Currently, it seems that many citizens are curious and find out what the difference between atm links and non-links is. Curious? Let’s just look at the following reviews that Sabilia will convey.
ATM machines are tools that are often used by bank customers when they want to make transactions or withdraw money.
However, there is an interesting policy that has been highlighted recently, namely the government’s decision to charge fees for using ATM links. Yep, starting June 1, 2022, transactions and checking balances at the atm link will incur additional fees.
However, it seems that there are still people who are confused when distinguishing between linked and non-linked ATMs. Listen to the end.
What is ATM Link?
Link means connected or linked. ATM link itself is a product of state-owned banks or Himbara (State Bank Association) where there are 4 collaborating banks (Mandiri, BNI, BRI, and BTN) and can be accessed at the same ATM.
Until now there are at least 53 thousand atm links spread throughout Indonesia. However, this link atm is different from a shared atm. Atm link you can use using the four banks above.
Previously there were no transaction fees or balance checks at the ATM link, aka free. However, the new policy that has been made will apply this fee in which there is an additional Rp. 2,500 to check balance and Rp. 5,000 for each withdrawal. Meanwhile, the fixed transfer fee is Rp. 4,000 per transaction.
ATM Bersama and Prima
Atm link is different from atm shared. ATM Bersama has more members and is connected to each other so as to provide convenience for customers to transact.
Atm Bersama was a pioneer in inter-bank transactions which was very unique in its time. In addition, ATM Bersama has been operating for more than 30 years with more than 90 members. This joint ATM also has members not only state banks but also private banks.
While atm link only has members of state-owned banks or Himbara, namely Mandiri, BNI, BRI and BTN only.
Meanwhile, ATM Prima is a product of the Prima network that connects many banks in Indonesia. Its superior feature is interbank settlement which can be processed quickly in less than 1 minute. Currently atm prima also has more than 80 bank members.
ATM Link and Link Only
Well, as internet users, of course, you also know that there is a link feature. Atm link and link alone are both issued by SOEs.
However, there is a difference between Atm link and link only. If the atm link is a joint transaction feature between members of a state-owned bank. In contrast to Link only, which is a virtual atm feature or can be called a digital wallet that can be used for various non-cash transactions.
By ownership, this link is under PT. Fintek Karya Nusantara. For synergized features, such as Telkomsel’s Tcash digital wallet service, Mandiri Bank’s E Cash, BNI’s UNIQUE Bank and BRI’s T bank.
So, what is the difference between ATM Link and Non Link?
Difference between ATM Link and Non Link
After the news about ATM Link implementing this new policy, many questions arise in the public’s mind. Especially those who don’t really understand what an atm link is and how to tell the difference.
To distinguish atm link and non link itself is actually very easy. There are at least 2 very clear differences when looking at atm links and non links.
- Bank Membership
As mentioned earlier, atm link is an association of state-owned banks or Himbara. So it’s clear, banks that are not included are not members of atm link. And just remember that there are only 4 atm link members, namely Mandiri, BNI, BRI and BTN.
- The characteristics of both are physical ATM machines.
For atm machines, this link is very easy to recognize, even though at first glance it is almost similar to a shared or link atm. But you will find the logo atm link on the atm machine. Usually atm links are in crowded places and supermarkets.
The final word
So that was a little explanation about the difference between atm link and non link. If it’s still not clear, just write it in the comments column. Maybe that’s all the discussion this time. Thank you.
