Cash Deposit Guide at BRI ATM, Can Use Card or Without Card via BRImo

Kapanlagi.com - Saving money is now more practical because customers do not have to go to the teller to deposit cash. BRI provides cash deposit services through special ATM machines that allow transactions to be conducted at any time, including outside of branch office hours.

How to save money at BRI ATM can be chosen according to needs, namely using a debit card or without a card through the BRImo application. Both methods allow funds to be deposited directly into the account as long as the applicable requirements and procedures are met.

The cash deposit machine is one of the services that facilitates independent banking activities. In addition to saving time, this service also provides convenience for workers, students, and entrepreneurs who need quick transactions without having to queue at the bank.

1. Introducing BRI Cash Deposit ATM and How It Works

Saving through BRI ATMs means depositing cash directly into an account using the machine, not through a teller. This service is available on machines specifically designed to accept cash deposits automatically.

Not all BRI ATMs have this feature. Currently, BRI relies on Cash Recycling Machines (CRM) that can serve two functions simultaneously, namely accepting cash deposits and facilitating cash withdrawals in one device.

With the CRM machines, customers can make cash deposits 24 hours a day without having to wait for the branch office to operate. This system provides a practical solution for people who need flexibility in their transaction times.

The concept of cash deposit machines was introduced in 1960 by inventor Luther Simjian through a machine called the Bankograph. This machine could accept banknotes, coins, and even checks, and was tested in New York City in 1961. However, its use was discontinued six months later because at that time, public trust in the technology was still low.

Although the trend of digital payments continues to grow, cash deposit services still play an important role in Indonesia, especially for people who still rely heavily on cash in their daily activities.

2. Requirements and Limits for Cash Deposits at BRI ATMs

Before making a cash deposit, customers need to ensure that all requirements have been met so that the transaction proceeds without any issues.

BRI stipulates that transactions can be made using an active savings account along with an ATM card, or using a registered mobile number if choosing the cardless method through BRImo.

The money to be deposited must also be in denominations of Rp50,000 or Rp100,000. The condition must be clean, not folded, not torn, and not held together with clips or rubber bands to ensure easy reading by the machine.

In one transaction, the machine can accept a maximum of 100 sheets of money. If the deposit amount exceeds this capacity, customers need to make deposits in stages.

The cash deposit service at BRI ATMs does not incur administrative fees. The deposited funds will also be credited to the account in real-time after the transaction has been successfully processed.

Meanwhile, the maximum limit for cash deposits per day varies according to the type of card used, namely:

• Simpedes and BritAma Classic: a maximum of Rp30 million per day.
• BritAma Gold: a maximum of Rp50 million per day.
• BritAma Bisnis and BRI Prioritas: a maximum of Rp100 million per day.

For cardless transactions through BRImo, the cash deposit limit reaches Rp30 million per day for regular customers, while Priority and Private customers can deposit up to Rp100 million per day.

3. How to Save Money at BRI ATM Using a Debit Card

For customers who have an ATM card, cash deposits can be made through BRI's CRM or CDM machines. Before starting the transaction, make sure the machine used has a cash deposit feature to ensure a smooth process.

The cash deposit ATM works with scanner technology that can automatically count the amount of money while also verifying the condition of each banknote inserted. Therefore, the money deposited should be in neat and undamaged condition.

Here are the steps to save money at BRI ATM using a debit card:

1. Visit the BRI cash deposit ATM (CRM or CDM).
2. Insert the ATM card into the machine slot.
3. Select the desired language.
4. Type in the ATM PIN consisting of six digits.
5. Select the Cash Deposit menu, then press Continue.
6. Select the destination account, which is your own savings account.
7. Insert the money into the slot that opens automatically.
8. Check the amount displayed on the screen.
9. If the amount is correct, press Deposit.
10. Wait for the machine to issue a receipt, then retrieve your ATM card.

The entire process generally only takes a few minutes. After the transaction is successful, the account balance will immediately increase according to the amount received by the machine.

4. Steps for Cash Deposit Without Card Through BRImo

BRI also provides cash deposit services without a card for customers using the BRImo application. This feature allows transactions to be conducted using only an access code generated through the application.

Before heading to the ATM, make sure the BRImo application is active and the phone number used is registered for the service. The access code generated is temporary and must be used immediately.

Here are the steps for cash deposit without a card through BRImo:

1. Visit a BRI CRM ATM that serves cash deposits.
2. Open the BRImo application and log into your account.
3. Select the Cash Deposit & Withdrawal menu, then press Cash Deposit.
4. Specify the account for the deposit.
5. Enter your BRImo PIN.
6. The application will display a six-digit access code.
7. On the ATM, select the Cardless Transaction menu.
8. Enter the access code.
9. Type in the phone number registered with BRImo.
10. Insert the cash into the machine's drawer when it opens.
11. Double-check the amount displayed on the screen.
12. Press Deposit to complete the transaction.
13. Take the receipt as proof of deposit.

After the transaction is processed, the funds will be credited to the account in real-time without needing to use a debit card.

5. Things to Consider When Making Cash Deposits at BRI ATMs

Security is an important aspect when making cash deposits at ATMs. Choose a safe location and avoid conducting transactions when there are people standing too close to maintain the confidentiality of your data and PIN.

Before inserting money into the machine, arrange all the bills so they face the same direction. Also, ensure that there are no crumpled, torn, tangled bills, or bills that are still attached with staples, clips, or rubber bands, as these conditions can cause the machine to reject the deposit.

Transaction disruptions can also occur if the machine is full, experiencing technical issues, or if it is not an ATM that supports cash deposit features. If the money has been inserted but the balance has not increased, keep the transaction receipt, note the time and location of the ATM, and then immediately contact BRI customer service for assistance.

Storing money through a bank account provides a higher level of security compared to keeping cash on hand. Additionally, the habit of saving regularly also helps prepare an emergency fund that ideally equals three to six months of expenses.

By understanding the requirements, transaction limits, and steps for cash deposits both using a card and without a card through BRImo, customers can utilize BRI ATM services more practically and efficiently in managing their daily finances.

(kpl/mda)