How to use an ATM? Every modern bank client should know the answer to this question. After all, without ATM machines it is difficult to imagine working with bank plastic. ATMs help perform the bulk of transactions with cash and cards. For example, make housing and communal services payments and pay taxes. The main thing is to know how to act in this or that case.

Terminal or ATM?

Many people are interested in how to use an ATM. First, let's try to understand how ATM differs from payment terminals.

ATMs allow you to work with bank cards and cash. Terminals, as a rule, provide for cash-only transactions. But that is not all. Modern payment terminals are almost no different from ATMs - except for the navigation menu. Sberbank's latest models of machines for working with cash allow you to use bank plastic.

One more nuance - the ATM is ready for operation when the screen says “Enter card”. The ATM display sometimes shows a picture indicating the correct position of the plastic in the machine or simply advertising the bank's services.

In real life, ATMs are larger than terminals. Therefore, visually distinguishing these machines from each other is not difficult.

Insert the card

Once the client has figured out what kind of device is in front of him, he can begin working directly with ATM. How to use an ATM of Sberbank or any other financial organization?

The first step is to insert the card into the machine. It would seem that there is nothing difficult or unclear about this. But not everyone knows how to correctly insert cards into ATMs and terminals.

Typically the plastic receptacle is located on the lower right side of the device's display. A diagram of a bank card may be drawn next to it or it may be written “Insert card.” Often the receiver has a green backlight and an arrow designation.

To get started with ATM, you need:

1. Take a bank card. It is important that this is plastic from a financial institution servicing the ATM. Then no commission will be charged for transactions.
2. Turn the card so that the reading tape is on the bottom.
3. Bring the plastic to the receiver with the chip first. In this case, the payment system inscription should be located in the lower left corner.
4. Insert the card into the receiver and wait a bit.

Ready! If the card is inserted incorrectly, the ATM will return it or display an error message. There is no need to insert the plastic tightly into the receiver - just insert it 1/2-2/3. Next, the ATM itself will insert the card to the desired position.

Beginning of work

How to use an ATM? Step-by-step instructions will help answer this question. In fact, everything is simpler than it seems.

After the plastic has been entered into the machine, you will have to write a PIN code. This is a mandatory procedure, without which it is impossible to start working fully with the ATM.

The PIN code is issued along with the bank card in an envelope. Each bank client can change it, but you will always have to remember the secret combination. Otherwise, operations with plastic will be unavailable.

Typically, the PIN entry screen has prompts and a field in which you enter the appropriate combination. You need to indicate it using the digital panel of the ATM.

If the PIN is entered correctly, the client will be taken to the main menu of the ATM. Otherwise, the user will receive an error message. A citizen has only 3 attempts to enter a PIN code. Having used them, the user will not be able to operate the ATM. ATM machines often “chew” the bank card and do not give it back if the PIN is entered repeatedly.

Key meaning

When thinking about how to use a card at an ATM, a citizen should pay attention to the panel with numbers located on the front panel of the machine. Use it to enter information and PIN.

There are several buttons on the digital panel. Namely:

• "Cancel" - erases the last entered value;
• “Reset” - completely cancels the operation and issues the card to the client;
• “Enter” - confirms the operation and allows you to proceed to the next stage of work.

Some ATM machines also have a separate menu called “Select language”. You must press the key indicating the appropriate language. These buttons are usually located near the ATM display.

Main menu

How to use an ATM? The step-by-step instructions continue. Now you can proceed to the most interesting step - choosing an operation.

After the client inserts the plastic into the ATM and enters the PIN code, he is taken to the main menu of the machine. It records the main transactions with cash and plastic. Let's look at the menu using Sberbank as an example.

In some modern ATMs, to start working with the system you need to click on “Payments in my region”. And only after that the main menu will open.

Most often it consists of the following points:

• Internet service;
• mobile banking;
• Personal Area;
• money transaction;
• cash transactions;
• information and service;
• loan repayment;
• payment for services;
• taxes, state duties;
• search for recipient (not found in the main menu so often);
• top up your mobile phone.

These sections help the client carry out certain operations. Let's get acquainted with several of the most common commands that are needed when working with an ATM.

Balance request

How to use a Sberbank ATM? The instructions will only tell you the basics of working with ATM, because ATMs have many commands. But not all of its functions are actively used in practice.

People often want to know the balance of plastic. To do this you need:

1. Insert the card into the receiver and enter the PIN.
2. In the main menu, select "Cash Transactions".
3. Click on the "Request Balance" button.
4. Select the method of displaying information - “On the screen” or “On the receipt”. The second option is most often used.
5. Click on the button to confirm the operation.
6. Review the information received.

On the ATM screen, select the next action - give the card or continue working. In the first case, the plastic will be returned to the client. It takes about 45 seconds to pick up the plastic. Afterwards the machine “chews” it.

