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Cash Recycling Machine-CRM

Cash deposit and withdraw ATM

Cash Recycling Machine (CRM)

A Cash Recycling Machine (CRM) is an advanced self-service financial device deployed by banks to integrate core cash services—including cash deposits, withdrawals, and recycling—with additional non-cash functions. As an upgraded version of traditional ATMs (Automatic Teller Machines), CRMs significantly enhance the efficiency of self-service cash operations and are widely placed in bank branches, self-service banking centers, shopping malls, and transportation hubs to meet 24/7 customer needs.

1. Core Functions: Beyond Basic Cash Services

CRMs stand out for their "two-way cash processing" capability (both deposit and withdrawal) and diversified services, which can be categorized into cash-related functions, non-cash functions, and value-added features (for example the CRM Hongzhou Smart serve for the China Bank market ):

Function Category	Specific Services	Common Rules/Notes
Cash-Related Functions (Core)	1. Cash Withdrawal	- Daily withdrawal limit per card: Typically CNY 20,000 (some banks allow adjustments to CNY 50,000 via mobile banking). - Single withdrawal limit: CNY 2,000–5,000 (e.g., ICBC: CNY 2,500 per transaction; CCB: CNY 5,000 per transaction), limited to 100-yuan multiples.
	2. Cash Deposit	- Supports cardless deposit (by entering the recipient’s account number) or card-based deposit. - Accepted denominations: CNY 10, 20, 50, 100 (older models may only accept CNY 100). - Single deposit limit: 100–200 banknotes (≈ CNY 10,000–20,000); daily deposit limit: Usually CNY 50,000 (varies by bank). - The machine automatically verifies banknote authenticity and integrity; counterfeit or damaged notes are rejected.
	3. Cash Recycling (for recycling-enabled models)	- Deposited cash (after verification) is stored in the machine’s vault and reused for future withdrawals. This reduces the frequency of manual cash replenishment by bank staff and improves cash utilization.
Non-Cash Functions	1. Account Inquiry	Check account balance and transaction history (last 6–12 months); transaction receipts can be printed.
	2. Fund Transfer	- Supports inter-bank and intra-bank transfers. - Single transfer limit: Typically CNY 50,000 (default for self-service channels; can be increased via bank counter or mobile banking). - Inter-bank transfer fees may apply (0.02%–0.5% of the transfer amount, though some banks waive fees for mobile banking).
	3. Account Management	Modify query/transaction passwords, bind mobile phone numbers, enable/disable self-service permissions.
	4. Bill Payment	Pay utility bills (water, electricity, gas), phone bills, or property fees (requires prior agreement activation via bank counter or app).
Value-Added Features (Advanced Models)	1. Cardless/Face Recognition Service	- Cardless withdrawal: Generate a withdrawal code via mobile banking, then enter the code + password on the CRM to withdraw cash. - Face recognition: Some banks (e.g., ICBC, CMB) offer face-scan deposits/withdrawals—no card required; identity is verified via liveness detection to prevent fraud.
	2. Check Deposit	Integrates check-scanning technology for deposit of transfer checks. After scanning, the bank verifies the check manually, with funds credited in 1–3 working days.
	3. Foreign Currency Services	A small number of CRMs (at international airports or foreign-related branches) support foreign currency (USD, EUR, JPY) deposits/withdrawals (requires a foreign currency account; limits differ from RMB).

2. Key Components: Hardware Designed for Dual Cash Flow

CRMs have more complex hardware than traditional ATMs, with core components tailored to both deposit and withdrawal needs:

(1) Cash Processing Module (Core)

Deposit Slot & Banknote Verifier: After cash is inserted, the verifier uses optical and magnetic sensors to check denomination, authenticity, and integrity. Counterfeit or damaged notes are rejected; valid notes are sorted into denomination-specific vaults.
Withdrawal Slot & Cash Dispenser: Upon receiving a withdrawal request, the dispenser retrieves cash from the corresponding vault, counts and organizes it, then dispenses it via the withdrawal slot. If cash is not collected within 30 seconds, it is automatically retracted and recorded as "excess cash"—customers can contact the bank to have the funds returned to their account.
Recycling Vaults (for recycling models): Store verified deposited cash for immediate reuse in withdrawals, reducing manual cash replenishment.

(2) Identity Verification & Interaction Module

Card Reader: Reads magnetic stripe cards and EMV chip cards (IC cards). Chip cards are more secure, as they prevent information skimming.
Face Recognition Camera (Face-Scan Models): Uses liveness detection to verify identity, blocking fraud via photos or videos.
Touchscreen & Display: Provides a user-friendly interface (older models use physical buttons) to display service options, input amounts, and confirm information. Screens often have anti-peeping filters to protect privacy.
Password Keypad: Features an anti-peeping cover and may support "randomized key layouts" (key positions change each time) to prevent password theft.

