Services / 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 Bank Aceh 116 BPD ACEH
2 Bank Andara *
3 Bank ANZ Indonesia 061 ANZ
4 Bank Artos Indonesia 542 B.ARTOS
5 Bank Bengkulu 133 BENGKULU
6 Bank BJB 110 BANK BJB
7 Bank BNP 145 BNP
8 Bank BPD DIY 112 BPD DIY
9 Bank BPD Kaltim 124 BPD KALTIM
10 Bank BPD Sulteng 134 BSULTENG
11 Bank BRI Agro 494 BRIAGRO
12 Bank BTN 200 BANKBTN
13 Bank BTPN 213 BTPN
14 Bank Bukopin 441 BUKOPIN
15 Bank Capital 054 CAPITAL
16 Bank Commonwealth 950 COMMBANK
17 Bank Danamon 011 DANAMON
18 Bank DKI 111 BANK DKI
19 Bank Ekonomi Raharja 087 EKONOMI
20 Bank Ganesha 161 GANESHA
21 Bank ICB Bumiputera 485 BANK BP
22 Bank ICBC Indonesia *
23 Bank Ina Perdana 513 BANK INA
24 Bank Index Selindo 555 B.INDEX
25 Bank Jabar Banten Syariah 425 JABARSYA
26 Bank Jambi 115 JAMBI
27 Bank Jateng 113 JATENG
28 Bank Jatim 114 BANK JATIM
29 Bank Kalbar 123 BANK KALBAR
30 Bank Kalsel 122 KALSEL
31 Bank Kalteng 125 BKALTENG
32 Bank Kesejahteraan Ekonomi 535 BKE
33 Bank Lampung 121 LAMPUNG
34 Bank Maluku 131 ATMALUKU
35 Bank Mayapada Internasional 097 MAYAPADA
36 Bank Mayora 553 B MAYORA
37 Bank Mega 426 MEGA
38 Bank Mega Syariah 506 BSMI
39 Bank Mestika Dharma 151 MESTIKA
40 Bank Muamalat Indonesia Syariah 147 MUAMALAT
41 Bank Nagari 118 B.NAGARI
42 Bank NTB 128 BANK NTB
43 Bank NTT 130 BANK NTT
44 Bank OCBC NISP 028 OCBC NISP
45 Bank of China ** 069
46 Bank of India Indonesia 146 SWADESI
47 Bank Papua 132 BPDPAPUA
48 Bank Pundi 558 PUNDI
49 Bank QNB Kesawan 167 QNB K
50 Bank Riau Kepri 119 BANK RIAU
51 Bank Saudara 212 BSAUDARA
52 Bank Sinarmas 153 SINARMAS
53 Bank Sulselbar 126 SULSEL
54 Bank Sultra 135 B SULTRA
55 Bank Sulut 127 SULUT
56 Bank Sumsel Babel 120 BSUMSEL
57 Bank Sumut 117 BPDSUMUT
58 Bank Syariah Mandiri 451 BSM
59 Bank UOB Indonesia 023 BANK UOB
60 Bank Woori Indonesia
068
61 BII Maybank 016 BII
62 BNI 46 009 BNI
63 BPD Bali 129 BPD BALI
64 BPR Eka Bumi Artha 699 BANK EKA
65 BPR Karyajatnika Sadaya 688 BPR KS
66 BPR Semoga Jaya 558 EKSEKUTF
67 BPR Supra Artapersada *
68 BRI 002 BRI
69 BRI Syariah 422 BRIS
70 CIMB Niaga 022 NIAGA
71 Citibank 031 CITIBANK
72 DBS Bank 046 BANK DBS
73 HSBC 041 HSBC
74 Indosat (Dompetku)
75 Mandiri 008 MANDIRI
76 Mutiara Bank 095 BMUTIARA
77 Nobu Bank 503 NOBUBANK
78 Panin Bank 019 PANIN
79 Panin Bank Syariah
80 Permata Bank 013 PERMATA
81 Rabobank 089 RABOBANK
82 Standard Chartered Bank Indonesia 050 STANCHRT
83 Telkomsel (T-Cash) 911 TCASH

*) 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.