How to Deposit Money into Your Public Bank Account Using the CDM Machine

If you’re looking for a quick and convenient way to deposit cash into your Public Bank account in Malaysia, the Cash Deposit Machine (CDM) is a great option. With the CDM machine, you can deposit money without the need to visit a bank branch or fill out forms. It’s available 24/7, providing flexibility and accessibility.

In this guide, we’ll walk you through the process of depositing money into your Public Bank account using the CDM machine in just 5 easy steps. We’ll also discuss some of the advantages and limitations of this method and address common questions.

What Is a CDM Machine?

A Cash Deposit Machine (CDM) is a type of automated banking machine designed for cash deposits. Unlike traditional ATMs, you don’t need an ATM card or PIN to use a CDM machine. Instead, you’ll use your account number and cash to make deposits. CDM machines are typically located near bank branches and ATMs, offering a convenient way to handle your banking needs.

How to Deposit Money into Your Public Bank Account Using the CDM Machine

To deposit money into your Public Bank account using the CDM machine, follow these straightforward steps:

Step 1: Locate a Public Bank CDM Machine

Start by finding a Public Bank CDM machine near you. You can use the Public Bank branch locator to identify the nearest CDM machine. Additionally, look for the Public Bank logo on the machine to ensure it accepts Public Bank deposits.

Step 2: Choose Your Preferred Language

Once you’re at the CDM machine, select your preferred language from the available options, which are usually English or Bahasa Malaysia.

Step 3: Select “Bill Payment”

On the CDM machine’s main menu, choose the “Bill Payment” option. This selection will allow you to deposit money into your Public Bank account.

Step 4: Enter Your Account Details

Enter the required information on the screen:

  • Biller Code: This code may vary depending on the bank and location.
  • From: Select the account from which you wish to deposit money.
  • Amount: Specify the amount you want to deposit.
  • Ref-1: Enter your 10-digit Public Bank account number (typically found on your bank statement or card).
  • Ref-2: Leave this field blank.

Step 5: Insert Your Cash and Confirm

Insert the cash you want to deposit into the designated slot on the CDM machine. You can deposit various denominations of Malaysian Ringgit notes, ranging from RM1 to RM100. The CDM machine will count your cash and display the total amount on the screen. Review the details, ensuring accuracy, and confirm the transaction by selecting “Yes.” The CDM machine will generate a receipt for your reference.

Congratulations! You have successfully deposited money into your Public Bank account using the CDM machine in Malaysia.

Advantages of Using the CDM Machine

Utilizing the CDM machine for your cash deposits offers several benefits:

  • Convenience: You can deposit money anytime, day or night, at your convenience.
  • Reduced Waiting Time: Avoid long lines at the bank counter by using the self-service CDM machine.
  • High Deposit Limit: The CDM machine typically allows deposits of up to RM10,000 per transaction.
  • Multiple Denominations: You can deposit cash in various denominations, from RM1 to RM100.
  • Additional Services: CDM machines often offer services beyond deposits, such as transferring funds or making bill payments.

Limitations of Using the CDM Machine

However, there are some limitations to consider when using the CDM machine:

  • Cash Requirement: You need to have physical cash on hand for deposits, which may not always be convenient or safe.
  • Potential Issues: Occasionally, the CDM machine may have technical issues, leading to rejected or failed transactions.
  • Coin and Check Deposits: CDM machines typically do not accept coin deposits or checks. These may require a visit to the bank branch.
  • Possible Fees: Depending on your banking relationship and transaction type, you may incur fees for using the CDM machine.

Frequently Asked Questions

Here are answers to common questions about using the CDM machine:

Q: How can I confirm that my deposit was successful?

A: Your deposit’s success can be verified by checking the receipt generated by the CDM machine. It should display your account number, deposited amount, date, time, and a reference number. You can also verify your account balance through online banking or by contacting your bank.

Q: What if the CDM machine rejects or retains my cash?

A: If the CDM machine rejects your cash, ensure that your money is in good condition, free from damage, dirt, or adhesive substances. Straighten any crumpled notes and try the deposit again. If the machine retains your cash without completing the transaction, it could be due to technical issues or network problems. In such cases, reach out to the bank or use alternative banking channels for assistance.

Q: How long does it take for my deposit to reflect in my account?

A: The time it takes for your deposit to appear in your account may vary. Deposits into your own Public Bank account should typically reflect immediately. Deposits into another Public Bank account may take the same day, while deposits to accounts at other banks may take up to two working days.

Q: Can I deposit coins or checks using the CDM machine?

A: No, CDM machines are designed for cash note deposits only. Depositing coins or checks may require a visit to the bank branch or using specialized machines like Coin Deposit Machines (CDMs) or Check Deposit Machines (CQMs).


Depositing money into your Public Bank account using the CDM machine is a convenient and efficient way to handle your banking needs. It offers flexibility and accessibility, allowing you to deposit cash at any time. However, it’s important to be aware of the potential limitations and fees associated with this method. Always verify your transaction details and keep your receipt for reference.

If you have any further questions or feedback about using the CDM machine, don’t hesitate to leave a comment or contact your bank’s customer service. We’re here to assist you with your banking needs.

Share this article:
Amir Zulkarnain
Amir Zulkarnain

Amir Zulkarnain, a tech enthusiast, provides insightful articles on the latest technological trends. Passionate about innovation, Amir offers a fresh perspective on the ever-evolving tech landscape.

Leave a Comment