ATM: what you can do and how to take care of yourself

The ATM allows you to withdraw cash, make deposits, transfers and payments 24 hours a day, but it is important to know its costs and security measures.

An ATM is an electronic device that allows operations such as:

– Extractions and deposits.

-Transfers.

– Payments for services.

– Balance and movement queries.

– Issuance and withdrawal of fixed terms.

When you open a bank account you receive a debit card and a password to operate at ATMs.

– The first password is given to you by the bank and serves only to enter the system and create your username and new personal password.

There is no cost:

– The use of ATMs at the bank where you have your savings account.

There may be a cost:

– ATMs located outside a bank branch (shopping malls, service stations, etc.), even if they are from your bank.

– ATMs of other banks.

– ATMs outside.

The cost detail must be published on your bank’s website.

In the face of any difficulty, do not accept help from strangers. Always seek assistance from bank staff or contact the person who manages the ATM.

You should contact your bank if:

– There are differences between the cash you withdrew and the receipt.

– The ATM held your debit card.

– Your card was lost or stolen.

If the ATM gave you counterfeit bills, the problem must be solved with the intervention of the ordinary justice system.

– Follow the on-screen instructions.

– Put the bills or checks in the slot, along with the receipt that is generated during the operation.

– Keep the final receipt in case you need to make a claim.

– No bank can force you to use an ATM as the only way to operate: you can make transactions over the counter without restrictions on type or amount.

– You can withdraw cash in shops such as supermarkets and pharmacies.

If you use ATMs in shopping malls or service stations:

– They must inform you in advance of the permitted transactions and their price.

– The price must be the same regardless of the quantity and type of transactions.

– They must show the legend “This operation in a financial institution could have no cost” and allow you to cancel the operation if you do not want to continue.

Your bank may block or disable your card for security reasons. If he does, he has to tell you the reasons and explain how to rehabilitate him.