ATM Bersama: Pengertian, Definisi, dan Manfaat yang Banyak

ATM Bersama adalah sistem yang memungkinkan nasabah dari berbagai bank untuk menarik uang dan melakukan transaksi lainnya dengan menggunakan kartu debit yang sama.

Sistem ini didirikan pada tahun 1994 dan sekarang telah digunakan oleh lebih dari 100 bank di Indonesia.

Keuntungan utama dari ATM Bersama adalah kemudahan akses ke uang dan fasilitas perbankan lainnya, yang dapat diakses kapan saja dan di mana saja.

Dengan memiliki kartu debit yang terhubung ke ATM Bersama, Anda dapat menarik uang, melakukan transfer, dan melakukan transaksi lainnya dengan mudah dan cepat.

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ATM Bersama offers a wide range of services, including checking your balance, withdrawing cash, and transferring funds online to another account within the same network. You can do all this quickly and easily.

One of the notable features of ATM Bersama is its ability to provide services across borders. In 2004, Artajasa established a network of ATM Bersama that spans across international borders by partnering with MEPS in Malaysia to serve Indonesian workers, students, and tourists. Today, Singapore and Thailand are also connected to the ATM Bersama network through NETS and ITMX.

To find the nearest ATM Bersama, you can use Google Chrome on your device. Simply type "ATM Bersama" in the address bar and press enter. Google Chrome will display a list of nearby ATMs, along with their locations and distances from your current location.

Here are the steps to withdraw cash using ATM Bersama:

1. Find the nearest ATM Bersama.

2. Insert your ATM card.

3. Choose your preferred language, such as Bahasa Indonesia.

4. Enter your PIN correctly and keep it confidential.

5. Select the withdrawal amount.

6. Wait for the transaction to complete.

7. Collect your cash and store it safely.

8. If you're done, remove your ATM card and ensure nothing is left behind.

The process is similar for ATM Link, with the only difference being the option to select the source of funds from "Tabungan" or "Dari Rekening Tabungan".

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Transaksi di ATM Bersama dikenakan biaya admin sebesar Rp 7.500 untuk penarikan tunai.

Biaya transfer antar bank melalui ATM Bersama berkisar antara Rp 6.500 hingga Rp 7.500.

Jika saldo tidak mencukupi, nasabah akan dikenakan biaya sebesar Rp 3.000.

Biaya admin ATM Bersama untuk cek saldo adalah Rp 4.000.

Berikut adalah ringkasan biaya transaksi di ATM Bersama:

Jadi, penting untuk memahami biaya transaksi di ATM Bersama sebelum melakukan transaksi.

Kelebihan utama ATM Bersama adalah kemudahan akses ke jaringan ATM yang luas, dengan lebih dari 20.000 mesin ATM yang tersebar di seluruh Indonesia.

Dengan jaringan ATM Bersama yang luas, Anda dapat melakukan transaksi keuangan dengan mudah dan cepat di mana saja.

Meskipun demikian, ATM Bersama juga memiliki beberapa kekurangan, seperti biaya transaksi yang lebih tinggi dibandingkan dengan menggunakan mesin ATM sendiri.

Biaya transaksi yang lebih tinggi ini dapat menjadi beban bagi beberapa pengguna ATM Bersama.

ATM Bersama offers a range of convenient features that make it a popular choice for banking on the go.

The ATM Link feature is quite impressive, providing a full range of services including top-up e-money Himbara.

You can also use the ATM Prima for standard transactions like withdrawing cash, checking your balance, and transferring funds.

One of the standout features of ATM Bersama is its international connectivity.

ATM Bersama is linked with international networks like Paynet (Malaysia), JCB (Japan), and Al-Rajhi (Saudi Arabia), making it easy to use your card abroad.

With ATM Bersama, you can withdraw cash and make transactions even when you're traveling overseas.

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ATM Bersama is a jaringan switching terbesar di Indonesia that has successfully connected with 90 institutions, including banks and non-bank institutions.

It's worth noting that ATM Bersama is the first jaringan switching in Indonesia to enable real-time online transactions between banks.

ATM Bersama has also connected with international partners, such as JCB from Japan, Paynet from Malaysia, and Al-Rajhi from Arab Saudi, allowing its members to make transactions in these countries.

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Tabungan Negara (BTN) is a part of the ATM Link network, which provides its customers with access to a wider range of ATMs from other state-owned banks.

