Using an ATM for the first time can raise questions, especially during a trip. Where do you insert the card? Which option should you choose? When do you enter the PIN? How do you know the transaction is complete?
The good news is that the process is usually simple. To use an ATM for the first time, you need a card enabled for withdrawals, the corresponding PIN, and an available balance. Then, simply follow the instructions displayed on the machine’s screen.
Our team closely monitors the main questions travelers have when arriving in Brazil, including international tourists who need to withdraw Brazilian reais during their trip. That is why we have put together this complete step-by-step guide, from choosing an ATM to collecting the cash.
For travelers arriving by plane, there is an additional convenience: several Brazilian airports have ATM24h machines, allowing you to make a withdrawal shortly after landing.
How to use an ATM for the first time?
Using an ATM for the first time is easier than it may seem. Simply use an enabled card, follow the instructions displayed on the screen, and confirm the desired transaction.
An ATM, also known as an Automated Teller Machine, is a self-service machine that allows you to carry out banking transactions without entering a bank branch.
To make a withdrawal, for example, you usually insert or tap your card, enter your PIN, select the cash withdrawal option, and choose the amount.
The machine itself displays each step on the screen. This means you do not need to memorize the entire procedure before you begin.
Menus and the order of the steps may vary depending on the machine, network, and card used. ATMs located in areas with a high flow of tourists may also offer the option to select another language.
While traveling in Brazil, airports are especially convenient places for a first withdrawal. The ATM24h network is available at airports in different regions of the country, allowing you to get Brazilian reais before heading to your hotel or starting to explore your destination.
What is an ATM?
An ATM is a machine that allows you to make withdrawals, check information, and carry out other banking transactions without entering a bank branch.
ATM stands for Automated Teller Machine. In Brazil, the machine is mainly known as a “caixa eletrônico.”
Unlike a bank branch, an ATM is designed for self-service. Users carry out the transaction directly on the machine by following the information displayed on the screen.
Depending on the terminal and the card used, available transactions may include:
- cash withdrawals;
- balance inquiries;
- statement inquiries;
- payments;
- transfers;
- other transactions offered by the institution or network responsible for the terminal.
For travelers, withdrawing cash is often one of the most important functions. An international tourist arriving in Brazil with an international card, for example, may use a compatible ATM to withdraw Brazilian reais.
Likewise, Brazilians can use ATMs to obtain cash while traveling around the country.
What do you need to use an ATM?
Before making a withdrawal, it is important to check whether your card is enabled for this type of transaction.
You do not need previous experience with ATMs. However, some requirements must be met for the transaction to be authorized.
In general, you will need:
- debit card or card enabled for withdrawals: check which transactions are available for your card;
- international card: international travelers should check whether the card is compatible with transactions in Brazil;
- global account: some cards linked to international accounts allow withdrawals abroad;
- PIN: the transaction may require the PIN associated with the card;
- available balance: the account must have enough funds to cover the withdrawal and any applicable fees;
- international use enabled: depending on the issuer, use outside the card’s country of origin may need to be enabled.
Before your trip, check the app or official channels of the institution responsible for the card. In addition to confirming that withdrawals are enabled, check the applicable limits and fees.
How to withdraw money from an ATM? See the step-by-step guide
Even someone who has never used an ATM can make a withdrawal by following a few steps and the instructions displayed on the screen.
The exact sequence may vary between machines. Even so, the process generally follows a very similar logic.
- Find a trusted ATM. Prefer machines installed in airports, hotels, shopping malls, and other places with controlled foot traffic.
- Insert or tap your card. Some machines require physical insertion, while others may accept contactless cards.
- Choose the language. When this option is available, select the language in which you want to continue.
- Enter your PIN. Cover the keypad with your other hand to prevent other people from seeing the numbers you enter.
- Select the withdrawal option. It may appear as “saque” or “withdrawal,” depending on the language selected.
- Choose the account. When prompted, select the type of account linked to the card.
- Enter the amount. Select one of the available amounts or enter another amount if the terminal allows it.
- Review and confirm the transaction. Read the information displayed before confirming, especially the amount and any costs shown.
- Collect the cash. Wait for the banknotes to be dispensed and put the money away before leaving the area.
- Take your card and receipt. If the machine retains the card during the transaction, wait for it to be returned before leaving.