(3) Receipt & Security Module

Receipt Printer: Prints transaction receipts (including time, amount, and last 4 digits of the account number). Customers are advised to keep receipts for reconciliation.
Safe: Stores cash vaults and core control modules; made of anti-pry, fire-resistant materials. It connects to the bank’s backend in real time—an alarm is triggered if forced entry is detected.
Surveillance Camera: Installed on top or side of the machine to record customer operations, aiding in dispute resolution (e.g., "funds not credited after deposit" or "cash retracted").

(4) Communication & Control Module

Industrial PC (IPC): Acts as the "brain" of the CRM, running a dedicated OS to coordinate hardware (verifier, dispenser, printer) and connect to the bank’s core system via encrypted networks. It synchronizes account data in real time (e.g., balance updates, fund credits).

3. Usage Tips: Safety & Efficiency

(1) For Cash Deposits

Ensure banknotes are free of folds, stains, or tape—damaged notes may be rejected.
Double-check the recipient’s account number (especially the last 4 digits) for cardless deposits to avoid misdirected funds (recovering mistransferred funds requires complex bank verification).
If the machine shows "transaction failed" but cash is retracted, do not leave the device. Contact the bank’s official customer service (phone number posted on the CRM) immediately, providing the machine’s ID and transaction time. Funds will be returned to your account within 1–3 working days after verification.

(2) For Cash Withdrawals

Shield the keypad with your hand/body when entering the password to prevent peeking or hidden cameras.
Count cash immediately after withdrawal; confirm the amount before leaving (disputes are hard to resolve once you leave the machine).
Do not force the withdrawal slot if cash is retracted—contact the bank for manual processing.

(3) Security Precautions

Watch for anomalies: If the CRM has "extra attached keypads," "blocked cameras," or "foreign objects in the card slot" (e.g., skimming devices), stop using it and report to the bank.
Reject "stranger assistance": If you encounter operational issues, contact the bank’s official customer service or visit a nearby branch—never let strangers help.
Protect account information: Never share your password; do not click "unfamiliar links" on the CRM interface (scammers may tamper with the interface to steal data).

4. CRM vs. Traditional ATMs & Bank Counters

CRMs bridge the gap between traditional ATMs (withdrawal-only) and bank counters (full-service but time-consuming), offering a balance of convenience and functionality:

Comparison Dimension	Cash Recycling Machine (CRM)	Traditional ATM	Bank Counter
Core Functions	Deposit, withdrawal, transfer, bill payment (multi-functional)	Withdrawal, query, transfer (no deposit)	Full services (deposit/withdrawal, account opening, loans, wealth management)
Cash Limits	Deposit: ≤ CNY 50,000/day; Withdrawal: ≤ CNY 20,000/day (adjustable)	Withdrawal: ≤ CNY 20,000/day (no deposit)	No upper limit (large withdrawals require 1-day advance reservation)
Service Hours	24/7 (self-service centers/outside branches)	24/7	Bank hours (usually 9:00–17:00)
Processing Speed	Fast (1–3 minutes per transaction)	Fast (≤1 minute for withdrawal)	Slow (5–10 minutes per transaction; waiting in line)
Ideal Scenarios	Daily small-to-medium cash transactions, bill payments	Emergency cash withdrawals	Large cash transactions, complex services (e.g., account opening)

In summary, Cash Recycling Machines are a cornerstone of modern self-service banking. By combining deposit, withdrawal, and non-cash services, they offer customers 24/7 convenience while helping banks reduce counter pressure and improve operational efficiency.

Our customized bank terminal such as CRM/ATM/Bank open account Kiosk have been widely used more than 20 country's banks,have a bank CRM/ATM or customized bank terminal project,please feel free contact our sales team now.

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Bulk Cash Recycler ATM

A Bulk Cash Recycler ATM (Automated Teller Machine) is an advanced self-service banking device designed for efficient handling of large-volume cash transactions and cyclic reuse of cash. Below is a detailed overview of its features, capabilities, and applications:

