CDM-Bank CDM & Commercial Cash Deposit Machine
1. Product Overview
The Hongzhou Smart Bulk Cash Deposit Machine (Bulk CDM) is a next-generation professional-grade self-service cash deposit terminal developed by Hongzhou Smart for banks, financial institutions, retail chains, and small-to-medium enterprises. The product focuses on the single core function of cash deposit and does not include a withdrawal module. Designed with large-capacity acceptance, high-speed processing, and security reliability at its core, it specifically addresses the daily high-volume cash counting and deposit needs of cash-intensive industries.
Unlike traditional ATMs or combined deposit/withdrawal terminals, this product is a pure deposit terminal with no withdrawal functionality, dedicated to maximizing cash deposit efficiency. The device is equipped with a large-capacity banknote acceptor, using cash bags (rather than cassettes) for collection, capable of accepting up to 200 banknotes in a single deposit. Cash bag capacities are flexibly configurable: 5,000, 10,000, 20,000, and 30,000 banknotes. The device also offers cash cassette capacity options of 1,200, 2,200, 3,000, and 10,000 banknotes to meet diverse deployment requirements.
The device is equipped with an EMV-certified card reader and a PCI-certified encrypted PIN Pad to meet global financial payment security standards. The vault is UL291 certified to ensure the highest level of cash storage security.
Hongzhou Smart brings over 20 years of self-service terminal R&D and manufacturing expertise, having delivered over 450,000 self-service terminals to more than 90 countries worldwide. The company holds ISO9001, ISO13485, ISO14001, IATF16949 certifications and is recognized as a China National High-Tech Enterprise.
2. Product Positioning & Market Background
2.1 Why Do You Need a Large-Capacity Pure Deposit CDM?
In developing countries and emerging markets across Africa, Southeast Asia, and Latin America, cash remains the primary transaction medium. Traditional over-the-counter cash deposit processing faces the following challenges:
| Pain Point | Specific Issue |
|---|---|
| High Labor Costs | Multiple tellers required daily to handle high-volume cash counting and deposit operations |
| Security Risks | Cash handling involves transportation, counting, and exposure to theft, robbery, and operational errors |
| Customer Queuing | Long wait times during peak hours, resulting in poor customer experience |
| Bank Operational Pressure | Heavy teller counter pressure at branches with limited ability to extend service hours |
| Cash Accumulation | Retail merchants accumulate large amounts of cash with no convenient deposit channels |
| Time Restrictions | Limited traditional banking hours cannot meet off-hours deposit needs |
The large-capacity pure deposit CDM is the professional solution to these pain points, enabling businesses and individual customers to complete large cash deposits 24/7 with real-time fund crediting, no queuing, and no teller interaction, reducing deposit processing time by up to 80%.
2.2 Target Markets
This product is particularly suited for the following high-cash-usage markets:
| Market | Characteristics & Demand |
|---|---|
| Africa | Low banking penetration, cash-driven economy; SMEs and retail merchants need efficient cash deposit solutions. Hongzhou Smart has established partnerships with clients in Nigeria, Gabon, and other African countries, with terminal support for local African currencies and French/English interfaces |
| Southeast Asia | Rapid retail and commercial growth driving cash deposit demand |
| Latin America | High cash usage; strong deposit demand from retail and micro-enterprises |
| South Asia | High cash economy ratio; insufficient bank branch coverage |
3. Key Features
3.1 Large-Capacity Cash Deposit (Pure Deposit · No Withdrawal Function)
| Feature | Specification |
|---|---|
| Maximum Single Deposit | 200 banknotes (supports batch continuous feeding) |
| Cash Bag Capacity (Optional) | 5,000 / 10,000 / 20,000 / 30,000 banknotes |
| Cash Cassette Capacity (Optional) | 1,200 / 2,200 / 3,000 / 10,000 banknotes |
| Multi-Currency Support | XAF (Central African CFA Franc), XOF (West African CFA Franc), ZAR (South African Rand), USD, EUR, GBP, NGN (Nigerian Naira), and other major and regional currencies |
| Deposit Methods | Card-based deposit / Cardless deposit (account number entry) |
3.2 Efficient Cash Processing
| Feature | Specification |
|---|---|
| Transaction Verification | Funds credited in real-time after verification; no teller processing wait |
| Transaction Display | Real-time on-screen display of deposit details and total amount by denomination |
