Cách rút tiền ATM không lo bị nuốt thẻ, áp dụng tất cả cây ATM

ATM cards are increasingly becoming an indispensable payment tool in modern life. Besides convenience and speed, ATM withdrawals also have potential risks, especially the card being swallowed due to user error or machine error. Understanding this, the article below from Hoang Ha Mobile will provide you with detailed instructions on how to safely withdraw money from ATMs, without worrying about your card being swallowed, applicable to all ATMs. Thanks to this, you can make transactions with confidence and peace of mind.

Common causes of ATM cards being swallowed

There are many reasons why ATM cards are swallowed, the most common of which are:

• Entering the wrong PIN more than 3 times: This is the leading cause of ATM cards being swallowed. According to banks' regulations, after entering the wrong PIN more than 3 times, the card will automatically be locked to protect your account.
• ATM card is defective, warped, broken, torn, etc.: Using a defective ATM card may cause the ATM machine to not recognize the card, leading to the card being swallowed.
• ATM machine fails due to technical problems or interference: In rare cases, ATM machines may fail due to technical problems or interference by bad people, leading to card swallowing.
• Withdrawal exceeding the card's allowed limit: Each ATM card has a maximum withdrawal limit for the day and month. Withdrawing money exceeding the allowed limit may cause the card to be swallowed.
• Do not take out the card after the transaction is completed: After the transaction is completed, you need to take the card out of the ATM immediately. If you leave your card in the machine for too long, it may be swallowed.

Instructions on how to withdraw money from ATM without worrying about your card being swallowed

To ensure safety when withdrawing money from ATMs, you should follow these steps:

Before withdrawing money

Before making a withdrawal, you should check the following 3 factors:

• Check your ATM card carefully: Make sure your ATM card is not defective, warped, broken, torn, etc. If the card is defective, you need to go to the bank to exchange a new card.
• Remember the correct PIN: Your PIN is the security key to your bank account. Therefore, you need to remember the correct PIN and absolutely not disclose it to anyone.
• Update account balance: You should visit the banking application or the bank's website to update your account balance before making a transaction. This helps you know the remaining amount in your account to avoid overdrawing the limit.

When making an ATM withdrawal

During the transaction process, to avoid unfortunate errors that may occur, you should keep in mind the following notes:

• Choose an ATM at a reputable location: You should choose an ATM located at a reputable location, with a security camera system and adequate lighting to ensure safety.
• Cover your hands when entering the PIN code: When entering the PIN code, you should use your hand to cover the keyboard to avoid being peeped by intruders.
• Enter the PIN accurately and carefully: Enter the PIN accurately and carefully, avoid entering it incorrectly more than 3 times. If you enter the wrong PIN more than 3 times, your ATM card will be locked.
• Choose the amount you want to withdraw according to the card's allowable limit: Each ATM card has a maximum withdrawal limit for the day and month. You should choose the amount you want to withdraw according to the card's allowable limit.
• Carefully check the amount of money after the ATM releases money: After the ATM releases money, you need to carefully check the amount of money to ensure you receive the correct amount withdrawn.
• Take the card out of the ATM after the transaction is completed: After the transaction is completed, you need to take the card out of the ATM immediately and store it carefully.

After withdrawing money

Errors can arise suddenly even after receiving money. Therefore, you need to pay attention:

• Keep transaction invoices: You should retain transaction invoices for comparison when necessary.
• Monitor account balance fluctuations: You should regularly monitor account balance fluctuations via text messages or banking applications to detect unusual transactions early.

Tips to help you withdraw money at ATMs more quickly and conveniently

Besides doing the above methods, you can apply some of the following tips to withdraw money from ATMs more quickly, conveniently and safely.

• Use ATM cards with EMV chips: ATM cards with EMV chips have higher security than magnetic cards, helping to minimize the risk of information being copied.
• Change your PIN regularly (at least every 3 months): Changing your pin code makes it harder for bad guys to guess your account password.
• Install a security app for your phone: Install a security app for your phone to protect your personal information and bank account.
• Always update information about fraud: Follow warning information about fraud related to ATM cards to increase vigilance and protect yourself.
• Report immediately to the bank if you detect any suspicious signs.

Some of the most popular ATM withdrawal methods today

When going to ATMs to withdraw money, users can choose between the following 3 ways to ensure the most convenience for their own needs:

ATM withdrawals using traditional physical cards

Below are detailed instructions on how to withdraw money from an ATM using an ATM card:

• Step 1: Insert the physical ATM card into the card receiving slot of the ATM tower.
• Step 2: Select the language you want to display on the screen.
• Step 3: Enter your ATM card PIN code.
• Step 4: Select the type of transaction to perform as “Withdrawal”.
• Step 5: Select the account you want to withdraw money from.
• Step 6: Enter the amount you want to withdraw and press “Enter”.
• Step 7: Wait to receive cash, ATM card and receipt (if any) from the ATM.

