ATM & CRM Self-Service Cash Deposit and Withdrawal Terminals
1. Product Overview
The Hongzhou Smart ATM (Automated Teller Machine) and CRM (Cash Recycling Machine) are next-generation self-service cash management terminals developed by Hongzhou Smart for banks, financial institutions, and the retail industry. Built on the core principles of security, intelligence, and efficiency, these devices transform traditional over-the-counter cash transactions into a fully automated, 24/7 self-service experience.
The key difference between ATM and CRM lies in their cash handling capabilities:
| Feature | ATM | CRM |
|---|---|---|
| Core Function | Cash dispensing only | Cash dispensing + cash deposit + cash recycling |
| Cash Flow | One-way (dispensing) | Two-way (dispensing and deposit) |
| Cash Recycling | Not supported | Supported – deposited cash reused for withdrawals |
CRM (Cash Recycling Machine) is the advanced version of ATM. It enables two-way cash processing – users can both withdraw and deposit cash. The deposited cash is verified and stored in the secure vault, and can be reused for subsequent withdrawals, significantly reducing manual refill frequency and operational costs.
These devices can be deployed in bank branches, self-service banking centers, luxury shopping malls, transportation hubs, and other high-traffic locations, enabling financial institutions to expand cash service coverage at minimal operational cost.
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. ATM vs. CRM – Comparison Table
| Comparison Dimension | Traditional ATM | CRM (Cash Recycling Machine) |
|---|---|---|
| Core Functions | Withdrawal, inquiry, transfer | Withdrawal, deposit, transfer, bill payment (multi-function) |
| Cash Processing | One-way dispensing | Two-way deposit + withdrawal + cash recycling |
| Cash Limits (Adjustable) | Withdrawal: ≤ RMB 20,000/day | Deposit: ≤ RMB 50,000/day; Withdrawal: ≤ RMB 20,000/day |
| Service Hours | 24/7 | 24/7 |
| Processing Speed | Fast (≤ 1 min/transaction) | Fast (1–3 min/transaction) |
| Ideal Use Cases | Emergency cash withdrawals | Daily small-to-medium cash transactions, bill payments |
As an advanced version of the ATM, the CRM significantly improves self-service cash operation efficiency with its "two-way cash processing" capability. It is a core device for banks to reduce counter pressure and lower cash management costs.
3. Key Features
3.1 Cash Withdrawal (ATM & CRM)
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Single withdrawal limit: RMB 2,000–5,000 (depending on bank configuration)
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Supports RMB 100 denomination dispensing
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Supports cardless withdrawal – users generate a withdrawal code via mobile banking and input the code + PIN at the terminal
3.2 Cash Deposit (CRM-Exclusive Feature)
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Supports both card-based and cardless deposit (enter recipient account number)
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Accepts denominations: RMB 10, 20, 50, 100 (newer models)
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Single deposit limit: 100–200 banknotes (approx. RMB 10,000–20,000)
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Daily cumulative deposit limit: typically RMB 50,000 (varies by bank policy)
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Automatic counterfeit detection and authenticity verification; counterfeit or damaged notes are automatically returned
3.3 Cash Recycling (CRM Core Advantage)
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Deposited cash is verified and stored directly in the secure vault
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Subsequent withdrawal requests prioritize recycled cash
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Significantly reduces bank refill frequency and cash management costs
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Optimizes cash circulation efficiency and reduces cash transportation risks
3.4 Non-Cash Functions
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Account Inquiry: Balance inquiry, transaction history printing (last 6–12 months)
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Transfer & Remittance: Supports both intra-bank and inter-bank transfers; single transaction limit typically RMB 50,000
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Bill Payment: Utility bills (electricity, water, gas), mobile phone top-ups (requires pre-registration)
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PIN Management: Inquiry/transaction PIN modification, mobile number binding
3.5 Value-Added Features (Advanced Models)
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Facial Recognition Service: Liveness detection for identity verification; enables cardless deposits and withdrawals
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Check Deposit: Integrated check scanning technology; funds credited in 1–3 business days
