ATMs made their debut when banks began large-scale expansions in the 1990s. Having an ATM card, though, is not cheap. The more cards you hold, the more you will have to pay. Banks have different administration fees, ranging from Rp2,000 to Rp4,500 a month.

The administration fees accumulate in the course of a year. Take Bank Central Asia (BCA), for example. With a fee of Rp4,500 per month, a BCA Tahapan account holder can enjoy interest on