We withdraw cash

How to use an ATM? The instructions below will help you withdraw money from your bank account. This is another common operation.

For it you need:

1. Go to the main menu of the ATM.
2. Select "Cash Transactions".
3. Click on "Withdrawal of money".
4. Click on the button responsible for one or another amount offered on the screen. You can click on “Other amount”, and then enter the required value in the free field using the numeric keypad.
5. Click on the button to confirm the operation.
6. Decide whether to print a check. Most often clients request it.
7. Withdraw money from an ATM. Funds will be dispensed from a hidden slot on the front of the device.
8. Receive a check.
9. Pick up your bank card or continue working with it.

Nothing difficult, unclear or special. It is also important to know how to top up your bank account via ATMs.

Refill

Using ATM, citizens can replenish the accounts of any bank cards - debit or credit. It is enough to have plastic and cash with you.

To “put” money onto your card through an ATM, you will have to follow the instructions:

1. Get started with ATM.
2. Select the "Cash Transactions" option.
3. Point to the “Deposit money” service.
4. Transfer banknotes to the ATM - one at a time or several at once. To do this, the machine will either open a secret compartment or “pull out” a special receiver-holder.
5. Wait for the operation to complete.

Fast, convenient, and most importantly - no commission. Citizens can top up bank cards en masse. More precisely, some ATMs accept 60 bills at a time. Information about this will be displayed on the screen when the compartment receiving money is opened.

Payments

We have almost figured out how to use a Sberbank ATM and more. As already mentioned, customers can make various payments through the machine under study.

If a citizen has a payment order or recipient details, he will be able to complete the task in just a few minutes. Let's look at the operation using the example of paying for housing and communal services.

The ATM operating manual looks like this:

1. Insert the card into the ATM.
2. Click on "Payments in my city" or select the "Search for a payee" section.
3. Specify how to search for the recipient. For example, “By TIN”. If you have a payment card with a barcode, you can click on the “By barcode” button.
4. Indicate the TIN of the recipient of the money. In the second case, bring the payment card with the barcode forward to the reading beam.
5. Select the recipient organization.
6. Specify the payment type. This step is sometimes skipped.
7. Enter the transfer amount.
8. Provide payer information. Usually a place of registration and full name are enough.
9. Check payment details.
10. Confirm the operation.

Some ATMs have a search method “By document code”. In this case, you must enter the code from the payment card. This will reduce the entry of transaction information.

Conclusion

We found out how to use a Sberbank ATM. The step-by-step instructions we studied describe the basic operations with ATM. In a similar way, you can carry out other operations - connect and disconnect mobile banking, replenish the balance of mobile phones, register on the Sberbank Online website, and also pay duties and taxes (there is usually a separate item for this in the navigation menu). The basics of working with ATMs have now been learned, so working with such machines will no longer cause any trouble.

For some, money is a way to survive. For others, it is an accompanying attribute to achieve their goal. Today, all actions related to the purchase of goods or services are carried out using a plastic bank card.

To make it possible to cash out money from plastic, there are already ATMs and special terminals everywhere. This article will provide step-by-step instructions on how to use a Sberbank ATM.

The most important thing is to understand: how and where to insert the card correctly, dial the PIN code, confirm or cancel any action. Below are instructions on how to use the Sberbank terminal.

To start a financial transaction, you need to see “Enter card” appear on the screen. The display will already show you how to correctly insert the card into the ATM.

In any ATM or terminal, plastic is inserted in the same way:

1. You need to place a card in the card slot. This is done after the window turns green. This is what is needed in order to see it in the dark, and this is what indicates that it is time to insert the card.
2. The magnetic tape is black and should be located at the bottom in the upper right side.
3. The name of payment systems should be at the top, on the left side.

Important. In the event that the card is inserted incorrectly, the terminal will return it and will give an error.

When everything is inserted correctly, but there is no further action, the device will return the plastic back. This usually happens after 20-25 minutes, after the ATM does not detect any activity. As a rule, the card needs to be inserted shallowly, and then the system itself will accept it.

After everything you need has been inserted, you need to enter the PIN code, then the screen will display “Enter PIN code” and then a frame will appear where you need to enter the numbers. But the numbers will not be displayed, but “X” icons will simply appear as you type. The numbers will not be visible for security reasons.

Also, you need to know exactly what the buttons mean:

• “Cancel” key – cancels the last value that was entered;
• “Reset” key – refusal of the requested operation, in this case the ATM returns the card;
• “Enter” key – confirms the selected action and opens the possibility for implementing new operations.

If the PIN code is entered incorrectly, an inscription will appear on the ATM screen warning about this. In this case, you need to concentrate and try to enter it correctly, because if you enter it incorrectly three times, the card will be blocked. But it can be used in a day, if only the password is entered correctly.

