The use of ATMs It is something of the most common for everyone. And not only when it comes to getting money, but also when making payments or income. However, sometimes you can give situations in which we do not know what to do or how to proceed. Specifically, we are referring to the fact that the ATM retains the Tickets that you intend to enter. Why does this happen? What to do when a cashier stays with one of your tickets and suddenly tells you that it can be false? This is where a protocol of the ATMs comes into play that is important to know and explained by the Bank of Spain.
Although it is not common, the Bank of Spain has issued a relevant warning for those who use ATMs: tickets that seem false or present doubts about their authenticity can be automatically retained by the system. This action is not a random measure, but is regulated by a European regulations (regulation CE 1338/2001), which forces financial entities and exchange houses to remove from the circulation any suspicious effective of falsification. But the most important thing is to know that you are not unprotected: there is a clear and documented procedure for these cases. The key is to meet What to do and how to act if a ticket is retained by the cashier. The process is designed so that you can track your money and claim if necessary. The Bank of Spain is the institution that analyzes the ticket, determines whether it is authentic or not, and, depending on this, decides whether the amount is reimbursed. But to get to that point, it is necessary that both you and your banking entity meet a series of steps. We will review each of them so that you have all the information at your fingertips.
The Bank of Spain notice about ATMs
If, when making an cash income at an ATM, one of the tickets is considered suspicious, the cashier will automatically retain it. In these cases, the most modern models of the banking system are designed to issue a proof that records that the ticket has been retained. This proof includes a registration number that is essential to follow the file later. The ticket is not destroyed or disappears without more: it is sent to the Bank of Spain, that will be the one who has the last word about its authenticity.
Specifically, the entity that retains the ticket begins a mandatory procedure through a platform from the Bank of Spain. Over there You must fill in a form with the data of the suspicious ticket, the name of the headline that entered it and the data of the entity itself. The sistime then generates a registration number which allows the user to track the process. This number appears in the proof that the client must conserve, and in case of not having received it, he can directly ask for his bank office.
This procedure is designed to give transparency and security to the process. If the ticket turns out to be authentic, the money will be reimbursed In the customer bank account. If for some reason the entity did not correctly introduce the contact data, the Bank of Spain will send the answer directly to the bank, and it will be in charge of communicating the result to the client. Therefore, it is key that when entering money in a cashier, especially high amounts, it is reviewed well that everything is in order.
How to consult the status of the retained ticket?
To know in which state the file is, there is a tool of the Bank of Spain itself calledto file consultation. On this platform, you can Enter the registration number and personal identification number (such as ID) To know if the ticket has been analyzed and what has been the result. There is also the possibility of directly contacting the National Analysis Center in case of additional information or if there has been any problem with the registration.
It is important to note that this analysis does not have a fixed term: The tickets are examined by order of arrivalwhich can make the process be delayed. The Bank of Spain warns that this wait is normal and that there is no reason to be alarmed. The fundamental thing is to have the proof and the file number, since without them the process is complicated and can slow down more.
And once the Bank of Spain analyzes the ticket, Send the result to the owner’s email Or, failing that, to the banking entity that processed the operation. If it is confirmed that the ticket is legitimate, The money will be paid in the corresponding bank account, using the Iban that appears in the file. In case there is any data or there has been an error, the client must contact their bank to correct the information and receive the corresponding amount.
Howeverif it is concluded that the ticket is false, there will be no return, and the ticket will be out of circulation. This is a security measure to prevent fraudulent money from continuing to pass from hand to hand, protecting both consumers and the general economy.
