Can you deposit money into someone else's account at an ATM?

Can You Deposit Money Into Someone Else’s Account at an ATM?

Making deposits into another person’s account using an ATM is possible, but not universal. While many banks offer the functionality for inter-account transfers, it’s not a feature available at all ATMs or across all bank networks. Crucially, it hinges on the accounts being linked within the same banking institution.

Inter-account transfers via ATM are generally handled through your own bank’s system. This means you can likely complete the transaction if both accounts are part of a single banking relationship. However, the key factor is the ATM’s affiliation with your bank. Using an ATM from a different bank, even one with a similar service offering, is unlikely to facilitate the transfer.

The underlying technology relies on the ATM being connected to your specific bank’s network. This connection allows the transfer to be processed securely and efficiently within the bank’s system. Transferring funds to an account with a different bank would, therefore, require a different method, like online banking, a mobile app, or a physical branch visit.

In summary, using an ATM to deposit money into someone else’s account is feasible, but only if both accounts are held within the same bank, and the ATM is part of that same network. Using a foreign ATM will likely not allow for this type of transaction.