Important. In old format ATMs, you will need to enter the language for further actions.

The PIN code is on the envelope that the client receives along with the bank card. The four numbers that are on it must be entered in order to be able to use the bank’s services.

Fake ATMs and scammers' tricks

In order to obtain data from someone else’s bank card, scammers use various tricks:

• phone calls;
• make copies of official websites;
• duplicate cards.

In addition to these actions, there are also special devices - skimmers, which are attached to ATMs and terminals, and with their help data is read from the plastic. It is cards that have a chip that are considered more secure from such incidents.

Actions to take if an ATM with a skimmer is discovered

How to behave if a skimmer is detected:

1. There is no need to unfasten the overhead part, and you should also not attract attention to yourself and turn around.
2. If the incident occurred during the daytime and indoors, then you need to find a bank employee and tell about the suspicious find.
3. If this happens on the street and at night, then it is also important to behave calmly and move away from the ATM with your things. It is possible that there will be pursuit by car or on foot - you need to try to get away.
4. It is important to make sure that no one is watching, then call the owner of the ATM and describe the incident in detail.
5. If the card is inserted into an ATM and only then it becomes clear that there is a skimmer, then you need to leave it there, then go to a safe place and call the bank to have the card blocked.

How to safely withdraw cash from an ATM

To safely withdraw money from an ATM, you need to do the following:

1. Click on the “Cash Withdrawal” tab.
2. Select the amount that will be offered in the template or simply click “Other amount”. If the wrong key is pressed, or some other error occurs, you need to press the “Reset” key.
3. Then click “Issue” again. But it happens that you have to re-enter the PIN code, it depends on the ATM.
4. After everything has been done correctly and the “Confirm” button has been pressed, the device issues a card, and then money.
5. Of course, it’s better to pick up the check; it may be needed in the most unexpected cases.

How to deposit money using an ATM

It happens that you need to deposit money into a bank card using a Sberbank ATM. This procedure can be done with any new device.

What exactly needs to be done in order to withdraw cash:

1. After the main menu appears at the Sberbank ATM, you need to click on the “Receive or deposit cash” button, or simply “Deposit cash”.
2. Click on “Deposit cash” and mark the required amount.
3. A window will open. There are ATMs that accept one banknote at a time, and there are also those that can accept bundles, but not more than 50 pieces.

After the ATM has counted the money, the amount that needs to be deposited will be displayed. After which, you need to perform the following steps:

1. “Run” means you can continue the operation.
2. “Add banknotes” - it follows that the ATM has decided that there is not enough money and more needs to be added.
3. “Refuse” – in this case the operation will be stopped, and the ATM will return the money.
4. If you click on the “Perform operation” button, the funds will be sent to the specified details immediately. There are delays, but for a maximum of two days.
5. Then select finish or return to the main menu to continue the procedure.

How much money is left on the card

In the case when you need to check the balance on the card:

1. After the menu appears on the screen, you need to select “Request balance”, “Card balance”, “Account balance”.
2. Enter your PIN code;
3. Next, you can choose to print a receipt or show the amount on the screen;
4. If a receipt is not needed, the device will automatically return to the main menu.

What is the potential of an ATM?

Using ATMs, you can do many more useful operations:

1. Bonus program. If there is a “Thank you” program, then this makes it possible to control the number of points that accumulate;
2. Mobile banking and internet. It is possible to find out about the balance and make transfers to certain accounts;
3. Personal Area. You can find out your login and password in order to manage your cards;
4. Payment for cellular communications. You need to find your operator, dial the phone number and the required amount. After which, funds will be debited from the card balance and transferred to the specified phone number;
5. Transfers and payments. You need to enter the recipient's card details and a certain amount to transfer. You can also send funds between your accounts;
6. Services and information. You can use this service to contact support and get the information you need.

The rules for using the ATM are very simple, and you can click on “Reset” at any time if an error suddenly appears or if further actions are simply no longer needed.

It is not difficult to learn how to perform simple card operations at an ATM. The main thing is attention and sequence of actions.

To begin, insert your card into the ATM:

• The magnetic stripe on the card should be face down on the right side;
• Chip cards are inserted with the chip first.

As soon as the ATM accepts your card, the device menu will be displayed on the screen and prompt you to select the operating language. The ATM will then ask you to enter your card PIN. You will need to type it on the keyboard, and at the end press the “Enter” or “Enter” button.

How to use an ATM safely

The most popular operation among bank card users is cash withdrawal. After you log into the ATM system using your PIN, look for the “Cash Receipt” or “Cash Withdrawal” button in the menu. After selecting this item, the PIN code will need to be entered again. The ATM will offer you to withdraw a certain amount (100, 500, 1000 rubles, etc.) or enter the required amount yourself under the “Other amount” or “Enter amount” button. The arbitrary amount must be a multiple of that set by the bank (depending on what bills the ATM is currently filled with). You confirm the cash withdrawal operation and wait for the ATM to count out the required amount of money and dispense it through a special slot for banknotes.

