Simple instructions for withdrawing money from ATM cards and handling common problems

1. Detailed instructions on how to withdraw money from ATM card

Understanding the process of withdrawing money from an ATM card is an important foundation to help you make transactions easily and quickly. To proceed with withdrawal, you need to follow these steps:

Step 1: Insert the card into the machine slot
Place the card so that the side with the embossed number is facing up and the arrow printed on the card is facing the slot according to the instructions. Observe the words “Insert your card” on the card reader slot to do it properly.

Step 2: Choose trading language
On the screen, select the appropriate language such as Vietnamese, English or another supported language.

Step 3: Enter the PIN code
Enter your PIN and cover the keypad with your hand to protect the information. If you enter the wrong code, select “Clear” to correct and re-enter, then press “OK” or “Enter” to continue.

Step 4: Choose transaction type
At the transaction screen, click "Withdraw money" in the list of options.

Step 5: Choose a payment account
If your card has multiple accounts linked, select the checking account account to withdraw money to avoid confusion with a savings or credit account.

Step 6: Enter the amount to withdraw
Select the suggested amount displayed on the screen or enter the amount as needed. Make sure the amount is within your bank's transaction limit, then confirm by pressing "OK" or "Enter". The machine will ask if you want to print an invoice, choose according to your needs.

Note that the amount you withdraw must be greater than or equal to the minimum limit (usually from 50,000 VND, depending on the bank). 

Step 7: Receive money and complete
Wait for the machine to release money, cards, and bills (if requested). Then, click “Finish” to safely complete the transaction.

Customers should also note, Withdrawal fees will vary depending on bank and card type, usually approx 3,300 VND for domestic debit cards, 10.000 - 20.000 VND with international payment card Mastercard/Visa.

2. Important notes when withdrawing money by ATM card

The process of withdrawing money by ATM card is simple but requires caution to ensure the safety of your assets and personal information. Here are the important things you need to keep in mind when making transactions:

Before transaction:

• Make sure the card is not bent, scratched or damaged. Check the expiration date on the card to avoid expired cards.
• Use ATMs in safe, crowded locations. 

When trading:

• Do not share your PIN with anyone and avoid revealing it when entering the code at an ATM. Use additional security methods (if available) such as OTP codes.
• Do not enter the wrong PIN more than 3 times to avoid having your card locked.
• Before making a transaction, check your account balance to ensure there are enough funds. Check the amount received from the ATM after the transaction.
• Avoid making transactions when the ATM shows signs of abnormal operation, such as not accepting cards, not dispensing money, or reporting errors.

After transaction:

• Save transaction invoices for later comparison.
• If you have a problem with your card or transaction (for example, the card is swallowed, the ATM does not release money), contact the bank immediately for timely support.
• Always be sure to get your card and money back after each transaction. Do not leave the ATM without completing the transaction.

3. Solution when having problems withdrawing money from ATM card

During the process of withdrawing money from an ATM card, you may sometimes encounter problems that cause the transaction to fail. Here are the causes and fixes for the most common situations:

3.1. Enter the wrong PIN more than 3 times

Reason:

• The cardholder forgot the password or entered the wrong PIN.
• The card encountered a technical error.

How to fix: 

• Carefully re-enter your PIN if you remember it correctly.
• Note: If you are not sure of the PIN code, do not try it a third time, because the card will be locked or swallowed by the ATM.
• If the card is defective, bring the card to the issuing bank branch to check the card status.

3.2. ATM card is swallowed or jammed

Reason:

• Entering the wrong PIN more than 3 times will cause the card to be locked.
• The ATM system fails or stops working suddenly.
• Failure to retrieve the card within the prescribed time after the machine releases the card.

How to fix: 

• Contact the bank's hotline immediately (the hotline number is usually posted on the ATM). Provide personal information, card number, and ATM location for assistance in receiving the card.
• In case you cannot contact the bank, go to the nearest branch to report and receive support.

3.3. ATM card reports unsuccessful transaction error

Reason:

• Transmission errors such as unstable Internet connection, fiber optic cable error.
• The ATM is under maintenance or temporarily out of operation.
• The card reader of the ATM is broken.

How to fix: 

• Check and ensure a stable Internet connection before transferring money again.
• Find and use another ATM if the transaction still fails.
• Additionally, you can contact your bank immediately for assistance.

3.4. The ATM does not release money even though money has been deducted from the account

Reason: 

• The ATM system encountered an error.
• ATM machines are overloaded, leading to slow or no money dispensing.
• Customers do not receive money on time after the machine releases money.

How to fix:

• If the transaction is made at an ATM in the same system, you need to immediately call the bank's hotline and inform about the incident (time, location, amount, card number) for support.
• If you make a transaction at an ATM other than the system, you need to go directly to the card-issuing bank branch to report and request verification support.

To learn more about how to handle problems with withdrawing money from an ATM card, please read the article: "Can't withdraw money from ATM card? Reasons and quick fix!"

4. How to handle bank card information disclosure?

According to Article 19 Circular 19/2016/TT-NHNN, when discovering a lost card or revealing bank card information, customers need to immediately take the following steps:

• Step 1: Immediately notify the card issuer (TCPHT) via hotline number.
• Step 2: Wait for TCPHT to handle the problem. TCPHT will coordinate with relevant parties to prevent damage. Within 5 working days, TCPHT will notify the processing results for BIN cards issued by the State Bank. For BIN cards of international card organizations, the maximum processing time is 10 working days.
• Step 3: If the card is abused and causes damage, the customer and the card issuer will agree on responsibility and handling. If the two parties cannot agree, the handling will be carried out according to the provisions of law.

5. Rest assured with the security system when using SeABank ATM cards

Choosing a bank that provides reputable and secure ATM card services is extremely necessary for customers. Among today's banks, SeABank stands out thanks to its outstanding advantages such as:

• All cards and payment devices meet EMV security standards - the highest security standards from the international card organization Visa, MasterCard, helping to minimize the risk of card information being exposed during the transaction process.
• Applying two-factor authentication technology via OTP (One Time Password) code, ensures that each password can only be used once and cannot be reused, helping to prevent attacks from hackers on customer accounts.
• The SeANet system automatically locks the account after 5 incorrect login attempts, increasing the safety of customer accounts.
• All customer data is absolutely confidential according to international standards, creating maximum peace of mind in transactions.
• Deploy synchronous security measures on devices and service systems, based on advanced technology platforms, along with risk warnings that meet international security standards.
• Provide 24/7 customer service to solve problems such as lost cards or unsuccessful transactions, providing a convenient and safe card usage experience.

With the information shared in the article, hopefully you have a clear understanding Instructions for withdrawing money from ATM card quickly, easily and safely, and know how to effectively handle transaction problems.

To experience other modern financial products and services, you can refer to the website https://seabank.com.vn or immediately contact Hotline 1900.599.952 for support.