Withdrawing money from an ATM is an everyday operation. Like any system, at some point, it may present problems such as receiving a lower amount than requested or banknotes in poor condition. These problems can generate great worry between users. Below are the steps to follow to resolve these situations and ensure that your money is complete and in good condition.
Currently, the ATMs have become the ideal option to obtain cash quickly and comfortably. However, Technical failures or errors in the dispenser can result in you receiving less money than requested or the banknotes being in poor condition. In this article, we explain in detail what to do in these cases and how to proceed to claim the appropriate compensation.
What can I do if the ATM kept my money?
If an ATM does not give you the full amount of money you requested, act immediately. Note the date, time and location of the ATM, as well as the amount requested and the amount received. If the ATM issues a receipt, keep it as proof of the withdrawal.
Immediately after, contact your bank to report the problem. Most banks have specific procedures for handling these discrepancies. When contacting your bank, provide all available details and evidence to support your claim. The bank will conduct an investigation to verify the error and, in most cases, will credit the error. difference in you account.
It is important to note that the Superintendency of Banking, Insurance and AFP (SBS) regulates these procedures and can intervene if the bank does not resolve the problem appropriately. SBS ensures that banks comply with regulations established to protect the rights of financial consumers.
What should I do if the ATM gives me a torn or damaged banknote?
If you find yourself in this situation, the first thing you should do is keep the ticket and go to the bank that owns it. ATM. Do not attempt to use the note in its current state, as it may not be accepted elsewhere.
When you arrive at the bank, explain the situation and present the damaged banknote along with any receipts for the transaction. The bank will review your case and will usually replace the bill with a good one at no additional cost. This process may require you to provide proof of the transaction, so it is advisable to retain any receipts or records related to the cash withdrawal.
In addition, the Central Reserve Bank of Peru (BCRP) offers a service to exchange torn or damaged banknotes. You can go to one of their offices with the banknote in poor condition and any documentation proving the original transactionThe BCRP will evaluate the condition of the banknote and, if it meets the established criteria, will replace it with a new one at no cost.
How can I identify a counterfeit banknote?
Identifying counterfeit bills is crucial to avoid losses. genuine banknotes They have specific security features that can help you detect counterfeits. These features include watermarks, security threads, and inks that change color when you tilt the bill.
- Watermarks: The banknotes have images visible when exposed to light.
- Security threads: These threads are embedded in the paper and are visible when held up to the light.
- Special inks: When you tilt the bill, some areas change color.
If you suspect that you have received a counterfeit bill, go to the bank or a branch of the BCRP for verification. If the counterfeit is confirmed, the bank must retain the note and notify the relevant authorities.
You can exchange torn bills at any financial institution nationwide: Facebook Banco de la Nación
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.
