What are the key visual differences between bank-operated and non-bank ATMs?

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Bank-Operated ATMs Feature a Single Bank's Branding, While Non-Bank ATMs Typically Display Multiple Logos

Bank-operated automated teller machines (ATMs) are identifiable by the clear display of a single bank's name and logo on both the exterior casing and the ATM screen. In contrast, non-bank operated ATMs generally present the logos of multiple different banks. This distinction is crucial for consumers to understand as a waiver on interbank ATM withdrawal fees, effective from July 1, 2026, applies only to ATMs operated by banks.
Branding on Bank-Operated ATMs

ATMs managed by individual banks will prominently feature that specific institution's branding. This includes the bank's name and logo being clearly visible on the physical machine itself, as well as on the digital interface displayed during operation.
Branding on Non-Bank Operated ATMs

Conversely, ATMs not directly operated by a single banking institution typically indicate their multi-bank affiliation through the display of several bank logos. These machines are operated by third-party providers and often serve a wider range of customers from different financial institutions.
Implications for Interbank Withdrawal Fees

The distinction in branding is important because the RM1 interbank ATM withdrawal fee waiver, implemented in collaboration with industry associations and Payments Network Malaysia Sdn Bhd (PayNet), is exclusively for transactions conducted at bank-operated ATMs. This waiver aims to reduce the cost of living and prioritize the daily banking needs of the public.
Avoiding Unexpected Charges

Customers seeking to benefit from the waived withdrawal fee should look for ATMs that exclusively display their own bank's branding or the branding of another single bank. Using non-bank operated ATMs, which typically show multiple logos, may still incur the standard RM1 charge for cash withdrawals from an account at a different bank.

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What are the key visual differences between bank-operated and non-bank ATMs?

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