What are the types of ATM cards?

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What are the types of ATM cards?


There are primarily two types of ATM cards based on their technology:

1. Magnetic Stripe Cards:

  • These are the traditional type of ATM cards that have a magnetic stripe on the back.
  • The magnetic stripe contains information about the cardholder and their account.
  • While still widely used, they are less secure than chip-based cards.

2. Chip-Based Cards (EMV Cards):

  • These cards have a microchip embedded in them, providing enhanced security features.
  • They are more resistant to fraud and offer more advanced functionalities.
  • They are becoming increasingly popular and are gradually replacing magnetic stripe cards.

Additionally, ATM cards can be categorized based on their level of service and benefits:

  • Basic ATM Cards: These offer basic functionalities like cash withdrawal and balance inquiry.
  • Premium ATM Cards: These cards come with additional benefits like reward points, lounge access, and insurance coverage.

It's important to note that the specific types of ATM cards available may vary depending on the bank and country.

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