# ATM card

Part of a series on financial services :
Banking :
Types of banks
Advising
Banq
Bulge bracket
Central
Commercial
Community development
Cooperative
Credit union
Custodian
Depository
Development
Direct
Export credit agency
Investment
Industrial
Merchant
Middle market
Money center
Mutual savings
Neobank
Offshore
Participation
Payments
Postal savings
Private
Public
Retail
Savings
Savings and loan
Universal
Wholesale
Bank holding company
Lists of banks :
Accounts · Cards
Accounts
Christmas club
Deposit
Money-market
Savings
Time deposit (Bond)
Transaction (checking / current)
Cards
ATM
Credit
Debit
Prepaid :
Funds transfer
Cheque
Card
Electronic
Bill payment
Mobile
Wire
RTGS
NS
ACH
Instant payment
Giro
SWIFT
Correspondent account
CLS
CIPS
SPFS
BRICS PAY :
Terms
Asset
allocation
management
Automated teller machine
Bad debt
Bank regulation
Bank secrecy
Asset growth
Capital asset
Cash
Climate finance
Corporate finance
Disinvestment
Diversification (finance)
Eco-investing
Economic bubble
Economic expansion
Enterprise value
Enterprise risk management
Environmental finance
ESG
Ethical banking
Financial
analysis
analyst
asset
economics
engineering
forecast
plan
planner
services
Fractional-reserve banking
Full-reserve banking
Fundamental analysis
Growth investing
Hedge (finance)
Impact investing
Investment advisory
Investment management
Islamic banking
Loan
Mathematical finance
Mobile banking
Money creation
Pension fund
Private banking
Sustainability
Sustainable finance
Speculation
Statistical finance
Strategic financial management
Stress test (financial)
Structured finance
Structured product
Toxic asset :
Related topics
Asset pricing
Bond (finance)
Capital structure
Corporate finance
Cost of capital
Equity (finance)
Ethical banking
Exchange traded fund
Financial
law
market
participants
regulation
risk
system
History of banking
List of banks
Market risk
Personal finance
Public finance
Security (finance)
Shares
Sustainable development goals
Systematic risk
Systemic risk
Time value of money
Too big to fail
Too connected to fail
Watered stock :
Category
Commons
Portal :
vte :
An ATM card is a dedicated payment card card issued by a financial institution (i.e. a bank) which enables a customer to access their financial accounts via its and others' automated teller machines (ATMs) and, in some countries, to make approved point of purchase retail transactions. ATM cards are not credit cards or debit cards, however most credit and debit cards can also act as ATM cards and that is the most common way that banks issue cards since the 2010s.
ATM cards are payment card size and style plastic cards with a magnetic stripe and/or a plastic smart card with a chip that contains a unique card number and some security information such as an expiration date or CVVC (CVV). ATM cards are known by a variety of names such as bank card, MAC (money access card), client card, key card or cash card, among others. Other payment cards, such as debit cards and credit cards can also function as ATM cards. Charge and proprietary cards cannot be used as ATM cards. The use of a credit card to withdraw cash at an ATM is treated differently to a point of sale transaction, usually attracting interest charges from the date of the cash withdrawal.
Interbank networks allow the use of ATM cards at ATMs of private operators and financial institutions other than those of the institution that issued the cards. The difference between an ATM card and a debit card is the underlying network used to process the transaction. Some debit card networks started their lives as ATM card networks before evolving into full-fledged debit card networks that include eftpos facilities.

## History

The first ATM cards were issued in 1967 by Barclays in London.

## Dimensions

The size of ATM cards is 85.60 mm × 53.98 mm (3.370 in × 2.125 in) and rounded corners with a radius of 2.88–3.48 mm, in accordance with ISO/IEC 7810#ID-1, the same size as other payment cards, such as credit, debit and other cards. They also have a printed or embossed bank card number conforming with the ISO/IEC 7812 numbering standard.

## ATM uses

All ATMs, at a minimum, will permit cash withdrawals of customers of the machine's owner (if a bank-operated machine) and for cards that are affiliated with any ATM network the machine is also affiliated. They will report the amount of the withdrawal and any fees charged by the machine on the receipt. Most banks and credit unions will permit routine account-related banking transactions at the bank's own ATM, including deposits, checking the balance of an account, and transferring money between accounts.
Some ATM cards can also be used at a branch, as identification for in-person transactions.
The use of the ATM card for in store purchases or refunds is allowed only with pre-approved retailers, but not for on-line transactions.
For other types of transactions through telephone or online banking, this may be performed with an ATM card without in-person authentication. This includes account balance inquiries, electronic bill payments, or in some limited cases, online purchases (see Interac Online).

## Card networks

ATM cards operate through specific networks. Interlink is just one example of the many ATM networks.
Canada's Interac and Mastercard's Maestro are examples of networks that link bank accounts with point-of-sale equipment.
Some debit card networks also started their lives as ATM card networks before evolving into full-fledged debit card networks such as STAR (Interbank Network), and others such as: Development Bank of Singapore (DBS)'s Network for Electronic Transfers (NETS) and Bank Central Asia (BCA)'s Debit BCA, both of them were later on adopted by other banks (with Prima Debit being the Prima interbank network version of Debit BCA).

## Misuse

Due to increased illegal copies of cards with a magnetic stripe, the European Payments Council established a Card Fraud Prevention Task Force in 2003 that spawned a commitment to migrate all ATMs and POS applications to use a chip-and-PIN solution by the end of 2010. The "SEPA for Cards" has completely removed the magnetic stripe requirement from Maestro debit cards.

## In Vietnam

In Vietnam, ATM cards are commonly understood as debit cards, also known as domestic debit cards. According to the State Bank of Vietnam, as of November 2023, there are over 190 million ATM cards in Vietnam, an increase of 14.6% compared to the same period in 2022. In November 2023, the total value of transactions via ATM reached over 1,300 trillion VND, an increase of 16.3% compared to the same period in 2022.