How To Deposit Money In An ATM?

04^th May 2025...

It's usual to use an ATM to withdraw money, but how many of you also use it to deposit money? It's safe to say that a relatively small percentage of consumers use ATMs to deposit cash. While some people are unaware that it is possible to deposit money at an ATM, most people are unaware of how to deposit money in atm in a safe and straightforward manner. Cash deposits, however, have grown more practical as Automated Teller Machines (ATMs) have become the norm.

You don't need to go to the bank any longer to deposit money in atm into your account. Rather, you can now deposit money immediately. In this post, you'll learn how to deposit cash in atm or CDM.

There are some ways how to deposit money through atm terminals. We will investigate some of the major ways that can help us in understanding how we can head to an ATM, also known as CDM (Cash Deposit Machine), and submit the money directly into the account, subject to clearing.

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Depositing Cash in ATM with a Card

There are numerous ATMs open all hours of the day and night, on weekends, and even on holidays. Depending on the machine, the actual steps could change. However, if you are depositing cash at the ATM of your bank, you'll normally follow these instructions and understand how to deposit cash in ATM:

Put your debit card in and your PIN.
Choose "Deposit."
Insert the cash after entering the desired deposit amount.
Verify the deposit's monetary value. If you want a receipt, the ATM will ask you for one after it has received the money.
Take your card and receipt.

Also Read: Things To Do if ATM Transaction Is Failed

Depositing Money in an ATM without a Card

If by chance you do not have your card, but you need to deposit cash in atm, these are the steps that you would need to follow and understand how to deposit money in atm without using your debit card:

Simply select "Cash deposit without a card."
Enter the account number you want to deposit money into.
The account holder's name will appear on the machine.
Click "Enter" if the displayed name is accurate.
Click "Continue" after placing the cash in the cash deposit slot.
Cash will be sorted by machine, and a summary will be displayed.
Click "Deposit" if the cash summary is correct.
The money will be transferred, and a receipt will be produced.

Can I Deposit Cash at any ATM?

Generally, the answer is no, you cannot deposit money in atm machines that are not connected to your bank. This differs from cash withdrawals from ATMs, where you often can do so even if you don't have an account with the bank that owns the ATM (usually for a fee). The Co-op ATM network is used by some credit unions to access shared ATMs.

ATM Deposit Limit

As per the rules set by the Reserve Bank of India, the per-transaction cap is Rs. 49,900 for cardless deposits and Rs. 2,00,000 for debit card transactions (subject to the account ceded with PAN number).

Also More: The Ins and Outs of Fixed Deposit Accounts

Things to Remember When Depositing Money via ATM

There are a few things that we must keep in mind when we are depositing cash in the ATM. Follow these steps to be safe while depositing your cash:

You can withdraw money from any bank's ATM network located throughout the nation, but you can only deposit cash into the specified banks, and only at designated cash-deposit kiosks.
You should be informed of your bank's policies regarding cash deposits, including the maximum amounts that can be deposited with or without an ATM card.
The website of your bank has a list of ATMs that accept cash deposits.
Make sure to use ATMs in well-lit places while depositing money.

Final Words

You may easily deposit cash whenever you want now that you know how to deposit money through atm methods. Deposits made at ATMs protect you from any risks related to home money storage. Before beginning the transaction, keep in mind to check your bank's ATM cash deposit limits.

FAQs

1. How to deposit cash in ATM without a card?
Select the “Cash Deposit without Card” option, enter your account number, verify the name, insert the cash, confirm the summary, and complete the transaction.

2. Can I deposit money in ATM of another bank?
No, generally you can only deposit money in the ATM of your own bank. Unlike withdrawals, interbank ATM deposits are not universally enabled.

3. How to deposit money in ATM with a card?
Insert your card, enter your PIN, select ‘Deposit’, insert cash, verify the amount, and collect your receipt. This is a common method if you're wondering how to deposit money in atm directly.

4. Is it safe to deposit cash in an ATM?
Yes, depositing cash in ATMs is safe if you use machines located in secure, well-lit areas and avoid peak risk hours.

5. What’s the limit on deposit cash in ATM?
You can deposit up to ₹49,900 per transaction without a card and up to ₹2,00,000 with a card, depending on your PAN linkage and account type.

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