| Deposit Confirmation | Users can review deposit details before confirmation; supports adding additional banknotes |
3.3 Intelligent Bill Validation & Security
| Feature | Description |
|---|---|
| Multi-Layer Bill Validation | Optical, magnetic, and ultraviolet multi-layer validation; automatic counterfeit and damaged note detection |
| Rejected Banknote Handling | Counterfeit or damaged banknotes automatically returned, not accepted by the device |
| Deposit Receipt | 80mm thermal receipt printed upon transaction completion, detailing denominations and amounts |
| Camera Surveillance | Equipped with cash receiving area camera and facial capture camera to record the entire operation |
| Fraud Protection | Tamper-proof casing, anti-skimming card reader, foreign object detection |
3.4 Identity Verification & Account Management
| Feature | Description |
|---|---|
| Card Authentication | Cardholders verify identity via EMV-certified card reader and PIN; compatible with VISA, Mastercard, UnionPay, etc. |
| PCI-Certified Encrypted PIN Pad | Equipped with PCI-certified encrypted PIN Pad to ensure password input security |
| Facial Recognition (Optional) | Liveness detection for cardless identity verification |
| Third-Party Deposit | Supports deposits to third-party accounts (subject to bank configuration) |
| Large Transaction Source Registration | Supports source-of-funds registration for large deposits (AML compliance) |
4. Technical Specifications
4.1 Core Hardware Configuration
| Component | Specification |
|---|---|
| Cash Acceptor | Large-capacity acceptor, max 200 notes per deposit; multi-currency recognition and denomination sorting |
| Cash Bag Capacity | 5,000 / 10,000 / 20,000 / 30,000 banknotes optional |
| Cash Cassette Capacity | 1,200 / 2,200 / 3,000 / 10,000 banknotes optional |
| Vault | UL291 certified vault (24-hour Level-1) or 8mm thick vault optional |
| Locking System | Key lock + mechanical combination lock OR electronic combination lock |
| Card Reader | EMV-certified card reader (supports VISA, Mastercard, Amex, Union Pay, JCB, DCI, etc.) |
| Encrypted PIN Pad | Stainless steel EPP, PCI certified (PCI PTS standard), supports DES/AES encryption |
| Industrial PC | Intel H81 / Core i3, 4+128G, integrated network and graphics |
| Operating System | Windows / Android / Linux optional |
| Display | 19-inch / 21.5-inch / 27-inch touchscreen optional |
| Printer | 80mm / 3-inch thermal receipt printer with auto-cutter |
| Cameras | Facial capture camera + cash receiving area monitoring camera |
| Network Connectivity | Ethernet / Wi-Fi / 4G optional |
| Withdrawal Function | Not included (pure deposit terminal) |
4.2 EMV & PCI Certification Details
EMV-Certified Card Reader: Complies with EMVCo international financial payment standards, ensuring chip card transaction security. Supports mainstream payment card brands including VISA, Mastercard, Amex, Union Pay, JCB, DCI, and CUP.
PCI-Certified Encrypted PIN Pad: Certified under PCI PTS (PIN Transaction Security) standards, meeting PCI 6.0 security requirements. Features stainless steel EPP (Encrypted PIN Pad) construction, supporting DES, AES, RSA, DUKPT, and other encryption algorithms to ensure absolute security of user PINs during entry and transmission.
4.3 UL291 Security Standard
UL291 is a financial equipment security standard established by Underwriters Laboratories, specifically for ATM and cash deposit equipment vaults.
| Grade | Attack Resistance | Applicable Scenario | Features |
|---|---|---|---|
| 24-Hour Level-1 | 30 minutes of attack resistance | 24/7 unattended environments | 50,000 psi steel tensile strength; resists pry bars, drills, and other tools |
| Business Hours | 5 minutes of attack resistance | Staffed during business hours only | Thinner steel plate; requires supervised use |
The Hongzhou Smart Bulk CDM is equipped with a UL291 Level-1 certified vault, suitable for 24/7 unattended deployment scenarios, ensuring the highest level of cash security.
4.4 Multi-Currency Recognition Capabilities
The device supports recognition and validation of multiple major and regional currencies, including but not limited to:
| Currency | Currency Code | Primary Circulation Region |
|---|---|---|
| Central African CFA Franc | XAF | Cameroon, Gabon, Republic of Congo, etc. |
| West African CFA Franc | XOF | Senegal, Côte d'Ivoire, Benin, etc. |
| South African Rand | ZAR | South Africa and SACU countries |
| Nigerian Naira | NGN | Nigeria |
| US Dollar | USD | Global |
| Euro | EUR | Eurozone |
Hongzhou Smart can customize currency recognition modules based on target markets to meet localization requirements in different countries and regions.
