In the digital age, ATMs They have become essential tools for our financial transactions. However, what happens if when withdrawing money we find bills in poor condition or an amount less than the requested amount? The Superintendency of Banking, Insurance and AFP (SBS) offers clear guidelines to address these inconveniences and ensure that users do not lose their valuable economic resource.
Review in this note the instructions from the SBS so that, if you have a problem with an ATM, you are not nervous and you get your money back.
What should I do if I receive an amount less than the one I requested at the ATM?
If when using an ATM you receive an amount less than what you requested, it is crucial to act quickly. Keep the transaction receipt, as it will be your main evidence when filing a claim with the bank. The financial institution will review the cash balance corresponding to the date of your transaction to verify if there was a surplus. This process also includes checking the time of the operation, the amount requested, the card used and entering the secret key.
What can I do if the cashier gives me a torn or damaged bill?
If you receive a damaged bill, SBS recommends following a series of steps to solve the problem. First, make sure you keep proof of the transaction. Then, take note of details such as the location of the ATM, the date and time of the operation. If the bill appears counterfeit, it is important to make a copy. Subsequently, inform the financial institution about the incident and request the change of the ticket, presenting the necessary evidence.
Can torn bills be exchanged?
The Central Reserve Bank of Peru (BCRP) establishes that it is possible to exchange banknotes that have tears, stains, writing or patches, as long as certain requirements are met. Among these, it stands out that the bill must be more than half its original size, have the watermark corresponding to its denomination, have at least one series and one of its two complete numbers and be completely authentic.
How can I avoid problems when withdrawing money from an ATM?
To minimize inconvenience when using an ATM, follow these tips:
- Check the ATM: Before carrying out the operation, inspect the ATM for suspicious devices or signs of tampering.
- Check the money: When you receive the bills, check their condition and amount before leaving the ATM.
- Use trustworthy ATMs: prefer those located in secure areas or inside bank branches.
- Perform operations during the day: Avoid withdrawing money at night or in lonely places.
- Keep your transaction private: Cover the keyboard when entering your password and avoid distractions during the process.
- Save the receipt: Keep the transaction receipt as evidence in case of discrepancies.
By following these steps, you can reduce the risk of facing problems when withdrawing money from an ATM.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