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Foreign Currency Services: Some airport or international location models support USD, EUR, JPY, and other foreign currencies
4. Technical Specifications
4.1 Core Hardware Configuration
| Component | Specification |
|---|---|
| Cash Handling Module (Core) | Deposit slot + bill validator (optical/magnetic sensors for authenticity and denomination verification), dispensing slot, recycling vault |
| Identity Verification Module | EMV chip/magnetic stripe card reader, facial recognition camera (optional), privacy-protected PIN pad (anti-peeping shield + randomized key layout) |
| User Interface Module | Industrial-grade touchscreen (19–27 inches) with privacy filter for data protection |
| Secure Vault | UL291 Level 1 security certified; anti-drill, fire-resistant materials; real-time linkage with bank backend |
| Surveillance Module | Top/side monitoring cameras recording transactions; assists in dispute resolution |
| Communication & Control | Industrial PC (IPC) with dedicated operating system; real-time synchronization with bank core systems via encrypted network |
4.2 Physical Specifications
| Parameter | Specification |
|---|---|
| Dimensions | Approx. 59 × 52 × 186 cm (W×D×H), customizable |
| Weight | Approx. 350 kg (varies by configuration) |
| Material | 1.5–2.0mm cold-rolled steel reinforced chassis; anti-rust and anti-dust coating |
| Security Standard | UL291 financial equipment security standard certified |
4.3 Certifications
| Certification | Standard |
|---|---|
| ISO9001 | Quality Management System |
| ISO13485 | Medical Devices Quality Management |
| ISO14001 | Environmental Management |
| IATF16949 | Automotive Quality Management (manufacturing reliability) |
| UL | Product Safety Certification |
5. Security Architecture
ATM and CRM devices incorporate a multi-layer security protection framework:
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Structural Security: Reinforced steel chassis, anti-drill locks, anti-pry hinges; meets UL291 financial equipment security standards
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Intelligent Alarm System: Tamper-proof casing, vibration sensors, door-contact sensors; triggers audible/visual alarms and remote notifications upon anomaly detection
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Data Security: End-to-end encryption for all transactional data; cardholder information processed in compliance with PCI-DSS standards
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Fraud Prevention: Built-in anti-skimming card reader; optional foreign object detection
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24/7 Surveillance: Supports integration with third-party CCTV and remote monitoring platforms
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Aging Testing: Every device undergoes a minimum 72-hour burn-in test before delivery to simulate real-world 24/7 operation
6. Deployment Scenarios
| Scenario | Value Proposition |
|---|---|
| Bank Branches / Self-Service Banking Centers | Relieves counter pressure; provides 24/7 extended service; reduces operational costs |
| Luxury Shopping Malls | Offers convenient cash deposit and withdrawal services for merchants and shoppers |
| Transportation Hubs (Airports / Train Stations) | Serves business and leisure travelers; provides instant cash and foreign currency services |
| Hotels / Tourist Areas | Meets tourist cash needs; enhances customer experience |
| Retail Chains | Provides cash management terminals for merchants; reduces cash accumulation risks |
7. Customization & OEM/ODM Services
Hongzhou Smart provides comprehensive OEM and ODM services for ATM and CRM platforms:
| Customization Area | Available Options |
|---|---|
| Hardware Design | Exterior finish, branding/logos, color schemes, form-factor customization |
| Cash Handling | Cassette capacity, denomination configuration, deposit/withdrawal limits |
| Software Interface | UI layout, transaction workflows, multi-language support |
| Function Modules | Facial recognition, fingerprint biometrics, check scanning, foreign currency services, etc. |
| Regulatory Compliance | Tailor KYC/AML features, reporting, and data privacy to local laws |
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 with zero outsourcing. The company operates a complete advanced sheet metal processing production line, including laser cutting, Amada CNC bending, welding, and assembly processes.
8. Market Validation & Global Clients
Hongzhou Smart ATM/CRM products have earned trust from leading global enterprises:
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Banking & Financial: Bank of China, Ping An Bank, Hana Financial Group, GRG Bank
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International Clients: Western Union, Vodafone Group, MTN, Lyft, GE Healthcare, Bühler Group, Changi Airport Group
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Global Exhibitions: Showcased at EuroShop 2026 (Düsseldorf, Germany) and FEBRABAN TECH 2026 (São Paulo, Brazil), attracting strong interest from global financial institutions
