How Micro ATM works?

What is Micro ATM Device?

A micro ATM machine is essentially a hand-held device that connects to a bank’s central server through a wireless network. To use a micro ATM, customers need to have an Aadhaar card, debit card, or mobile number linked to their bank account. The micro ATM prompts the user to enter their banking details, and once authenticated, the user can carry out a variety of transactions.

One of the most significant advantages of micro ATMs is that they enable customers to carry out transactions without having to visit a physical bank branch. This is particularly useful for those living in remote areas where access to banking services can be difficult. Additionally, micro ATMs can be used to disburse government subsidies and payments, which can be particularly helpful in areas where cash payments are still the norm.

How Micro ATM works?

To carry out a transaction on a micro ATM, customers need to follow these steps:

  1. Authentication: The user needs to authenticate themselves using biometric data like fingerprints or iris scans, or by entering their Aadhaar card or mobile number linked to their bank account.
  2. Transaction Type: Once authenticated, the user can select the type of transaction they want to carry out, such as cash withdrawal or balance inquiry.
  3. Transaction Amount: The user then enters the amount they want to withdraw or transfer.
  4. Confirmation: The user confirms the transaction, and the micro ATM processes the request.
  5. Receipt: The micro ATM prints out a receipt confirming the transaction.

It is important to note that micro ATMs are typically operated by agents who are trained to use the devices. These agents can be bank employees, business correspondents, or other individuals authorized by the bank to operate the devices.


In conclusion, micro ATMs are an innovative solution to the problem of financial inclusion. They are small, portable, and easy to use, enabling customers in remote areas to access basic banking services. Micro ATMs are secure, cost-effective, and have the potential to bring banking services to millions of people who are currently excluded from the formal banking system. By understanding how micro ATMs work, we can appreciate the potential they have to revolutionize the banking industry and improve the lives of millions of people.

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