ATM Bersama
ATM Bersama

Electronic payment solutions aren't an option. Realizing this ARTAJASA were the first to set up the first Shared ATM network in Indonesia. Empowering consumers to transact with participating banks and financial institutions. For banks, it streamed their operations, significantly reduced costs and time of payment- related operations and receive fee bases, which resulted in economies of scale.

Today ATM Bersama offer many interbank facilities, including balance inquiry, cash withdrawal and real time-online transfer to other accounts of members of the shared network. In 2004 ARTAJASA initiated a cross-border ATM Bersama with partner provider MEPS, Malaysia to service Indonesian workers, students living there as well as tourists.

Singapore and Thailand have already been linked to the ATM Bersama network with NETS and ITMX respectively. ARTAJASA will continue to extend our across border ATM BERSAMA network to include more of ASEAN and to countries which host large numbers of Indonesian workers and students.

To the consumer the wide presence of ATM Bersama and it the network that covers all major banks is a valuable contribution to their busy life-style. Undoubtedly it will contribute significantly to the loyalty of consumers to their respective banks.

LIST OF MEMBER OF ATM BERSAMA

No Name of Member Code Screen Display
1 ANZ-Panin Bank 061 ANZ
2 Bank Aceh 116 BPD ACEH
3 Bank Agroniaga 494 ATM AGRO
4 Bank Andara *
5 Bank Artos Indonesia 542 B.ARTOS
6 Bank Bengkulu 133 BENGKULU
7 Bank BJB 110 BPDJABAR
8 Bank BNP 145 BNP
9 Bank BPD Kalsel 122 KALSEL
10 Bank BPD Kaltim 124 BPD KALTIM
11 Bank Bukopin 441 BUKOPIN
12 Bank Capital 054 CAPITAL
13 Bank Commonwealth 950 COMMBANK
14 Bank DKI 111 DKI
15 Bank Ekonomi *
16 Bank Ganesha 161 GANESHA
17 Bank ICB Bumiputera 485 BANK BP
18 Bank ICBC *
19 Bank Ina Perdana 513 BANK INA
20 Bank Index 555 B.INDEX
21 Bank Jabar Banten Syariah 425 JABARSYA
22 Bank Jambi 115 JAMBI
23 Bank Jateng 113 JATENG
24 Bank Jatim 114 BANK JATIM
25 Bank Kalbar 123 BANK KALBAR
26 Bank Kesejahteraan 535 BKE
27 Bank Lampung 121 LAMPUNG
28 Bank Maluku 131 ATMALUKU
29 Bank Mayapada Internasional 097 MAYAPADA
30 Bank Mayora 553 B MAYORA
31 Bank Mega 426 MEGA
32 Bank Mestika 151 MESTIKA
33 Bank Muamalat 147 MUAMALAT
34 Bank Nagari 118 B.NAGARI
35 Bank Nobu 503 NOBUBANK
36 Bank NTB 128 BANK NTB
37 Bank NTT 130 BANK NTT
38 Bank of China **
39 Bank of India Indonesia 146 SWADESI
40 Bank Panin 019 PANIN
41 Bank Papua 132 BPDPAPUA
42 Bank Pundi 558 EKSEKUTF
43 Bank QNB Kesawan 167 KESAWAN
44 Bank Riau Kepri 119 BANK RIAU
45 Bank Saudara 212 HS 1906
46 Bank Sinarmas 153 SINARMAS
47 Bank Sulselbar 126 SULSEL
48 Bank Sulteng 134 BSULTENG
49 Bank Sultra 135 B SULTRA
50 Bank Sulut 127 SULUT
51 Bank Sumsel Babel 120 BSUMSEL
52 Bank Sumut 117 BPDSUMUT
53 Bank Syariah Mandiri 451 BSM
54 Bank Syariah Mega Indonesia 506 BSMI
55 BII Maybank 016 BII
56 BNI 46 009 BNI
57 BPD Bali 129 BPD BALI
58 BPD DIY 112 BPD DIY
59 BPD Kalteng 125 BKALTENG
60 BPR Eka Bumi Artha *
61 BPR Karyajatnika Sadaya 558 EKSEKUTF
62 BPR Semoga Jaya 558 EKSEKUTF
63 BRI 002 BRI
64 BRI Syariah 422 BRIS
65 BTN 200 BANKBTN
66 BTPN 213 BTPN
67 CIMB Niaga 022 NIAGA
68 Citibank 031 CITIBANK
69 Danamon 011 DANAMON
70 DBS 046 BANK DBS
71 HSBC 041 HSBC
72 Mandiri 008 MANDIRI
73 Mutiara Bank 095 BMUTIARA
74 OCBC NISP 028 NISP
75 Permata Bank 013 PERMATA
76 Rabobank 089 RABOBANK
77 Standard Chartered Bank 050 STANCHRT
78 Telkomsel *
79 UOB Buana 023 BUANA

