Automated Teller MachineATM

ATMs provide round-the-clock access to cash. Typical services include cash withdrawal, balance enquiry, mini statements, PIN change, and in some machines cash deposit (cash deposit or recycler machines), fund transfer and bill payment.

A customer inserts or taps a card and enters the PIN. If the ATM belongs to the card-issuing bank, the transaction is an on-us transaction. If it belongs to another bank, the transaction is routed through a shared network or switch to the issuer for authorisation, and the issuer pays an interchange fee to the ATM owner; the customer may be charged a fee depending on bank policy.

Common issues include cash not dispensed but account debited, which banks must reverse under NRB's grievance rules, card retention and skimming fraud. Banks use EMV chip cards, anti-skimming devices, CCTV and SMS alerts to reduce fraud.

In Nepal, ATMs are operated by banks, and domestic interoperability is increasingly provided through national switching. Services such as Green PIN and cardless withdrawal have extended what ATMs can do.

A bank may charge at most Rs 15 per transaction when its customer uses the card at another bank's ATM inside Nepal. Cash withdrawal by debit card is capped at Rs 20,000 per transaction, Rs 50,000 per day and Rs 3 lakh per month; banks may set lower ATM cash limits for security or local reasons.

एटिएमले चौबीसै घण्टा नगद पहुँच दिन्छ: नगद निकासी, मौज्दात सोधपुछ, छोटो विवरण, PIN परिवर्तन र केही मेसिनमा नगद जम्मा, रकमान्तर र बिल भुक्तानी।

आफ्नै बैंकको एटिएममा on-us कारोबार हुन्छ; अर्को बैंकको एटिएममा कारोबार साझा नेटवर्क वा स्विचमार्फत जारीकर्ता बैंकमा पुग्छ र जारीकर्ताले एटिएम मालिकलाई इन्टरचेन्ज शुल्क तिर्छ।

नगद ननिस्केर खाता डेबिट हुने, कार्ड अड्किने र स्किमिङ ठगी सामान्य समस्या हुन्; नगद ननिस्केको अवस्थामा बैंकले नेपाल राष्ट्र बैंकको गुनासो व्यवस्थापन नियमअनुसार रकम फिर्ता गर्नुपर्छ। EMV चिप, एन्टी-स्किमिङ उपकरण, CCTV र SMS सूचनाले ठगी घटाउँछ।

स्वदेशभित्र अर्को बैंकको एटीएममा कार्ड प्रयोग गर्दा प्रतिकारोबार बढीमा रु १५ शुल्क लिन सकिन्छ। डेबिट कार्डबाट नगद झिक्ने सीमा प्रतिकारोबार रु २० हजार, प्रतिदिन रु ५० हजार र प्रतिमहिना रु ३ लाख हो; सुरक्षा वा भौगोलिक कारणले बैंकले एटीएमको नगद सीमा घटाउन सक्छ।