The order in which the card, cash, and receipt are returned may vary from one machine to another. Therefore, keep following the screen until it confirms that the transaction has ended.
How to use a card at an ATM for the first time?
Using a card at an ATM for the first time usually follows the same procedure as subsequent transactions.
Anyone who has never inserted a card into an ATM may be unsure mainly about the correct position. At terminals that require insertion, look at the illustration near the card reader and follow the instructions provided.
Do not force the card. If you feel resistance or the machine does not recognize the insertion, remove it and check the position again.
Some ATMs may also offer contactless reading. In this case, look for the contactless symbol and follow the instructions on the screen.
During the process, follow every message displayed by the ATM. Some machines return the card before dispensing the cash; others may follow a different sequence.
When finished, make sure that:
- you have your card with you again;
- you collected the cash;
- the transaction has been completed;
- the receipt was collected or declined;
- no document or personal item was left at the machine.
Where can you find ATM24h machines in Brazil?
Travelers arriving in Brazil can find ATM24h machines at several airports, making it easier to access cash shortly after landing.
Airports are strategic locations for travelers who need to withdraw Brazilian reais upon arrival in the country. This avoids having to look for an ATM after leaving the terminal.
Some of the airports with ATM24h machines include:
| Airport | Location |
| Guarulhos International Airport | Departure, arrival, and common areas |
| Tom Jobim International Airport, in Rio de Janeiro | Departure, arrival, and ATM areas |
| Brasília International Airport | Departure and central areas |
| Florianópolis International Airport | Domestic arrivals, international arrivals, and Loja Protege |
| Salvador International Airport | Departure and arrival areas |
| Fortaleza International Airport | Passenger terminal |
These are some of the Brazilian airports where the network is present. Availability and machine locations may change, so it is worth checking the latest locations before your trip.
The presence of ATM24h machines in places of interest to tourists is also aligned with Brasil ATM’s goal of providing useful information for Brazilian and international travelers. The project serves Portuguese-, English-, and Spanish-speaking travelers interested in discovering the country.
Which cards work at ATM24h machines?
Domestic and international cards can be used for withdrawals when they are compatible with the terminal and enabled for this type of transaction.
Having a card does not automatically mean that every withdrawal will be authorized. The issuing institution may set limits, rules for international use, and other conditions.
Domestic cards
People with an account in Brazil should check with their bank or financial institution which withdrawals are available and what limits apply.
International cards
International tourists should check before traveling that their card is enabled for international use and cash withdrawals.
It is also important to know the PIN required for in-person transactions.
Global account cards
Cards linked to global accounts may also allow withdrawals, according to the conditions established by the issuing institution and the compatibility of the transaction.
In all cases, check your card’s fees, limits, and rules in advance. A transaction may involve costs set by more than one institution.
How much does it cost to withdraw money from an ATM?
The cost of a withdrawal depends on the card, the issuing institution, and the conditions presented for the transaction.
There is no single amount that applies to all users and ATMs.
| Possible cost | Who determines or influences it |
| Issuing bank fee | Customer’s bank or institution |
| Taxes, when applicable | Current legislation |
| Transaction-related fees | Depend on the card and transaction |
| Currency conversion | Depends on the conditions applicable to the card and transaction |
Brazil’s Central Bank provides information on the maximum fees reported by institutions for banking services. In September 2026, for example, the ATM withdrawal fee table shows different amounts depending on the bank, reinforcing that the cost is not standardized.
Therefore, check the total amount displayed before confirming the withdrawal and review the card issuer’s terms. For foreign cards, it is also important to understand how the institution handles currency conversion.
Is it safe to use an ATM for the first time?
ATMs can be used safely by taking simple precautions before, during, and after the transaction.
The first precaution begins with choosing the machine. Travelers who are not yet familiar with the destination may feel more comfortable prioritizing well-structured locations.
Some important measures include:
- prefer ATMs located in airports, hotels, shopping malls, and other busy environments;
- cover the keypad while entering your PIN;
- inspect the card reader before using it;
- do not use machines that appear damaged or tampered with;
- never share your PIN with anyone;
- avoid accepting help from strangers;
- review the information displayed before confirming the transaction;
- put away your cash and card before leaving the terminal.
There is also no need to count or display the banknotes in a busy area. After collecting the cash, put it away first and only then organize your belongings.