Key Features & Capabilities

Cash Recycling Functionality: It can identify, count, and store cash deposited by customers, then directly use this recycled cash to fulfill other customers' withdrawal requests. This eliminates the need for bank staff to frequently replenish and allocate cash, significantly improving cash utilization efficiency and reducing cash management costs.
High-Speed Transaction Processing: For example, models like the SNBC TCR-1100 can handle up to 12 deposit and withdrawal transactions per second. This high-speed processing capability makes it ideal for high-traffic banking environments or busy commercial locations where large cash volumes need to be processed quickly.
Large Cash Storage Capacity: Most Bulk Cash Recycler ATMs are equipped with substantial storage space. Taking the SNBC TCR-1100 as an example, it has a deposit capacity of 300 banknotes and a withdrawal capacity of 300 banknotes, with a total cartridge storage capacity of up to 17,000 banknotes. This large capacity effectively reduces the frequency of cash replenishment.
Multi-Currency Support: Some models support multiple currencies to meet international banking needs. For instance, the SNBC TCR-1100 is compatible with Chinese Yuan (1999/2005/2015 editions) and US Dollars (denominations of $1, $2, $5, $10, $20, $50, $100).
Enhanced Security: These devices are equipped with UL 291 Level 1 security safes and built-in anti-fraud card readers. Optional security features include vibration alarms and remote monitoring software solutions to ensure a secure transaction environment. Additionally, some models have functions for automatic debris cleaning and foreign object detection, further enhancing transaction security.
Strong Functionality Expandability: They can be flexibly configured with additional components such as A4 printers, card/U-shield dispensers, biometric authentication solutions, NFC (Near Field Communication) modules, and barcode scanners. Moreover, they can provide value-added services like currency exchange, bill payment, and card issuance to meet diverse scenarios and customer needs.

Application Scenarios

Bank Branches: It enables banks to shift cash services from tellers to self-service solutions while still offering key financial services (e.g., bank statement printing, card issuance). This helps bank branches deliver more automated and efficient financial services while lowering operational costs.
Large Shopping Malls & Supermarkets: These locations have high cash flow. Bulk Cash Recycler ATMs can meet customers' cash deposit and withdrawal needs, and at the same time, reduce the frequency and cost of cash transportation between the mall/supermarket and the bank.
Transportation Hubs & Tourist Attractions: With high passenger flow, these areas have significant cash demand. Bulk Cash Recycler ATMs can process large-volume cash transactions quickly, providing convenient cash services for travelers.

Hongzhou Smart should provide customizable, ready-to-deploy kiosk hardware with:

ODM kiosks with modular hardware

Core Hardware

Industrial PC
Windows or Android Operation System
Touch display/Monitor: 19'', 21.5'', 27”, 32”or above, capacitive or infrared touch screen
Printer: Laser or Inkjet, Black & White or Color printing can be optioned
Barcode/QR Scanner for Mobile Payment
POS machine or Credit Card Reader for Card Payment
Networking (Wi-Fi, 4G/5G, Ethernet)
Security (Camera, secure boot, tamper-proof casing)
Optional modules: WiFi, Fingerprint, Camera, Coin acceptor and dispenser, Cash/Bill Acceptor and dispenser

Customized Software System

The software powering Bulk Cash Recycler ATMs is a sophisticated, integrated system designed to manage the unique capabilities of these advanced devices—particularly their core cash recycling functionality, high-volume transaction processing, and secure operation. Unlike traditional ATM software, which focuses on basic one-way cash flow, BCR ATM software orchestrates a closed-loop cash ecosystem while enabling advanced services.

Key Software Capabilities
- Real-Time Reconciliation: Automatically matches cash inflows (deposits) and outflows (withdrawals) with account transactions, eliminating manual counting.
- Self-Diagnosis: Detects hardware issues (e.g., jammed notes, sensor errors) and either resolves them automatically (e.g., ejecting a jammed note) or alerts technicians with detailed error codes.
- Multi-Currency Support: Handles multiple currencies (e.g., USD, EUR, CNY) with software that recognizes different note designs, security features, and exchange rates.
- Regulatory Compliance: Enforces limits on cash transactions (e.g., $10,000 daily withdrawal caps) and generates audit reports for financial authorities.
Software Updates & Maintenance
BCR ATM software is regularly updated over secure networks to:
- Add new currencies or denominations (e.g., when a country issues new banknotes).
- Enhance fraud detection algorithms to counter evolving counterfeit techniques.
- Improve transaction speed or add new services (e.g., mobile wallet integration via NFC).

🚀 Want to Deploy a BCR ATM? Contact us for custom solutions, leasing options, or bulk orders!

faq

What's MOQ?

Any quantity is ok, More quantity, More favorable price. We will give discount to our regular customers. For new customers, discount also can be negotiated.

Can I customize the product?

Absolutely yes.

Can you put my company name (logo) on these products?

Yes, we accept OEMODM service, not only your logo but also color, package, etc. We satisfy every request from our customers as long as we can.

Do your products include integrated software?

If you only need kiosk hardware, we will provide you with the SDK of the hardware module to facilitate your software development and connection.
If you need a hardware + software turnkey solution, we also can support you. Please feel free contact us.

How long is the production time?

After you place your order, we will make the renderings and structure. Then there is metalworking (Laser cutting, bending, welding, polishing), painting colors, and kiosk assembly and testing, packaging and shipping. Under this set of work processes, 30-35 working days is standard.