• Don't forget to withdraw your card from the ATM as soon as you finish using it;
• Make sure that others do not see what PIN you enter;
• Try not to show how much you withdraw from the card, especially if it is large.

Other ATM features

ATMs provide customers with ample opportunities to conduct transactions with a bank card. The menu of these devices is intuitive. If you want to pay bills for the apartment, select the “Utilities” tab and follow the instructions of the ATM. You can also top up your mobile phone account in the appropriate tab, where you will need to enter the number for replenishment and the amount of funds you want to transfer to the account. If necessary, you can use an ATM to make a money transfer to a card, pay for popular services, or repay. It will not be difficult to understand the operation of the device.

Balance check

You can find out the amount of funds in the owner’s account after authorization. Insert your card and enter your PIN code. Device menu - operations available to the user. One of them is checking the balance. The answer to the request for the balance of monetary units will be displayed on the screen instantly. If documentary evidence is required, it is possible to print a receipt with the relevant information. In most automatic cash dispensers, such actions are free.

The devices of third-party banks allow you to obtain information about the amount in your account. However, a fee may be charged during verification, the amount of which is determined in the agreement with the banking institution where the card was issued. Size - 15-60 rub. Funds are written off per operation: viewing the balance on the screen, printing a check document. Some banks provide clients with an additional service: they can check their balance at an ATM without the card itself, but using the mobile phone number attached to the account. Upon request for authorization at an ATM, an SMS notification is sent notifying the authorization code. If you use several cards, you may need to know the last digits of the card.

Cash withdrawal

Debit card holders can receive banknotes at a convenient time. Cash withdrawal is possible if the requested amount matches the amount of funds stored on the card. After authorization, select the “Cash Withdrawal” item or a similar section. If there are no banknotes of the required denomination, the device will warn you that only a certain amount can be withdrawn. In some cases, the ATM does not allow the client to issue the requested amount. There may be several reasons. The card has a daily limit or the amount of a one-time transaction is limited, and the amount requested by the client exceeds the established limit. Exit: you can increase the limit by contacting a bank branch or contacting a call center operator, or you can limit yourself to a smaller amount this time. The second reason: the ATM cannot dispense a stack of bills larger than a certain amount (on average 100 pieces), and the denomination of the loaded bills does not allow the operation to be completed due to exceeding the quantity limit.

Cash withdrawal is an operation that is mostly free of commission, provided that the devices of the financial institution where the account is opened are used. However, some card products require such payment, as specified in the service agreement. When receiving funds through automatic withdrawal points of third-party commercial institutions, be prepared to pay an additional amount in the prescribed amount.

The difference between an ATM and a terminal

The functions of both hardware and software systems are similar. Thanks to them, the user can perform a wide range of financial transactions. The difference between an ATM and a terminal is the ability to issue banknotes at the client’s request; the terminal is only suitable for making payments. At an ATM you can withdraw money, top up your credit or deposit account (not all machines provide this service), pay for utilities, and make payments. Execution requires confirmation of the user's identity. The level of protection is high.

The terminal module can only be used to make payments: payment of utility bills, communication services, transfers, replenishment of electronic wallets. There is no need for authorization. The level of security of the operations performed is somewhat lower. The terminal has a window for depositing money with sensors that determine the denomination of banknotes accepted as payment. The ATM window always only dispenses bills.

Inserting a card into an ATM

The type of card determines the rules for its use in automatic currency dispensers. A card equipped with a chip is inserted into the card reader so that it is in front and on top. If it is positioned incorrectly, the device will return it to the user or simply not allow it inside. Entering a card is a simple, intuitive procedure; even if the client makes a mistake, nothing bad will happen. If the ATM accepts an incorrectly inserted card, the client will not see the expected menu on the display board.

Cards with magnetic stripes are inserted face up with the indicated number facing up. The stripe is located at the bottom right. If entered incorrectly, the card will not be accepted. If the actions are correct, the card reader will accept plastic. The screen will display the authorization menu, where you must specify a user PIN code using the button block located below it. Subsequent operations will be available instantly if you dial the ID number correctly.

How to withdraw money abroad?

Owners of international credit cards can receive cash in another country. The amount of the commission paid is regulated by the terms of service and the commission fee charged by a third-party commercial organization for the use of financial resources. How to withdraw money abroad?

Find a currency dispenser with a logo that matches your card logo. Insert the card into the card reader and log in. The menu of most devices located in other countries is in English. In some cases, Russian is available. Select the appropriate item based on the type of account from which you plan to receive funds, and indicate the required amount. Cash withdrawal will be made in the currency of the receiving country, converted at the rate of the bank that issued the card.