*) Operation soon

**) Feature of Transfer is not operate this time

SERVICES: Features And Amenities

Features ATM Bersama are currently available as follows:

  • Cash withdrawals, card owners can take the money at ATM terminal which using ATM Bersama logo, along with the withdrawal limit per day according to the determined by the bank card issuer;
  • Fast Cash Withdrawal, cardholders can take the money at ATM terminal which using ATM Bersama logo with no insert amount to be taken but by pressing the appropriate menu on screen ATM;
  • Balance Inquiry, cardholders can view their account balances;
  • Interbank transfer, card owners can transfer money to the beneficiary account as long as the account is similar or the account owned by other bank which member of ATM Bersama;

To support the operations of ATM Bersama, other than switching systems and data communication channels, ARTAJASA also provide settlement and customer care facilities.

  • Online Settlement, the settlement facility provided in which only members of the bank to transfer its obligations to the bank account ARTAJASA at Bank Indonesia through terminal BI-RTGS (Real Time Gross Settlement). Furthermore ARTAJASA distribute those funds to banks entitled to receive it. All the activities are completed at H +1.
  • Customer Care, operational for 24 hours x 7 days a week throughout the year, so that can help banks whenever needed. All the issues received by the Customer Care operations ranging from daily operations, system disturbances and interbank claims.

Membership Requirements

Membership of ATM Bersama classified into 3 (three) classes of Principal Members, Associate Members and Affiliate Member.

1. Principal Member

Principal Member was a member of ATM Bersama that having ATM terminal. Requirements to become a principal member as follows:

  • Commercial banks clearing BI participants and members of BI-RTGS
  • Has the Bank Identification Number (BIN)
  • Having an application in accordance with international financial message formats (ISO 8583)
  • Have a Host Security Module (HSM) for PIN encryption
  • Having a database authorization facility online customer accounts
  • Having a PIN Generator, PIN Mailer and Card Embosser
  • Opens its ATM terminal for all customers of ATM Bersama

2. Associate Member

Associate Members are members of ATM Bersama that does not have an ATM terminal. Requirements to become associate members are as follows:

  • Commercial banks clearing BI participants and members of BI-RTGS
  • Have Bank Identification Number (BIN)
  • Have an application in accordance with international financial message formats (ISO 8583)
  • Have a Host Security Module (HSM) for PIN encryption system
  • Have a database authorization facility online customer accounts
  • Having a PIN Generator, PIN Mailer and Card Embosser

3. Affiliate Member

Affiliate Member is a financial institution can become a member of ATM Bersama but does not qualify as a Principal or Associate member. Special rules that apply to Affiliate Member of:

  • As an affiliate, financial institutions are obliged to put the logo on the Principal of his ATM card.
  • All the rights and obligations of settlement of customer transactions at the ATM Bersama Affiliate Member will be taken over by The Principal.
  • Affiliate may file Principal systems to authorize customer transactions.