Know your ATM
Know Your ATM
Simple safety habits for cash withdrawals, PIN use and personal data — so every transaction at a Muthoot ATM stays secure.
Do’s
Safe habits at the machine
Muthoot ATMs offer services such as cash withdrawal, balance enquiry, PIN change and mini statement. A few deliberate steps keep each visit comfortable and secure.
- Check that the machine looks clean, well-lit and clearly marked as a Muthoot ATM before you begin.
- Shield the keypad with your hand while entering your PIN so nobody can read the digits.
- Count the cash and take your card and receipt before leaving the counter.
- Keep your card in your possession at all times — never hand it to a stranger to “check” a transaction.
- Use services you need only, and collect the mini statement or printed slip for your own records when required.
Don’ts
What to avoid
Most risks at any ATM come from avoidable habits. Keeping these points in mind protects your card and your money.
- Do not disclose your PIN, card number, password or OTP to anyone, including bank or Muthoot ATM staff.
- Do not accept cash or help from strangers at the machine, and avoid crowds around the screen.
- Do not insert a card that was already in the slot before you arrived.
- Do not write your PIN on the card, in a notebook, or on any paper kept with it.
- Do not share personal or banking details with callers who claim to be from a bank or from Muthoot ATM.
Personal data
Protecting your information
Some Muthoot ATM services involve personal details, such as card to card fund transfer, Aadhaar number seeding, mobile number registration, cheque book request and statement request. Treat these carefully:
- Verify the amount and the service on the screen before confirming any transaction.
- Collect printed slips and receipts promptly, and keep them for reference.
- Keep Aadhaar, mobile and cheque book details private, and do not share them verbally at the machine.
At a glance
Before and after your transaction
| Stage | Do | Don’t |
|---|---|---|
| Before you start | Confirm the machine is a Muthoot ATM and that the display looks normal. | Use a machine with an unknown or tampered slot or keypad. |
| Entering the PIN | Cover the keypad and check the amount on screen before confirming. | Announce or type your PIN where others can see or hear it. |
| Taking the cash | Count the notes, collect the card and receipt, then leave. | Leave cash, card or receipts at the machine. |
| Afterwards | Keep slips and review your account statement for each transaction. | Share PIN, OTP or card details with anyone. |
Need more information? Read the Frequently Asked Questions for details on transaction limits, accepted card types and service availability, or review the full list of ATM services offered at Muthoot ATMs.
Before you begin any transaction at a Muthoot ATM, take a moment to look around the machine itself. Check that it appears clean, well lit and clearly marked as a Muthoot ATM, and that the surroundings feel appropriate for a banking activity. A machine that looks tampered with, poorly maintained or oddly positioned is a good reason to move to another location. Familiarity also helps: once you know what a normal machine looks like, unusual additions or modifications become easier to spot.
Shielding the keypad is one of the simplest and most effective habits you can build. When entering your PIN, use your free hand or body to block the view of the digits, so nobody standing nearby can memorise them. Avoid announcing or discussing your PIN, and never write it down anywhere near the machine. Remember that no genuine bank employee will ever ask for your PIN under any circumstances, so treat any such request as a warning sign and refuse it firmly.
Once the cash is dispensed, count the notes carefully before you step away from the machine. Take your card back from the slot, and collect your printed receipt if you need it for reference or for resolving a later dispute. Leaving promptly with everything in hand reduces the chance of misplacing items or of someone else claiming to have handed you something. Staying alert for the duration of the transaction, even in a familiar neighbourhood, is a habit that costs little and protects a great deal.
Keep your card firmly in your possession at all times. Never hand it to a stranger who offers to "check" a transaction, to a shopkeeper who wants to "verify" a payment, or to anyone asking you to read details from it. Similarly, be cautious about unsolicited help at the machine, such as someone pointing out which button to press or offering to hold your bag while you withdraw cash. Genuine assistance rarely requires physical access to your card.
Use only the services you actually need, and collect your card, receipt and belongings before leaving the counter area. Services offered at Muthoot ATMs include cash withdrawal, balance enquiry, PIN change and mini statement, and each one adds another moment during which you should stay aware of your surroundings. If anything goes wrong, such as an error message, a retained card or a dispute about the amount dispensed, note the details on screen, keep the receipt and raise the concern through the official grievance channel so it can be properly recorded and investigated.
Questions or concerns?
Reach the Muthoot ATM team for help with services or to raise a complaint.