Available functions in the ATM

Increasing the quality of service for clients, banking organizations offer a wide range of services: from issuing/withdrawing cash on demand to paying for all kinds of services, goods, etc. Account holders can carry out numerous operations using automatic machines located in crowded areas. With a developed structure and popularity of a bank, it is typical to have at least one ATM in an area of ​​one km. The available functions in the ATM allow you to quickly make payments, make transfers, top up mobile accounts, issue statements, make donations, and perform other popular operations.

Using the menu items, you can correct your personal data, change your financial phone number, and activate additional services. The list of available actions in the devices of different credit and commercial organizations is different, common to all is the constant checking of the balance and the issuance of funds credited to the account. You can get detailed information about all the possibilities of using the ATM from bank employees.

Virtual ATM

A special module - a virtual ATM - allows you to study the features of using the machine of a particular bank. Similar programs are provided on the websites of some commercial organizations. The videos demonstrate what actions are necessary to perform the operations available to the client. Visitors can complete each step in online training mode, avoiding the difficulties of interacting with a real device.

The term also characterizes a device whose operating principle involves sending incoming requests to a single processing center. The modules do not have an internal computer and are reliably protected from cyber hacking. The presented technology will become widespread only if the service is in demand among clients. At the moment there is no demand for the service. People of different ages and categories can easily use the ATM. In case of difficulties, bank operators will provide assistance.

Advice from Sravni.ru: ATMs of different banks may have slightly different operating algorithms. Menu items can be arranged in different sequences. To avoid making mistakes when operating the device, take your time and always follow the ATM prompts that you will see on the monitor.

In the last article, we looked at questions about what an ATM is, what types of ATMs exist, general rules for using an ATM, how to correctly insert a card into an ATM, how to enter a PIN code, select a language and much more.

In this article we will dwell in more detail on the operations performed by Sberbank ATMs. This article is actually .
In practice, any Sberbank ATM can perform dozens and hundreds of various operations. However, in fact, all operations through an ATM can be reduced to the following:

• cash withdrawal (may not be available at all ATMs);
• account replenishment (depositing cash, also not possible at all ATMs);
• receiving information on your account (mini-statement, balance request, etc.);
• transfers from card to card;
• payment for various services (cellular communications, housing and communal services, etc.);
• payment of various fines (traffic police, tax, etc.);
• repayment of loans;
• connecting and disconnecting various services (online banking, mobile banking, changing PIN code, Autopayment service, etc.);
• and etc.

According to statistics, the main ones are only the first three of these operations, which are performed by all bank card holders without exception - cash withdrawal, account replenishment and obtaining information on their account. Based on data collected over the past few years, these three transactions alone account for more than 70% of all ATM transactions. Recently, the situation has changed a little and the share of these operations is gradually decreasing, but still remains at a fairly high level.

In this article we will dwell in more detail on these popular operations performed through a Sberbank ATM. A detailed description of the remaining operations will be discussed in upcoming articles, which you can subscribe to now in the special Subscription mailing form under the article below. So, in the last article we stopped at the fact that we went to the ATM Main Menu.

Comment: All pictures can be viewed in a larger version. To do this, just click on the picture and it will open in a separate window in a larger version. Now let's look at each of these operations in detail.

Instructions for Sberbank ATM

Checking your balance (account balance)

Before you withdraw cash or make any other transaction, you must first check the availability of funds on your card. Checking the balance is required, for example, if you need to make sure whether a certain amount has arrived in your account (salary, pension, scholarship, transfer from someone, etc.) or just see the balance if you have forgotten, how much money you have on your card. This is done slightly differently at different Sberbank ATMs.

Old style ATMs

In the Main Menu, you must select “Account Balance” by pressing the corresponding key opposite the indicated inscription.

It should be noted that entering the PIN code on old-type ATMs occurs either immediately after inserting the card into the ATM, or after you have entered the Main Menu and selected the appropriate operation. In any case, entering a PIN code occurs the same way everywhere and, as a rule, does not cause any particular difficulties. So, by clicking on the “Account Balance” button, you are taken to the next window.

Here you need to choose how you want to view your account balance - on the screen or in printed form (in the form of a check). By clicking on “Print”, the ATM will print out a receipt for you (if you have a receipt tape, of course), which you can view. After which the ATM will immediately automatically transfer you to the Main Menu. On the issued check you will have information about the amount available on your card, the date the check was issued, the abbreviated number of your card and some other data (depending on the type of ATM). If you click on “Show on screen”, your account balance will be shown on the monitor screen.

Modern ATMs

Viewing your balance on modern ATMs is completely similar to the procedure described above. But at the same time, 2 options are possible here.

