Think ATMs Are Only for Cash? Discover 13 Surprising Services You Can Use Anytime

Most of us see ATMs as nothing more than quick cash machines: insert card, grab cash, move on. But what if you knew that these everyday machines could do so much more than just hand out money?

Modern ATMs have quietly transformed into mini digital branches, packed with features that make banking simpler and faster—no need to stand in long queues or even use the internet. Yet, surprisingly, many people still don’t know about these hidden tools.

Whether you’re short on time, prefer avoiding crowded bank halls, or simply love convenience, here are 13 handy services you can access at an ATM besides cash withdrawals:

1. Check Your Account Balance Instantly
Skip the app or SMS. Just insert your card, enter your PIN, and see your balance right on the screen.

2. Print a Mini Statement
Most ATMs can print your recent transactions—usually the last 5 to 10 entries—so you can track spending on the go.

3. Change or Reset Your ATM PIN
Need to update your PIN? ATMs make it simple. With an OTP sent to your registered mobile number, you can change your PIN safely and quickly.

4. Update Your Mobile Number
Banks like SBI and ICICI let you update your registered mobile number directly through their ATMs—no branch visit required.

5. Transfer Funds Within the Same Bank
Don’t have net banking? You can transfer money between your own accounts or to someone else’s account in the same bank through the ATM.

6. Deposit Cash Anytime (24×7)
Cash Deposit Machines (CDMs) let you deposit cash into your account, or even into someone else’s, any time of the day or night.

7. Pay VISA Credit Card Bills
Many ATMs allow you to pay credit card bills (especially if the card is from the same bank) directly and instantly.

8. Recharge Mobiles & Pay Bills
Some ATMs support mobile top-ups and utility bill payments, making it easier to keep your phone active and your bills paid.

9. Open a Fixed Deposit (FD)
Yes, some banks let you open an FD straight from an ATM, provided you have enough balance—saving you a trip to the branch.

10. Transfer Money Card-to-Card (Same Bank)
For example, SBI ATMs allow card-to-card transfers of up to ₹40,000 per day without any fee—ideal for quick fund transfers.

11. Pay Life Insurance Premiums
Use the ATM to pay premiums for major insurers like LIC, SBI Life, or HDFC Life, thanks to bank-insurer partnerships.

12. Request a New Cheque Book
Running low on cheque leaves? Simply request a new cheque book from the ATM in a few taps.

13. Activate Mobile Banking Services
Haven’t started mobile banking yet? Many ATMs let you register directly, making it easier for anyone to join the digital banking world.

ATMs have quietly evolved from simple cash points into round-the-clock service hubs that bring the bank to you. Next time you pass by an ATM, remember: it’s not just a machine—it’s your personal mini bank, ready to help anytime you need.