Please note, when entering your PIN, you should cover the key to avoid bad people stealing your information. After entering the PIN, press “Enter” or “OK”. If you enter the wrong PIN, press “Clear” and re-enter.

How to withdraw money from ATM via QR code

With the development of technology, many banks have supported users to withdraw money at ATMs via QR codes. This is considered an extremely simple and convenient method for users (especially those who do not carry a physical card with them). So what are the steps to withdraw money from an ATM using a QR code? Let's find out now:

• Step 1: Access the card-issuing bank's mobile application and select the QR scanning function.
• Step 2: At the ATM, select the icon or function key to withdraw money using QR code (depending on the type of ATM of each bank).
• Step 3: Use the camera on your phone to scan the QR code that appears on the ATM screen. Select the source of money, the amount you want to withdraw and confirm the transaction.
• Step 4: Enter the PIN code.
• Step 5: Receive cash and complete transaction.

How to withdraw money from ATM without using a physical card

Besides the method of withdrawing money via QR code mentioned above, banks today also provide many different ways to withdraw money without a card to bring more convenience to their users. It can be methods of withdrawing money through the use of fingerprints, passwords, etc. with the “help” of a smartphone. For banks that support this method, users can follow the instructions below.

• Step 1: Access the Mobile Banking application and register a password to withdraw money.
• Step 2: Go to the ATM to withdraw money and select the “Withdraw money without card” function.
• Step 3: Fill in the amount you want to withdraw (must correspond to the amount registered on the application) => Fill in the withdrawal password => Fill in the OTP code => select Confirm.
• Step 4: Receive cash and receipt then complete the transaction.

Compare current ATM withdrawal methods

Each method of withdrawing money at an ATM will have its own advantages and disadvantages. You can follow the table below:

How to withdraw money from ATM abroad

Withdrawing money from an ATM abroad is a simple and convenient operation, helping you easily pay for living expenses when traveling or working. However, to ensure safety and effectiveness, you need to note the following points:

Prepare before going

• Notify the bank that you will use your ATM card abroad: This helps the bank activate the international withdrawal function for your card and limit the risk of the card being locked due to unusual transactions.
• Remember your ATM card PIN: Absolutely do not share your PIN with anyone.
• Bring an ATM card with an international logo: The two most popular international logos are Visa and Mastercard.
• Check the exchange rate: Find out the current exchange rate between the Vietnamese Dong and your destination country's currency to estimate the amount to withdraw.
• Take note of the bank's customer support hotline phone number: To contact in case of problems.

Withdraw money at ATMs

Search for ATMs with international logos: Prioritize choosing ATMs located at reputable locations such as banks, airports, shopping centers, etc.

Choose the appropriate interface language: Most ATMs today support English.

Follow the on-screen instructions: Select the transaction type “Withdrawal”, enter the amount you want to withdraw (in local currency), then enter your PIN.

Get money and bills: After a successful transaction, take money and bills carefully. You should keep the invoice in case you need to compare.

Be careful when withdrawing money from ATMs abroad

Beware of fake ATMs: Some scammers may use fake ATMs to steal your card information. Be careful with ATMs that have unusual signs such as blurred logos, broken card slots, etc.

Shield the keyboard when entering the PIN code: Use your hand or wallet to shield the keyboard when entering the PIN code to avoid being peeped by others.

Keep your PIN secret: Absolutely do not share your PIN with anyone, including bank staff.

Store your ATM card carefully: Avoid having your ATM card stolen or lost.

Check your account balance regularly: After each withdrawal, check your account balance to ensure there are no unusual transactions.

Some special cases

ATM withdrawals using debit cards: Some debit cards can be used for ATM withdrawals abroad. However, transaction fees may be higher than with credit cards.

ATM withdrawal in USD: Some ATMs abroad allow you to withdraw money in USD. However, the exchange rate may not be favorable.

ATM withdrawals in areas without internet connection: Some ATMs in areas without internet connection may not support withdrawals using international cards.

Conclusion

Above is an article on How to withdraw money from an ATM without worrying about your card being swallowed, applicable to all ATMs. Hopefully through the above article, you will have more useful information about withdrawing money at ATMs and notes when withdrawing money.

For more information and tips in daily life, please visit the Discovery corner of Hoang Ha Mobile right away.

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• What is a credit card? 8 information you need to know about credit cards.