Safe Tips for ATM Transactions to Avoid Criminal Activities

In today's digital era, using ATM machines remains a popular choice for many, especially for cash withdrawals. The convenience and widespread availability of ATM networks like ATM Link make it a preferred and convenient option.

ATM Link integrates services from various banks, especially the State-Owned Banks Association (Himbara), which includes Bank BRI, Bank Mandiri, BNI, and Bank BTN, into one network of Automated Teller Machines (ATMs).

With over 50 thousand ATM units across Indonesia, Himbara customers can enjoy various transaction services without having to visit bank branches. Services such as Balance Inquiry, Cash Withdrawal, Interbank Transfers, electronic money top-ups, and bill payments to various billers can easily be done through ATM Link.

ATM Link not only offers convenience for financial transactions but also prioritizes user security with anti-skimming technology, security personnel on-site, CCTV surveillance around ATM areas, and compliance with global security standards like PCI-DSS and PCI-PIN. This ensures every transaction remains secure from cybercrime threats.

Transaction Fees on the ATM Link Network

Generally, customers using the ATM Link network can benefit from various banking services such as Balance Inquiry, Cash Withdrawal, Money Transfer, Electronic Money Top-Up, and Bill Payments.

Below are the detailed transaction fee rates:

1. Transaction Fees Among Himbara Customers

- Balance Inquiry: Free

- Cash Withdrawal: Free

- Transfer between Himbara banks: Rp4,000

2. Transaction Fees for Non-Himbara Customers

- Balance Inquiry: Rp4,000

- Cash Withdrawal: Rp7,500

- Transfer: Rp6,500

Safety Measures for ATM Users

It's important for customers to be vigilant when using ATM machines to avoid the risks of data theft and fraud. Ensure you follow these safety measures when conducting transactions at ATMs:

1.     Choose ATMs located in busy and secure areas to minimize crime risks.

2.     Before starting your transaction, observe your surroundings for any suspicious individuals to heighten awareness.

3.     Ensure the ATM is in good condition and safe to use before inserting your ATM card.

4.     Cover the keypad with your body and hand when entering your PIN to prevent recording by hidden cameras.

5.     Double-check the transaction amount before proceeding to avoid mistakes.

6.     Always check your balance before completing the transaction at the ATM.

7.     After completing your transaction, securely store your ATM card and ensure no items are left behind.

8.     Activate transaction notification services to monitor every transaction made with your ATM card.

Maintaining security during ATM transactions is essential to safeguard your personal information and finances from potential criminal threats. By following these steps, you can use ATM services with confidence and reduce concerns about security risks.