This integration has increased the convenience and efficiency of transactions for BTN's customers.

BTN customers can now withdraw cash, check their account balances, transfer funds between banks, and pay various bills at any ATM Link terminal without incurring additional fees.

They can also purchase prepaid cards, top up their e-money accounts, and buy phone credits and data packages at these terminals.

Here's a breakdown of the benefits BTN customers can enjoy through ATM Link:

ATM Bersama is a network of switching that connects 90 institutions, including banks and non-bank institutions, making it the largest switching network in Indonesia.

ATM Bersama offers real-time online transfer services between banks, a feature that was first introduced in Indonesia by this network.

ATM Bersama has partnered with international payment systems, such as JCB from Japan, Paynet from Malaysia, and Al-Rajhi from Saudi Arabia, allowing its members to make transactions in these countries.

The network has made it possible for bank customers to conduct transactions across borders, expanding their financial reach.

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ATM Link is a network of ATMs owned by state-owned banks, specifically Bank BNI, Mandiri, BRI, and BTN.

There are over 45,000 ATM Link units spread across Indonesia, making it easily accessible to customers.

ATM Link machines can be identified by their distinctive red logo and the logo of the individual bank at the bottom.

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Using an ATM Bersama is a straightforward process. You can find one near you by searching online using Google Chrome, just type "ATM Bersama" in the address bar and press enter.

With thousands of ATM machines spread across Indonesia, you don't have to worry about finding a specific bank's ATM. You can access your account and perform transactions using your ATM/debit card, without the need for additional apps.

To withdraw cash from an ATM Bersama, simply follow these steps: find an ATM, insert your card, select Indonesian as your language preference, enter your PIN carefully, choose the withdrawal amount, and wait for the transaction to complete.

You can also use an ATM Link, which is similar to ATM Bersama. The process is the same, find an ATM, insert your card, select Indonesian, enter your PIN, choose the withdrawal amount, and wait for the transaction to finish.

Here are the general steps to use an ATM Bersama or ATM Link:

Remember to always keep your PIN secure and check your account balance before performing any transactions.

Using an ATM Bersama comes with numerous benefits. One of the most significant advantages is the wide accessibility of its services, with thousands of machines spread across Indonesia.

You can easily find an ATM near you, eliminating the need to visit a bank's physical branch. This convenience saves you time and effort.

The efficiency of ATM Bersama extends to its transaction fees. Although there may be some charges, they are relatively lower compared to traditional banking methods.

All ATM Bersama services can be accessed using your debit card, eliminating the need for additional apps or software. This makes transactions quick and hassle-free.

ATM Bersama prioritizes security, utilizing industry-standard encryption and PIN protection to safeguard your data.

ATM Bersama has a wide reach, connecting with 90 institutions, including banks and non-bank financial institutions. This extensive network makes it a convenient option for users.

The cakupan of ATM Bersama is impressive, covering a vast number of institutions. In contrast, ATM Link has a more limited focus on domestic networks.

Here's a brief comparison of the different ATM networks:

This difference in cakupan is crucial for users to consider when choosing an ATM network that suits their needs. By understanding the scope of each network, users can make informed decisions about their financial transactions.

BNI is part of the ATM Link network, allowing its customers to perform transactions such as withdrawing cash, checking their balance, and transferring funds between participating banks at a lower cost than using an ATM from a different bank.

Nasabah BNI can make the most of ATM Link to reduce their transaction costs.

BNI customers can use ATM Link to withdraw cash, check their balance, and transfer funds between participating banks at a lower cost than using an ATM from a different bank.

BNI's customers can enjoy lower transaction costs by using ATM Link.

Penggunaan ATM Link memberikan efisiensi biaya bagi nasabah dalam bertransaksi, as stated on BNI's official website.

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Let's talk about the cakupan anggota, or the scope of membership, for ATM networks in Indonesia.

ATM Link is a network that only covers four state-owned banks (BRI, BNI, Mandiri, and BTN), making it a relatively limited option.

On the other hand, ATM Prima has a much broader reach, covering 77 banks in Indonesia, including both private and regional banks. This makes it a more inclusive option for those with accounts from different banks.

ATM Bersama is another network that has a wide reach, connecting with 90 institutions, including banks and non-bank financial institutions.

Here's a quick comparison of the three networks:

As you can see, ATM Prima and ATM Bersama have a much wider reach than ATM Link, making them more suitable for those who need to access multiple bank accounts or non-bank financial services.