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Balance Enquiry
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Why Finkeda for
Balance Enquiry?

No Internet Banking or Smartphone Needed
Customers only need a debit card and PIN. No apps or smartphones required. This makes balance checks easy for all, even in low-tech areas.
Works in Rural and Underserved Regions
Whether you are in a Tier 2 town or a small village, Micro ATMs work anywhere with basic connectivity, bringing banking services to those who need it most.
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Instant Commission for Every Enquiry
As a merchant, you earn a commission for every successful balance enquiry. It's a simple way to build recurring income while offering useful services.
Safe and Verified Transactions
Each balance enquiry is processed securely through NPCI’s network, using bank-grade encryption to ensure safety for both merchant and customer.
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Get Started in 2 Simple Steps

Start offering balance enquiry services in your shop with a quick and easy setup.
Step 1
1
Merchant Onboarding
Sign up for mATM services through the Finkeda portal. Submit documents and complete KYC. Once verified, your Micro ATM device is activated.
Step 2
2
Balance Enquiry Process
Log in to the device. Customer inserts their debit card and enters their PIN. Select "Balance Enquiry". The transaction is processed through the banking network. The customer’s available balance is shown on screen. A receipt can be printed if needed. Both the customer and the merchant receive confirmation instantly.
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Key Features & Benefits

01
No Smartphone or App Required
Customers only need a debit card and PIN. There is no need for mobile banking apps, smartphones, or internet data. This allows even the digitally uninitiated to access balance enquiry services at your store.
No Smartphone or App Required
02
Optimised for Low-Connectivity Areas
The Finkeda Micro ATM device is lightweight, portable and built to work with basic GPRS or 2G/3G networks. It functions reliably in rural or semi-urban zones where full-service ATMs and stable internet are hard to find.
Optimised for Low-Connectivity Areas
03
Guaranteed Commission on Every Enquiry
Every balance enquiry triggers a fixed commission to your Finkeda wallet automatically, with no delay. You can offer a high-demand banking service while building a dependable income stream from even the smallest transactions.
Guaranteed Commission on Every Enquiry
04
NPCI-Integrated, Bank-Grade Security
Every transaction is routed through NPCI's secure payment rails. Card data and PIN entries are encrypted using RBI-compliant protocols, ensuring customers' sensitive financial information stays protected at all times.
NPCI-Integrated, Bank-Grade Security
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Frequently
Asked Questions

What Is Micro‑ATM Balance Enquiry?

Micro-ATM balance enquiry lets users check their bank account balance through a small, portable machine at a nearby store. It’s a simple and fast service for people living in remote areas where regular ATMs or banks aren’t easily available.

How Does a Finkeda Micro‑ATM Work for Balance Checks?

The customer visits a Finkeda-associated outlet and provides their debit card. The saathi inserts the card in the microATM and the customer will enter their PIN. Once these steps are completed, the balance is displayed on the device instantly. It is a quick, secure way to know account details without visiting a bank branch.

Who Can Use Micro‑ATM Balance Enquiry Service?

The microATM balance enquiry service is available to anyone with a debit card issued by their bank. It is perfect for people who live in rural, semi-urban, or low-connectivity areas, especially those with no immediate access to their banks or ATMs but still need fast account balance updates. 

Is This Service Available 24/7?

Yes, balance enquiry services through Finkeda Micro ATM are available 24/7. Even if you want to check your balance in the late evening or on a holiday, our merchant store will be open for you throughout the day. This service offers real convenience for daily financial needs.

Are There Charges for Using Balance Enquiry?

A very small service fee may apply, depending on the bank. The saathi will clearly inform you about the charges before the transaction. You will also always receive a receipt or SMS confirmation for full transparency and peace of mind.

How Do I Enable Balance Enquiry Services at My Outlet?

You just need to get registered with Finkeda. Once onboarded, we provide you with the Micro ATM device and guide you through the process. You will be able to help customers check balances alongside earning commissions on each successful enquiry.

What Requirements Are Needed to Operate the Device?

You need a smartphone, an internet connection and the Finkeda-provided Micro ATM device. You do not need to have a complex setup or a large investment. The device is easy to carry and user-friendly to use in any retail space with no hassle. 

What Are the saathi Benefits of Offering Balance Enquiry?

As an saathi, you earn commissions for every balance enquiry. With instant settlements, hybrid mATM-mPOS devices and excellent customer support, you grow your income while helping your community access essential banking services easily and affordably.