Setting Up Your PIN & ATM Withdrawal (Indonesian users only)

Role: ✔ Admin, ✔ Team Manager, ✔ Employee

For ATM withdrawal, you must first receive your physical card and finish your KYC verification. You will need to set up your PIN too before you are able to use your physical card for ATM withdrawal.

• For more details about how to do KYC verification, please read: How to do KYC from Mobile Phone.

1. Setting Up Your PIN

1. After logging into your Spenmo app, click on your physical card displayed on the dashboard.

2. Under the 'Settings' tab, scroll down and select 'Set PIN' or 'Update PIN'.

If this is your first time setting up your PIN, it will show as 'Set PIN'. If you have set up your PIN before and would like to change it, it will show as 'Update PIN'.

3. Key in the PIN that you’d like to have and then confirm your PIN.

4. Click 'Set PIN' to save your PIN. You will see a confirmation that your PIN is successfully set up as shown below.

2. ATM Withdrawal

After you finish setting up your PIN, you can withdraw cash from ATMs using your Spenmo physical card. Below are the steps on how to do ATM withdrawal:

1. Insert your card into the ATM and then enter the PIN for your Spenmo card.

2. Select the language that you will be using on the ATM.

3. Select the amount that you want to withdraw from the ATM.

Please note that the minimum amount to withdraw using a Spenmo card is IDR200,000.

4. Choose from which account you will be withdrawing from (Checking, Saving, or Credit). By default, please select Checking to withdraw the funds.

5. You will be directed to the currency conversion page, press 'Declined Conversion'. Your transaction will be processed and you can withdraw the funds.

Note:

• In several ATMs, there might be no conversion page. If you don't see the page, you can skip it and the transaction will be processed right after selecting your account (Step 4).
• Withdrawal fees might apply to certain ATM banks.