Abstract: In this project, a smart and secure single ATM card system with multi-factor authentication that can access various bank accounts is designed and implemented. An Arduino Mega microcontroller is used in the system, along with an RFID module, fingerprint sensor, keypad, LCD display, GSM module, and many auxiliary parts. Users can select between using their fingerprints or entering their password to validate their identification when they swipe an RFID card. Following authentication, users can choose from a number of connected bank accounts and carry out financial tasks including checking their balance and making cash withdrawals. After transactions, the system refreshes and shows the remaining amount. In the event of successful withdrawals or unauthorised access, it also sends out alert messages via GSM. By combining different bank access into a single smart card system, this project improves banking security and ease while supporting numerous users with separate credentials.

Keywords: ATM card system, RFID card, alert messages.

Downloads: | DOI: 10.17148/IJIREEICE.2025.13820