1 option

In the Main Menu, you must select “Request Balance” and you will be taken to the next window, where there will be similar selection options - “Display balance on screen” and “Print balance on check”. When you click on the indicated options (on the screen itself, if the screen is touch-sensitive, or on the key next to the option), you will receive a similar result - either a check or a display on the screen.

Option 2

In the Main Menu there is another similar option - “Personal Account, Information, Service”. By selecting this item, you will be taken to the next menu.

This menu already contains 6 different items, 2 of which relate to viewing the balance on your card, namely “Request balance” and “Get mini-statement”.

“Request balance” item completely similar to option 1.

Another item “Get a mini-statement”. By selecting this option, you will be taken to the following window.

Important!!! The main difference between these options is that with a simple balance request, the commission for this operation will be 0 rubles, but you will only receive information about the balance of your account. When requesting a mini-statement, the fee is 15 rubles (except for the Maestro-Social card), but you will receive a statement (printed) not only about your current balance, but also about the last 10 transactions on your card.

If you perform this operation using a Maestro-Social card, you will not be charged a commission. After selecting the “Mini-statement” item, in the next window you will be warned that for completing this operation 15 rubles will be debited from your card account. To receive a mini-statement, you need to click “Continue”, after which the ATM will give you a receipt, which will contain information about your last 10 transactions (dates and amounts).

Withdrawing cash through a Sberbank ATM

Old style ATMs

The procedure for withdrawing cash through a Sberbank ATM (old type) is quite simple. To do this, you need to select “Cash Withdrawal” in the Main Menu.

By default, you are offered standard options to choose from:

• 100 rubles;
• 500 rubles;
• 1,000 rubles;
• 2,000 rubles;
• 4,000 rubles;
• 5,000 rubles.

You can select any of the indicated amounts by clicking on the corresponding key opposite a particular amount. In addition, this menu provides the opportunity to withdraw any other amount that you want to withdraw and that is available in your account. To do this, select the “Other amount” item. When you select this item, you are taken to the following window.

In this window, you need to manually enter the amount you want to withdraw using the numeric keypad. It should be noted that most ATMs issue amounts rounded to 100 rubles. Therefore, if you enter a non-round amount, the ATM will ask you to enter a different amount. If you made a mistake in entering your amount, you can always click the “Reset” button on the right side of the menu.

After pressing, the dialed amount will be reset to zero and you can first dial the amount you require. After specifying the required amount, you need to click the “Issue” button in the same window. Immediately after this, a window will appear on the screen in which you need to enter the PIN code again.

This window may not appear on some ATMs. By entering the PIN code and the “Enter” button, the ATM will check that it was entered correctly. If the PIN code is entered correctly, the ATM will begin to count down the required amount to be dispensed, which will be reflected by a characteristic sound. Immediately after this, the ATM will display the following window with the message “Take your card” and give you the card back.

You need to remove your card from the card reader slot within 10-15 seconds, because after 20-25 seconds your card may be blocked by the ATM. After you have collected the card, the ATM will dispense funds to you through the ATM dispenser, which is usually located at the bottom. You also need to pick them up within 10-15 seconds. Otherwise, after 20-25 seconds, the ATM will take the money back and you will need to repeat the entire cash withdrawal procedure. Immediately after you have collected the card and money, the following message will appear in the ATM window.

In this window, you need to select whether you need to print a receipt or not. I advise you to always select “Print a receipt”, because if any difficulties arise with the ATM, you will always be able to prove that the transaction was completed. In any case, the choice is always at your discretion.

Important!!!

1. You must follow the prompts on the screen and do not leave the ATM until you complete the necessary operations and receive the card, money and check in your hands;

• Always take a receipt for any transaction you make (receiving money, viewing your balance, etc.). This is a necessary document in case of disputes. If you no longer need it, you can throw it away, but first it is advisable to tear it into small pieces;
• If something seems suspicious to you, it is better to abandon the operation and press the “Cancel” button (sometimes called “Cancel”) on the numeric keypad and perform it elsewhere;
• After receiving the money, it is necessary to recalculate the amount issued. If there are discrepancies, then you must urgently contact a bank employee and explain the situation to him, showing him the check and the money issued.

Modern ATMs

The procedure for withdrawing cash from modern ATMs is completely similar to that described above. At the first stage, you need to select the “Cash Withdrawal” item in the Main Menu. It is sometimes called "Receive and Deposit Cash". By selecting this item, you will be taken to the next menu.

In this menu you can choose one of the offered amounts or enter your own. If you want to collect your own amount, the option of which is not among those offered, then you must select the “Other amount” (“Get another amount”) item. You are immediately taken to the next window.