4.5 Optional Modules
| Module | Description |
|---|---|
| ID/Passport Scanner | Supports KYC compliance |
| Barcode/QR Code Scanner | Supports 1D/2D codes |
| Fingerprint Scanner | Biometric identity verification |
| Network Module | Wi-Fi / 4G / LAN optional |
| Signature Pad | For large transaction confirmation |
| Coin Acceptor Module | Expands coin deposit capability |
4.6 Certifications
| Certification | Standard |
|---|---|
| ISO9001 | Quality Management System |
| ISO13485 | Medical Devices Quality Management |
| ISO14001 | Environmental Management |
| IATF16949 | Automotive Quality Management |
| UL291 | Financial Equipment Vault Security Standard |
| EMV Level 1 & 2 | Chip Card Payment Standard Certification |
| PCI PTS | Encrypted PIN Pad Security Certification |
| UL | Product Safety Certification |
5. Application Scenarios & Target Users
Target Users
| User Type | Application Scenario |
|---|---|
| Banks & Financial Institutions | Automate cash deposits at branch locations; significantly reduce teller pressure; extend service to 24/7 |
| Retail Chains | Rapid daily cash deposit; reduce cash accumulation and security risks |
| Hypermarkets / Shopping Malls | 24/7 cash deposit services for merchants and stores |
| Hotels & Tourism | Real-time processing of daily front desk cash revenue; improve fund turnover efficiency |
| Public Transport Companies | Secure and fast daily ticket revenue deposit |
| SMEs | Self-service company revenue deposits 24/7 without visiting bank counters |
| Wholesale Markets / Traders | Immediate deposit after large cash transactions; reduce cash retention risks |
Typical Deployment Scenarios
| Scenario | Value Proposition |
|---|---|
| Bank Branches / Self-Service Banking Centers | 24/7 cash deposit services; reduce counter pressure; lower operational costs |
| Corporate Headquarters / Office Parks | Employees can deposit business revenue anytime without traveling to banks |
| Retail Store Back Offices | Simplify daily cash deposit processes; reduce cashier workload and cash exposure risks |
| Transportation Hubs (Airports / Stations) | Convenient cash services for merchants and travelers |
| Hotel Lobbies | Meet high-volume cash flow deposit requirements |
| Wholesale Markets / Commercial Streets | Convenient large-capacity cash deposit channels for nearby merchants |
6. Comparison with Traditional Over-the-Counter Deposits
| Comparison Dimension | Traditional Counter Deposit | Hongzhou Smart Bulk CDM |
|---|---|---|
| Service Hours | Bank business hours (typically 5×8) | 24/7 |
| Single Transaction Capacity | Dependent on teller speed | 200 notes/deposit, with continuous feeding support |
| Processing Efficiency | Manual counting, time-consuming | 80% reduction in deposit processing time |
| Queuing Time | 30+ minutes during peak hours | No queuing – deposit and go |
| Labor Costs | Full teller involvement required | Fully automated – zero labor |
| Security Risks | Cash handled by multiple staff, higher risk | User self-operation, minimal personnel contact |
| Fund Crediting | Real-time or same day | Real-time crediting |
| Security Certifications | N/A | UL291 Vault + EMV + PCI Certified |
| Withdrawal Function | Supported | Not included – dedicated deposit |
7. Customization & OEM/ODM Services
Hongzhou Smart provides comprehensive OEM/ODM customization services, offering turnkey solutions from hardware to software:
| Customization Area | Available Options |
|---|---|
| Hardware Design | Exterior finish, branding/logos, color schemes, form-factor customization |
| Cash Handling | Cash bag capacity (5K/10K/20K/30K notes); cash cassette capacity (1.2K/2.2K/3K/10K notes); cash bag or cassette selection |
| Currency Recognition | Custom currency recognition modules (XAF, XOF, ZAR, NGN, etc.) |
| Card Reader & PIN Pad | EMV-certified card reader configuration; PCI-certified PIN Pad model selection |
| Software Interface | UI layout, transaction workflows, multi-language support (English/French/Spanish/Arabic/Portuguese, etc.) |
| Function Modules | Facial recognition, fingerprint scanning, QR code scanning, ID scanning, etc. |
| Regulatory Compliance | KYC/AML features; large transaction source registration per local regulations |
| Operating System | Windows / Android / Linux optional |
| Vault Grade | UL291 certified vault OR 8mm vault optional |
Hongzhou Smart maintains vertically integrated manufacturing capabilities: from sheet metal chassis fabrication, cable harness production, PCBA electronic assembly to final assembly and aging testing – all completed in-house, ensuring full quality control.
Product details
An automated teller machine (ATM) and Cash Deposit Machine (CDM) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals,or just for deposits, funds transfers, balance inquiries or account information inquiries, at any time and without the need for direct interaction with bank staff.
Application
Cash deposit and withdrawl. money transportation. ATM/CDM widely installed in Bank, subways, bus stations, Airport or Hotel, shopping Mall etc.
This product can be a major design element. Designers can use it to establish a pleasing sense of order in every space. With a bright high-resolution screen, it delivers a highly responsive, and complete self-service. The product helps achieve tremendous labor savings. Compared to the use of manual labor, the tasks will be finished with a higher level of efficiency when this product is used. The product helps achieve tremendous labor savings.
The bulk cash acceptor has a larger capacity, and the equipped cash bag ( not cash box) can collect about 10,000 banknotes, up to 200 notes can be put at one time.
Hongzhou Smart can customize any ATM/CDM from hardware to software turnkey solution base on your requirement.
Hardware Feature
● Industry PC, Windows / Android / Linux O/S can be optional
● 19inch / 21.5inch / 27inch touch screen minitor, small or bigger sceen can be optional
● Cash Acceptor: 1200/2200 banknotes for cash box / bag can be optional
● Barcode/QR Code Scanner: 1D & 2D
● 80mm thermal Receipts Printer
● Robust Steel structure and stylish design,cabinet can be customized with color powder coating finished
Optional Modules
● Cash Dispenser: 500/1000/2000/3000 banknotes can be optional
● Coin Dispenser
● ID/Passport Scanner
● Facing Camera
● WIFI/4G/LAN
● Fingerprint Reader
faq
If you need a hardware + software turnkey solution, we also can support you. Please feel free contact us.
