Turn Your Device Into a Micro ATM

Micro ATM turns your smartphone or POS device into a mini banking point, letting customers withdraw cash, check balance and deposit money using a debit card or biometric authentication — ideal for areas without a nearby bank branch or ATM.

Cash Withdrawal Cash Deposit Balance Enquiry

RBI Business Correspondent Guidelines Compliant

What You Can Offer With Micro ATM

Cash Withdrawal

Card or biometric-based cash withdrawal from any bank account.

Cash Deposit

Accept cash deposits into a customer's linked bank account.

Balance Enquiry

Instant account balance check for any linked bank account.

Low-Cost Interchange

RBI/NPCI-capped interchange keeps transaction costs affordable.

How Micro ATM Works at Your Counter

Swipe or Scan

Customer swipes their debit card or authenticates via biometric.

Enter PIN & Amount

Customer enters their ATM PIN and the amount to withdraw/deposit.

Cash Handed Over

Transaction is authorized in real time and cash is handed over.

RBI Guidelines & Rules for Micro ATM

Micro ATM functions under RBI's Business Correspondent (BC) framework for last-mile banking. Key points for retailers:

Withdrawal cap: typically â‚¹10,000 per transaction, as set by the sponsor bank within RBI/BC norms.

Authentication required: biometric (Aadhaar) or card + PIN, per RBI/NPCI standards.

Interchange fee capped: â‚¹2 for withdrawals up to â‚¹2,000; up to â‚¹15 for â‚¹5,001–â‚¹10,000, per RBI/NPCI norms.

Agent due-diligence: BC agents must be registered and vetted by the sponsor bank per RBI's BC Master Direction.

This information is provided to help retailers understand the regulatory framework and is not exhaustive. Always refer to the latest RBI/NPCI circulars and your sponsor bank's onboarding terms before offering this service.

Who Can Become a Micro ATM Agent?

Any Indian resident, 18 years or older

Valid PAN & Aadhaar for KYC

A card-swipe/biometric-enabled Micro ATM device

Sufficient cash-in-hand for withdrawals