. We’re fast, low cost and secure, so you can be sure you money gets to where it needs to be in minutes.

Do ATMs charge fees?

This will very much depend on the bank and country you’re in - some are free, some charge a fee. For example the vast majority of ATMs in the UK are free. Independently operated machines can charge around £3 to £5 per transaction. It’s a good idea to use your bank's app to find free ATMs near you.

Are ATMs safe to use?

While ATMs make withdrawing and depositing funds, checking balances, and conducting other transactions quick and convenient, they can also be targets for criminal activity. So, when using an ATM - be aware of those around you and follow some simple guidelines.

Cover the pad when entering your PIN number
Use an ATM that’s in a well-lit busy area and not tucked in an out-of-the-way, dark spot.
Use your bank’s ATM if possible. Free-standing ATMs, such as those in grocery stores or malls, may be easier for criminals to tamper with than an ATM that’s located at your bank.
Check out the machine. If you’re using an ATM that doesn’t belong to your bank, then make sure nothing looks out of place. If the keypad seems loose or wobbly, a key sticks, or the on-screen instructions aren’t what you’re used to seeing at an ATM, it could be a red flag that it’s been tampered with by a scammer.
Always remember to take your card, cash, and receipt at the end of your transaction.

Send money abroad with WorldRemit

We hope that you’ve found this article helpful. For another insight into managing your money you may like to read: How to transfer to, from and between credit cards. WorldRemit is always there to help you make the most of your money.

In fact, if you need to send money abroad we offer you the perfect digital solution - with no need to go to a bank or ATM. With our easy-to-use app you can enjoy fast, convenient and secure money transfers. It couldn’t be simpler to sign up – and you’ll even get your first three transfers fee free with code 3FREE.

How to use ATMs : FAQs

Are ATM machines open 24/7?

ATMs that are outside banks can be open 24/7 - this is what makes them so convenient. Of course, if the ATM is inside the bank or store, it won’t be accessible when the bank or store is closed.

What if my card gets stuck in the ATM?

If your card was swallowed by a bank’s ATM, contact your bank or go into the branch with some ID. The branch staff will get your card back if they can, or order a new one for you.

Do ATMs have cameras?

Yes. Many ATMs use two kinds of cameras. The first type (the obvious one) is set up on top or very close to the ATM. The second tends to be hidden inside the ATM itself to allow it to capture the facial features of the customer.

The contents of this blog post do not constitute legal or financial advice and are provided for general information purposes only. If you require specific legal and / or financial advice, you should contact a specialist lawyer or financial advisor. Information true at time of publishing.