What is ATM Link and List of Joined Banks – ATM Link are all ATMs consisting of four registered banks that are members of the State Bank Association (Himbara), namely: Bank Mandiri, BNI, BRI and BTN with the ATM Link logo. Currently, there are 53 thousand ATM Links spread across all regions of Indonesia.
Features owned by ATM Link
Customers can make transactions:
- Cash Withdrawal / Cash Withdrawals
- Balance Inquiry / Check Balance
- Interbank transfer
- Bill Payment
- Credit Purchase
- Himbara electronic money top-up / top-up (e-Money, Brizzi, Tap cash and Blink)
Especially for electronic money refills, for now it is still being carried out at the issuing Himbara Bank ATMs, namely:
- e-Money Card to ATM Link with Bank Mandiri or Bank BTN logo
- Brizzi Card to ATM Link with Bank BRI logo
- Tapcash Card to ATM Link with Bank BNI logo
- Blink Card to ATM Link with Bank BTN logo or Bank Mandiri logo
Benefits of Using ATM Link
ATM Link offers several benefits for Bank Himbara customers (Bank Mandiri, BNI, BRI and BTN), who conduct business transactions through ATM Link, namely:
- Free Cash Withdrawal / Cash Withdrawal fees on all ATM Link networks
- Free Balance Inquiry / Check Balance fees on all ATM Link networks
Cheaper fees for business transactions for transfers between Himbara Banks in all ATM Link networks compared to other ATM networks, amounting to IDR 4,000 (four thousand rupiah)
Easy to reach, with 53 thousand ATMs spread throughout Indonesia and reaching remote corners of the country.
What is the difference between ATM Link, Link Aja and ATM Bersama
ATM Link is an ATM service from Himbara Bank that allows customers to make cash withdrawals / cash withdrawals, balance inquiries / check balances, transfers between banks, bill payments, purchase credit, reload / top up electronic money or other banking business transactions.
Link Only is a virtual wallet based on a smartphone program that stores balances used to pay for various e-business transactions. Please visit https://www.linkaja.id/ for more complete information regarding Link Only.
The difference between the 3 of each is the physical characteristics of the ATM machine, at first glance it is not much different between the two between ATM Link and ATM Bersama. What compares is the logo on the 2nd ATM machine, both ATM Link and ATM Bersama.
Until when you do business, take cash, check balances, payments or something else. You can find out what type of ATM is being used by looking at the logo attached to the ATM machine unit.
In addition to the physical differences above, ATM Link and ATM Bersama have differences in the color of the ATM machine. Which ATM Link has a more prominent color than ATM together with the red and white color.
What if the customer experiences problems / problems when transacting at ATM Link
Customers can submit complaints about business transactions to the Card Issuing Bank
Can ATM Link be used for BCA Bank?
In general, ATM link has the same role as ATM Bersama, but ATM Link gives the advantage that transaction fees are cheaper compared to ATM Bersama.
For example, a user who has an account with a bank and an ATM card belonging to a state bank or state-owned company is getting cheaper fees than other banks or private banks.
does not apply to private banks, for example CIMB Niaga, BCA, Central Java BPD, Danamon, Mybank, Panin and others, normal fees apply
otherwise state-owned banks will be charged a normal fee of Rp. 7,500. can atm link be for BCA? The answer is “Can” but the normal fee is Rp. 7,500
What are the characteristics of ATM Link
At that time, ATM Link had certain characteristics. Where the most prominent thing about ATM Link is that it has a red and white color like the Indonesian flag. However, there are other characteristics of the ATM issued by 4 of the country’s banking companies. Then what are some of the characteristics of the ATM Link?
ATM Link will display the logo of 4 State Banking Companies on the ATM machine screen. Besides that, another characteristic is that the ATM machine box is dominated by red and white colors. Next, the ATM Link receipt will display the link logo. In addition, the ATM Link transfer fee is cheaper, namely Rp. 4,000.
It is important for you to know some features of ATM Link. The reason is that there are several cases of them being deceived by ATM Link. Is it in terms of the Link logo or in terms of the logo of the banking company. Where if you do business transactions through the Link ATM machine without the above requirements, additional fees will be charged.
Which Bank ATMs Can Be Used
As stated in the above description, ATM Link can be used for state-owned banks (BUMN), namely: Bank Mandiri, BNI, BRI and BTN
ATM Link Cash Withdrawal Fee 2022
Starting June 1, 2022, network ATM Link have Himbara Banks (Mandiri, BNI, BRI, and BTN) charge a fee to check balances and collect cash. Initially, customers at the four banks were able to carry out these two business transactions for a fee of IDR 0 or free.
“This administrative fee is valid from June 1, 2022 and so on until there are changes in the future,” said the information on BNI’s official website, taken on Friday, May 21, 2022.
The same information is said by other state-owned banks on their respective websites. Starting from Bank Mandiri, BRI, to BTN.
To check the balance, the customer must pay a fee of Rp. 2,500 and to take cash in the amount of Rp. 5,000. Meanwhile, for transfers, the fee remains the same, which is still Rp. 4,000.
Despite the changes, this state-owned bank network said some customers still benefited. Because, they can still do business with more economical costs than business transactions at non-Link ATMs.
On the official website, BNI also provides a difference in the cost of business transactions with non-Link ATMs, which are more expensive. Starting from checking the balance of Rp. 4,000, taking cash of Rp. 7,500, and transferring Rp. 6,500.
To see complete information and physical appearance of ATM Link, please access the following page: https://www.bni.co.id/id-id/teras/information/information/articleid/7556
