How to use an ATM machine

An Automated Teller Machine (ATM) is a convenient way to quickly access cash and manage your bank accounts without needing to visit a bank branch. Found almost everywhere, from shopping malls to street corners, ATMs allow you to withdraw cash, deposit money, check your balance, and transfer funds between accounts.

In this guide, we’ll cover how to use a bank ATM machine, the steps involved in different transactions, and what to keep in mind while using one. If you’re looking to send money to a bank account overseas, Western Union offers easy and reliable money transfer services.

How to withdraw money from an ATM

Wondering how do you use an ATM for cash withdrawals? Withdrawing money from an ATM is one of the most common functions, and it’s straightforward once you know the steps. All you’ll need is your bank card and the correct Personal Identification Number (PIN).

Follow these steps to withdraw cash:

1. Insert your bank card into the ATM.
2. Select your preferred language.
3. Enter your 4-digit PIN when prompted.
4. Choose the “Withdraw Cash” option.
5. Select the account (checking or savings) if applicable.
6. Enter the amount you want to withdraw.
7. Collect your cash, card, and receipt (if requested).

How much cash can I withdraw from an ATM?

ATMs have daily withdrawal limits to protect you and the bank from large unauthorised transactions. The exact amount you can withdraw depends on your bank, the type of account you have, and the ATM machine you are using. These limits are typically reset daily and can sometimes be adjusted by contacting your bank.

Here are some common UK banks and their daily withdrawal limits:

• Barclays: Ranges from £300 – £500 per day.
• Lloyds: You can generally withdraw up to £800 per day.
• HSBC: Ranges between £300 – £1,000 per day, depending on your type of account.
• NatWest: Either £250, £300, or £750 per day, depending on your type of account.

How to deposit money at an ATM

Want to know how do you use an ATM for more than just withdrawals? Depositing money into your account using an ATM is another simple task that requires only your bank card and the money you want to deposit.

Follow these steps to deposit cash at an ATM:

1. Insert your bank card into the ATM.
2. Select your preferred language.
3. Enter your 4-digit PIN.
4. Select the “Deposit” option from the menu.
5. Choose the account that will receive the deposit.
6. Insert your cash into the appropriate slot.
7. Confirm the amount you’re depositing on the screen.
8. Wait for the machine to process the transaction.
9. Collect your receipt and card.

Can I deposit money at any ATM?

You can typically only deposit money at ATMs owned by your bank. Additionally, not all in-network ATMs will accept cash deposits. If the ATM doesn’t offer deposit services, consider using your bank’s branch as an alternative.

How to check balance at an ATM

If your phone is out of battery or you don’t have access to mobile data, an ATM is a convenient alternative for checking your account balance. It provides a quick and reliable way to stay informed about your finances without needing your mobile banking app.

Here’s how to use a bank ATM machine to check your balance:

1. Insert your bank card into the ATM.
2. Enter your PIN.
3. Select the “Check Balance” option from the menu.
4. View your balance on the screen or choose to print it on a receipt.

Can I transfer money using an ATM?

You can transfer money between bank accounts using an ATM. This is useful if you want to move funds between your checking and savings accounts. To transfer money at an ATM, follow these steps:

1. Insert your card and enter your PIN.
2. Select the “Transfer” option.
3. Choose the accounts involved in the transfer.
4. Enter the amount you want to transfer.
5. Confirm the transaction.

If you want to know how to transfer money by bank transfer internationally, Western Union makes it fast and easy to send funds across borders. With our global network and online services, you can send money to bank accounts worldwide.

Do ATMs charge fees?

ATM fees vary depending on whether you’re using an ATM within your bank’s network or one that’s operated by a different financial institution. Typically, in-network ATMs do not charge fees, but out-of-network ATMs often apply a fee known as an ATM operator fee. These fees can range from £1 to £5 per transaction.

Here are our tips to avoid potential ATM fees:

• Use an in-network ATM locator to find your bank’s ATMs.
• Check with your bank about fee-free ATMs.
• Consider withdrawing cash at a store that offers cashback when making a purchase.

If you’re looking for more convenient options, our money transfer app can help you send money or complete transactions without needing to use an ATM.

Are ATMs safe to use?

While ATMs are generally safe to use, it’s always wise to be cautious when making transactions. Here are some tips to follow when you’re using ATMs:

1. Choose an ATM in a well-lit, busy area, such as inside a bank or a supermarket.
2. Be mindful of people standing too close behind you and cover the keypad when entering your PIN.
3. If the ATM looks tampered with or out of order, it’s best to avoid using it and find another machine.

FAQs

How to use an ATM for the first time?

Using an ATM for the first time is simple. Insert your bank card, select your language, and enter your PIN. From there, follow the on-screen instructions to complete your transaction, whether it’s a withdrawal, deposit, transfer, or checking your balance.

How do you withdraw money from an ATM machine?

To withdraw money, insert your card into the machine, enter your PIN, and choose the “Withdraw Cash” option. Select the account, enter the amount, and collect your cash, card, and receipt.

How to use an ATM in the UK?

In the UK, using an ATM follows the same basic steps. Insert your card, enter your PIN, and select your transaction. You can withdraw money, deposit cash, check your balance, or make transfers depending on the ATM’s options.