After typing the required amount on the numeric keypad, you need to click “Select in large” or “Withdraw in exchange”. The difference in options exists only for amounts over 10,000 rubles. If you are withdrawing an amount up to 10,000 rubles, you can click any option. If the amount withdrawn is more than 10,000 rubles, then you can choose any of the options, depending on what bills you want to receive - large or small. Immediately after pressing, the ATM will return your card and money to you and offer to print a receipt.

By selecting the appropriate option, the ATM will perform the necessary operation - whether or not it will issue you a check.

Important!!! It must be remembered that some ATMs only work to accept funds. As a rule, on the ATMs themselves or above them there are inscriptions about the operations performed on this ATM. You need to carefully study the list of these operations before performing the withdrawal procedure. Otherwise, it may turn out that the ATM simply will not be able to give you money because it does not have the necessary functionality.

Topping up your account through a Sberbank ATM

If you want to top up your account through a Sberbank ATM, then first of all you need to pay attention to whether this ATM supports the cash acceptance function. Older ATMs, as a rule, do not support this function. If the ATM supports this function, then in the Main Menu you must select the “Deposit Cash” item. It is sometimes called "Receive and Deposit Cash". In the next window, you need to select “Deposit cash”.

In some ATMs (especially those that accept cash and do not dispense cash), in the next window you need to select the currency of the money being deposited - rubles or dollars. After the appropriate selection, the ATM will open a bill acceptor where you need to insert a stack of bills (no more than 50 pieces at a time). In some ATMs (especially those operating for reception only), it is possible to insert bills into the ATM only one bill at a time. After inserting the money, the ATM will recalculate the accepted amount and display it on the screen.

In this window you need to choose among 3 options: “Perform the operation”, “Add banknotes” or “Refuse”. If you want to add bills, then you need to select “Add bills”, after which the bill acceptor will open again and you can insert another wad of money into it. If you want to refuse the operation, click “Refuse”, after which the ATM will return your money to you. If you have already deposited the entire required amount, then click “Perform transaction”, after which the money will be immediately credited to your account (in some cases, replenishment occurs during the day). Immediately after clicking, the ATM will give you a receipt for replenishing your account. In the next window, you need to choose from 2 options - “End maintenance” and “Return to main menu”.

By clicking on the “Complete Service” option, the ATM will return your card to you and complete the service. If you select the “Return to Main Menu” option, you will return to the Main Menu and can perform any other operation after dialing the PIN code again.

What to do if the ATM delays your card or there is a technical failure

If, while performing a particular operation, the ATM captures your bank card or a technical failure occurs, you need to:

• if the ATM is located in a bank branch and this happened during business hours, then you need to immediately contact a bank employee and explain the current situation. After which you will need to write a corresponding statement and describe your problem. As a rule, Sberbank branches have standard application forms with a list of all possible problems. You only need to indicate your data and check the box that corresponds to your situation;
• if this happened outside a bank branch or during non-working hours, then you need to immediately contact the bank by phone numbers indicated on the ATM itself (on the front part) and report the problem (even if it is an ATM of another bank);
• if this happened at an ATM of another bank (different from the bank that issued your card) and you cannot determine which bank it is, then you should call the support service of the bank that issued you the bank card and provide the address of the ATM location. Over the phone you will be given the necessary advice on your further actions;
• in any case, you need to record all available data on this ATM, the date and exact time of the transaction and the amount. All this will be needed to write an application;
• To receive a card, you need to go to a bank branch and write an application, as well as present your passport.

The card return period is quite long. The card will be returned to you only after the next collection. In some cases, the return period can take up to 2-3 weeks. However, as a rule, returns occur faster - within 1-2 weeks. So, let's summarize. This article discussed in detail Sberbank ATM instructions. In particular, issues related to withdrawing cash, replenishing an account, obtaining information on your account, and what to do if the ATM retained your card were discussed. A detailed description of other operations performed through an ATM will be discussed in upcoming articles, which you can subscribe to now in a special Subscription mailing form in the right column of the site.

Virtual simulator

And in conclusion, I suggest you download a special virtual simulator of an ATM from one of the banks -. Performing operations using this simulator is quite conditional, but it will help you better understand how ATMs work, as well as practice performing various operations. This file does not require installation. You simply download it and launch it by double-clicking on the downloaded file. Obviously, in order to quickly master all the previously described operations, you need to constantly practice (not only on the simulator, but also on a real ATM). Only by practicing will you be able to quickly master all the necessary operations performed through an ATM. Good luck in mastering the ATM!

Video on the topic

Instructions for Sberbank ATM. Withdrawal of funds through an ATM

Humor from Zadornov

A Sberbank ATM is a device designed to withdraw funds from a bank card and perform a number of other tasks. It allows you to make transactions to pay current bills, find out the balance of a payment instrument and top up your card. Manipulating the device is as simple as possible. However, if a person is encountering equipment for the first time or needs to perform an unusual operation, he needs to figure out in advance how to use a Sberbank card at an ATM.