What are the most common mistakes when using an ATM?
The most common mistakes are related to rushing, not paying attention to the messages on the screen, and overlooking basic security precautions.
One of them is leaving the machine before completing every step. Depending on the ATM, the card may be returned before or after the cash is dispensed.
It is also worth avoiding:
- forgetting your card: follow the screen until the transaction is complete;
- leaving the receipt behind: collect it when it is printed;
- entering your PIN without covering the keypad: shield the area while typing;
- accepting help from strangers: if you have difficulty, look for an identified employee of the establishment;
- using damaged machines: choose another terminal if you notice anything suspicious;
- ignoring amounts displayed on the screen: read the conditions before confirming;
- leaving with cash exposed: organize your card and banknotes before leaving the area.
For anyone learning how to use an ATM for the first time, the most important rule is not to rush. The machine guides you through the transaction step by step.
Is it worth using an ATM for the first time at an airport?
An airport can be one of the most convenient places to make your first withdrawal, especially if you have just arrived in Brazil and need Brazilian reais.
Learning how to use an ATM for the first time does not require advanced banking knowledge. The machine itself guides the user during the transaction and indicates the information needed to complete the withdrawal.
For travelers, doing this at the airport can make the beginning of the trip easier. Having a small amount of Brazilian reais can be useful for expenses that accept or require cash during the itinerary.
The ATM24h network has machines at major Brazilian airports, allowing domestic and international tourists to find a withdrawal option directly in the terminal.
Before the transaction, check your card’s conditions, available balance, and any applicable costs. At the ATM, read each message carefully, protect your PIN, and wait until the transaction is fully completed.
Brasil ATM works precisely to bring together clear and useful information for people traveling around the country. The project’s editorial goals include providing quality content to help tourists plan trips and discover Brazil, as well as expanding access to information for Brazilian and international travelers.
Where to withdraw money from ATM24h machines in Brazil
To make the most of your itinerary, it is better to carry some cash. This helps ensure a smooth and enjoyable experience. In some places, cash is essential for food, transportation, attraction tickets, and more.
Check the table below with some ATM24h machines in the regions mentioned in this article:
| Where | Location |
| Curitiba International Airport | See all locations here |
| Guarulhos International Airport | See all locations here |
| Rio de Janeiro International Airport | See all locations here |
| Santos Dumont Airport | See all locations here |
Discover Brasil ATM
At Brasil ATM, we see Brazil as a place full of unique beauty and fascinating culture. Our portal, supported by the global ATM24h brand, reflects our love for Brazil. Our goal is to inspire tourists to explore its wonders safely and with reliable information.
We provide accurate, up-to-date, and inspiring information in three languages. With us, you will have everything you need to plan your trip with confidence. We offer travel guides, detailed itineraries, and useful planning tips.
We want to help create lasting memories. We will show you Brazil’s natural and cultural beauty. Explore famous destinations such as Rio de Janeiro and São Paulo, and discover hidden gems such as Lençóis Maranhenses and Fernando de Noronha. We are here to help you make the most of your trip.
You may also like to read:
- ATM at Curitiba Airport: where to withdraw money safely
- ATM at Florianópolis Airport: where to withdraw money safely
- Cash in Brazil: how to pay, withdraw, and use cash during your trip
- Exchange at São Paulo airport: where to exchange money and withdraw Brazilian reais safely
Frequently asked questions about how to use an ATM for the first time
Insert or tap an enabled card, follow the instructions on the screen, enter your PIN when requested, and choose the desired transaction. To withdraw cash, select the corresponding option and enter the amount.
Choose the withdrawal option, enter or select the amount, and confirm the transaction. Then collect the cash and make sure your card has also been returned.
Transactions such as cash withdrawals normally require authentication. The authentication method depends on the card, issuer, and terminal used.
International cards may be accepted when they are compatible and enabled for withdrawals. Check with the issuer before traveling to learn about limits and any applicable fees.
Airports offer busy, structured areas for carrying out financial transactions. Even in these locations, protect your PIN, do not accept help from strangers, and inspect the machine before using it.
The ATM24h network is present at airports and other strategic locations in Brazil. These include airports in Guarulhos, Rio de Janeiro, Brasília, Florianópolis, Salvador, and Fortaleza.
