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Published 2026-09-27 · Updated 2026-09-28

Banking Without the Branch: ATMs, CDMs and atm5 in Singapore

Skip the queue — deposits, withdrawals and transfers without visiting a branch.

The big three networks

DBS/POSB run the largest combined ATM fleet, then OCBC and UOB. Their cash deposit machines (CDMs) credit notes instantly, 24/7.

The atm5 shared network

Customers of several smaller banks (including Standard Chartered and Maybank) withdraw fee-free on shared atm5 machines — look for the atm5 logo.

Do it in-app

PayNow transfers, GIRO setup and even branch-code lookups are faster in digibank, OCBC Digital or UOB TMRW than at any counter.

Frequently asked questions

Is this guide verified?

Editorial seed — confirm hours and policies on official channels.

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Updated when?

Seed updated 2026-09-28.

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