A shared ATM is a situation where an ATM belonging to one bank is made available for use by a customer of a different bank, with a different bank card or credit card.
Within customer limits, the following can be done at shared ATMs;
- Deposit
- Withdrawal
- Balance Inquiry
- Credit card debt inquiry
- Credit card limit inquiry
- Credit card debt payment transactions can be carried out.
Shared ATM usage can be offered to customers free of charge through interbank agreements.
For example; transactions carried out at public bank ATMs with public bank cards are free of charge.
Similarly; between private banks (TEB, Denizbank, and QNB Finansbank), up to 3 free transactions per month can be carried out.
A commission that varies according to transaction type and amount is charged for transactions made at other banks. For this reason, it will be useful for cardholders to be aware of the commissions charged when transacting at shared ATMs, and to act accordingly.
The banks offering free shared ATM usage, the transactions that can be carried out via the ATM, and the usage conditions are shown in the table below.
| State Banks | Private Banks | |
| Banks Using Shared ATMs | EmlakBank Ziraat Bankasi Halkbank Vakifbank Ziraat Katilim Vakif Katilim | QNB Finansbank TEB Denizbank |
| Transactions That Can Be Made | Deposit Withdrawal Balance Inquiry Credit Card Debt Inquiry Credit Card Debt Payment | Deposit Withdrawal Balance Inquiry Credit Card Debt Inquiry Credit Card Debt Payment |
| Conditions | Unlimited transactions can be made within customer transaction limits. | Up to 3 free transactions can be made in total each month. |
Are shared ATM transaction commissions the same for all banks?
The maximum rates and amounts banks can charge are published by BKM (the Interbank Card Center). Based on these rates and amounts, banks manage the commissions they charge customers. For this reason, shared ATM transaction commissions vary by bank.
Are shared ATM withdrawal limits the same for all banks?
Shared ATM transaction limits vary by bank. In addition, the maximum amount that can be withdrawn via ATMs varies depending on the limits of the bank being used and the type of account held.