How to Use an ATM Card – Step-by-Step Guide (2026)
An ATM card lets you withdraw cash, check balance, and access basic banking services anytime. If you’re using an ATM card for the first time, follow this simple guide.
Quick Summary
- ATM card use: Cash withdrawal, balance check, mini statement
- Requirement: Active ATM card + PIN
- Availability: 24×7
- Safety: Never share your PIN
How to Use ATM Card for Cash Withdrawal
Step-by-Step Process
- Visit your bank’s ATM or any other bank ATM
- Insert your ATM card into the machine
- Select language
- Enter your 4-digit or 6-digit ATM PIN
- Choose Cash Withdrawal
- Select account type (Savings / Current)
- Enter withdrawal amount
- Collect cash, receipt, and ATM card
Always take your card back before leaving the ATM.
How to Check Balance Using ATM Card
- Insert ATM card
- Enter PIN
- Select Balance Enquiry
- View balance on screen or collect receipt
How to Get Mini Statement from ATM
- Insert card → Enter PIN
- Select Mini Statement
- Recent transactions (usually last 10) are printed
How to Change ATM PIN
- Insert ATM card
- Select Create/Change PIN
- Enter account details or OTP (as prompted)
- Set new PIN
- Confirm PIN
Choose a PIN that is easy for you but hard for others to guess.
Common ATM Card Uses
- Cash withdrawal
- Balance enquiry
- Mini statement
- PIN generation/change
- Fund transfer (in some bank ATMs)
ATM Card Safety Tips
- Never share your ATM PIN with anyone
- Cover the keypad while entering PIN
- Avoid using ATMs late at night or in isolated areas
- Do not accept help from strangers
- Block your card immediately if lost
FAQs
Q. Can I use my ATM card at other bank ATMs?
A. Yes. You can use it at most bank ATMs, subject to free transaction limits.
Q. What if ATM cash is debited but not received?
A. The amount is usually reversed automatically within a few working days.
Q. Is ATM card same as debit card?
A. Most ATM cards today also work as debit cards for shopping and online payments.
Troubleshooting
ATM card not working?
- Check card expiry date
- Ensure ATM PIN is correct
- Contact bank if card is blocked or damaged
Conclusion
Using an ATM card is easy and safe if you follow the correct steps. From cash withdrawal to balance check, ATM cards provide 24×7 access to your money. Always keep your PIN confidential and use ATMs carefully for secure banking.
