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"Cash Deposit"

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A Cash Deposit Machine (CDM) used for depositing cash directly into a bank account

ATM

What is a CDM (Cash Deposit Machine)?

CDM is short for Cash Deposit Machine. It refers to ATMs that allow you to deposit money directly into your account using a card. You can use CDM ATMs to carry out transactions on your account without visiting a branch.

Diagram of an ATM shutter mechanism for cash deposit and withdrawal

ATM

What is an ATM Shutter?

The shutter can be described as the gate mechanism that prevents financial loss during ATM cash deposit and withdrawal transactions by controlling customer access to cash and preventing tampering with the ATM system.

ATM dispenser unit showing cash cassettes

ATM

What is a Dispenser?

A dispenser is a part of the ATM. It contains cassettes where cash is loaded; these cassettes are configured during ATM installation. Based on the defined denomination, cash is loaded so the ATM can dispense that type to customers. Does every ATM have a dispenser?

Diagram illustrating ATM cash overage and cash shortage reconciliation

ATM

What are Cash Overage and Cash Shortage?

Cash overage and cash shortage are terms used in any system that operates with a cash account. A cash overage means more money is physically present than the ledger indicates; a cash shortage means less. In payment systems, these terms are most often used for ATMs.

Diagram illustrating how a recycle ATM reuses deposited banknotes for withdrawals

ATM

What is a Recycle ATM?

ATM devices were originally designed for customers to withdraw cash from their accounts. But since many transactions are now possible through ATMs (for example, deposits), many improvements have been made for more effective ATM use. One of the most important examples is Recycle ATMs.

Diagram illustrating how a recycling ATM reuses deposited banknotes for withdrawals

ATM

What Is a Recycling ATM?

The word literally means recycled or circulating. In payment systems, it refers to physically dispensing money deposited at ATMs to customers who want to withdraw cash, adding deposits straight into the withdrawal pool.

ATM machine with card reader, keypad and screen

ATM

15 Interesting Facts About ATMs

Although we can now carry out almost all branch transactions at an ATM, for most of us an ATM is still just a machine for depositing and withdrawing cash. Today, without a card, we can use our phones to deposit and withdraw cash via QR code.

Cover page of the CBRT guide linking payment business models to payment service types

Payment Systems

Guide Linking Payment Business Models to Payment Service Types Published

This Guide links business models frequently encountered in the payments field to the payment services listed in Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions, and aims at uniformity in practice.

Transactions available at an ATM

ATM

Transactions You Can Make at an ATM

Moving branch transactions to channels such as ATMs, internet banking and mobile banking lowers banking costs, so almost every transaction can now be done through them. Here is what ATMs offer.

Illustration of an ATM with a voice menu for visually impaired customers

ATM

What Must Banks Do for Visually Impaired Customers?

Banks must provide the infrastructure for ATM access by visually impaired customers. Among ATMs side by side or less than 50 meters apart, only one needs to comply; all other ATMs must serve visually impaired customers. Details of Article 7 are below.