This is the list of ATM Bersama Partner Banks, please note!
You may have experienced difficulties when trying to make a transfer to a friend's account whose bank is different from the one you use in Indonesia. This can be caused by the absence of ATM machines from the bank you use. However, there is no need to worry, because this kind of problem only happened a few years ago. Now, with the advent of switching networks, the transaction system between banks has been connected, making the transfer process easier. But are you familiar with the concept of switching networks?
In this digital era, banking institutions in Indonesia are increasingly aware of their customers' needs, which is reflected in more flexible access to financial transactions, including using Indonesian credit cards. Switching networks facilitate connections between banks, allowing customers from one bank to transact at another bank's ATM terminals or make mobile banking transfers to another bank. Despite the benefits to customers, it is important to know which banks are connected to the switching network.
In Indonesia, there are several popular local switching networks, such as ATM Bersama and Prima, as well as other ATM networks such as LINK and Alto. Now, money transactions to all banks in Indonesia can be done easily by simply entering the destination bank code, including the use of Indonesian credit cards.
One of the largest switching networks in Indonesia is ATM Bersama, which began operations in 1990 with a number of member banks, including for the use of Indonesian credit cards. Currently, the number of member banks and institutions has reached more than 91. ATM Bersama services are generally used for cash withdrawals, transfers, and balance checking. The network has been operating for 30 years and is considered a pioneer of interbank transactions in Indonesia. ATM Bersama now connects more than 80,000 ATM machines across Indonesia.
Most likely, the bank you use is also connected to the ATM Bersama network, including for Indonesian credit card usage. However, to be sure, check if your ATM card has the ATM Bersama logo on the back and make sure the ATM machine you plan to use also displays the logo. ATM Bersama transaction fees are usually lower than international networks such as Cirrus, Mastercard, or VISA, including for Indonesian credit card usage.
Even if you don't have an account at the bank that owns the ATM machine, you can still perform several transactions through ATM machines that display the ATM Bersama logo, such as cash withdrawals, balance checks, and interbank transfers. Basically, how to use ATM machines in the ATM Bersama network is the same as using your own bank ATM machine. There is no significant difference in the process.
The number of banks and institutions that are members of the ATM Bersama network continues to grow, including for the use of Indonesian credit cards. In addition to banks, several other institutions have also joined. Is the bank you use registered in the ATM Bersama network? If yes, then various transaction problems can be minimized, expediting your business.
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