Types of banking equipment

The term “Sberbank of Russia ATMs” is used by ordinary people to refer to all equipment of a credit institution that allows you to withdraw money from a card in self-service mode. However, the devices differ from each other. There are the following types of ATMs:

• Office;
• Street;
• Freeways.

The main criterion for inclusion in the group is the installation location. Do not confuse ATMs and terminals. The latter have simplified functionality. The terminals are designed to be used for making payments, receiving statements and connecting a number of services. You won't be able to withdraw cash using them. The terminal and ATM menus look different.

Instructions for use

When starting to interact with the equipment of a credit institution, you need to remember that there are rules of use. They must be followed. If a person is trying to figure out how to use a Sberbank ATM for the first time, step-by-step instructions will help to identify all the nuances of the manipulation in advance.

You can use the device if it is ready for use. The display of an ATM capable of servicing a client displays the inscription “Insert card” or a similar message. You need to enter the payment instrument into the device with the magnetic tape facing down. If an error is made, the system will return the card. To start performing the desired operation using the device, you must:

When the operation is completed, the system will return the card. If the manipulation was not performed automatically, the client must press “Reset” on the keyboard. Pressing the key means canceling the operation. The system will automatically return the card. If problems arise while using the equipment, a person can contact Sberbank support service.

List of available operations

The ATM functions have an extensive list. With it you can:

• Deposit money or make a withdrawal;
• Connect services;
• Pay the bills;
• Change PIN code;
• Get access to accounts.

The exact list of services depends on the type of ATM. Some devices have an expanded list of functions and can replace a Sberbank terminal.

Withdrawals

Withdrawing money is the first operation that a person asks about when trying to understand how to use the card. To complete it you will need:

1. Enter the device menu.
2. Click on the “Cash Withdrawal” item. A window will open asking you to select the amount. If a person wants to receive a different amount of money, he will have to click on “Other” and enter the desired value from the keyboard. It should be remembered that the device is capable of giving an amount that is a multiple of 100. If an error was made, you need to click on “Reset”.
3. Click on “Issue”. The display may prompt you to issue an amount in large or small bills. It is valid for values ​​that exceed 10,000 rubles. The choice depends on the client’s personal desires.
4. You will be prompted to print a receipt. The owner of the payment instrument independently decides whether he needs a document confirming the transaction or not.
5. The system will automatically calculate the required amount of money, which will appear in the slot in a moment. They must be picked up within 45 seconds. A similar requirement applies to returning the card.

Typically, cash withdrawals are carried out without commission. However, sometimes a fee may apply. Its size depends on the type of card.

The commission at Sberbank ATMs for cash withdrawal is:

• 0% — standard Sberbank debit card;
• 0.75% - “Momentum”, “Standard”, “Student” from Sberbank;
• 1% - for means of payment issued by other banks;
• 3% - Sberbank credit card.

To know in advance what commission will be charged at a Sberbank ATM, the user can contact the support service.

Replenishment of funds

Using Sberbank ATMs you can top up your card account. The procedure is performed only on new model devices. Older models do not have this feature. To top up your card account at a Sberbank ATM, you will need:

1. Go to the Sberbank ATM menu and click on the “Receive and deposit cash” item. Depending on the type of device, the inscription may vary. Some equipment may display the words “Deposit Cash.”
2. A section with amounts will appear. Below them is the inscription “Deposit cash”, which you need to click on.
3. Select the currency in which the person is going to deposit money. Sometimes an item may be missing.
4. A corresponding message will appear and the slot for accepting banknotes will open. The system can accept money one banknote at a time or in batches. An inscription about the application features must be present on the screen.
5. The total amount will be displayed on the screen. Then the person must click on one of three buttons: “Execute” - deposit money into the account, “Add bills” - add funds to the amount, “Refuse” - interrupt the operation and return the capital. The choice depends on the goal that the person pursues when performing the action.
6. Click on “Run”. The money will be credited to your account. Typically, capital is received instantly, but in some cases the transfer can take up to two days. To avoid problems, experts advise taking a receipt confirming the operation.
7. Complete the action.

Cash deposits to cards issued by Sberbank are carried out without commission. The fee for performing manipulations in relation to other cards should be known in advance. The commission at Sberbank ATMs depends on the type of payment instrument used.

Account verification

When creating ATMs, Sberbank of Russia also provided the ability to control the status of the payment instrument account. To get information you need:

1. Visit the main menu and click on “Request Balance” or a similar inscription.
2. Re-enter your PIN code. Some devices allow you to perform an operation without performing an action.
3. Choose a method to receive information. The device can display the amount on the screen or print it on a receipt.