
World’s First Virtual ATM – Helping Banks Save Cost and Get Closer to Their Customers!
Sonect converts every shop into a “virtual ATM”. This reduces cost of cash distribution for banks and eases up in store cash management for merchants via a location-based on-demand service. Users of the platform can withdraw cash from any of the participating shops using a smartphone. Sonect builds a community around local businesses and helps them generate physical leads while banks save up to 50% in running their ATM operations and optimize their presence. Sonect also helps banks expand their services into new regions and increase financial inclusion without any significant capital investment.
Overview
Features
Set up your account secure, fast and easy. Register your phone number. Follow three simple steps to enter your personal data. Secure your account by setting up a PIN code and you are ready to go.

For security, authenticate yourself before accessing the app by entering your personal PIN code, your fingerprint or Face ID.

Personal PIN
Use the personal PIN you selected during the registration process to access the app.
Fingerprint
Use your fingerprint to access the app.
Face ID
Use Face ID to access the app.
The map is your home screen. Use the map to easily find the nearest shop (virtual ATM) to withdraw cash.

Withdraw
Click on the ‘Withdraw’ button to request your desired amount to withdraw.
Directions
Click on the ‘Directions’ button to learn how to reach your selected shop.
Search Bar
Use the search bar and search virtual ATMs by shop, city, zip code…
Shop Overview
Click on a virtual ATM to get an overview of the shop with information like distance, rating by other users or type (restaurant, pharmacy, club, etc.).
Favourites
Click on the ‘heart’ symbol to access your favourite shops.
Shop List
Curious about all the shops on our platform? Access the shop list and learn where you can withdraw cash and what each shop offers.

You are in a shop and remember that you need to withdraw cash? Easily initiate a cash withdrawal by scanning the QR code of the SONECT shop (virtual ATM).

Add your preferred payment method. Connect directly to your bank account. See your current balance or select an amount to increase your balance.

Balance
See the current balance of your SONECT account.
Top up your Balance
Want to increase your balance in the app to make faster withdrawals? Choose your desired amount and your preferred payment method.
Payment Methods
Withdraw cash my adding your preferred payment method. If your bank is a SONECT partner, you can easily connect your bank account to withdraw directly from it for free.
Always have an overview of your transactions. Whether it is an ongoing, confirmed or rejected withdrawal request, in your transaction history you can easily find all details about your withdrawal activity.

Give me more details!
You want to turn your shop into a virtual ATM? Just download the app on your smartphone and register as a Shop. If you prefer, we can also integrate our solution directly into your POS (Point-of-Sale) System. If your shop is already registered on our platform, you can register ‘Shop Workers’. For example, a restaurant can register its waiters, so that everyone can handout cash directly at the table. Of course, a Shop Worker account does not have the same rights as the ‘Shop’ account.

For security, authenticate yourself before accessing the app by entering your personal PIN code, your fingerprint or Face ID.

Personal PIN
Use the personal PIN you selected during the registration process to access the app.
Fingerprint
Use your fingerprint to access the app.
Face ID
Use Face ID to access the app.
In your cockpit you can customize your shop to your needs
Shop & Worker Balance
See the current total balance of your Shop and Worker account(s). Your balance includes the cash you handed out to customers and the commissions you earned by doing so.
Availability
If a Uber driver does not want to drive anymore, he can log out of the platform. With us, it works the same way. You are out of cash or just don’t want to offer cash withdrawals at the moment? No worries, just disable SONECT and your shop won’t be shown as available on the platform. You can enable it again whenever you want to.

Opening Hours
Set your opening hours to automatically enable/disable SONECT.
Your Offer
Make use of our platform and leverage it as an additional marketing channel. Add your promotion in the tagline, e.g. ”10% on all our fresh breads”.
Upload an Image
Upload an image that will be displayed for SONECT users.
Withdrawal Limit
Set a withdrawal limit if you do not want users to withdraw high cash amounts in your shop.
This is your home screen. If a user walks into your shop and wants to withdraw cash, just ask him for his barcode and click on ‘Scan & Payout’. It also shows you your current account balance.

In the Transaction Details of every request you have the possibility to confirm or reject the cash withdrawal. You received a user request, but realize that you do not have cash to hand out or you just don’t want to? You always have the possibility to reject a request. If the user is not yet in your store, confirm the request to assure him your availability for the service. If the user is already in your store, confirm the request by directly performing the transaction.

Requested Amount to Withdraw
You are always advised about the amount the user desires to withdraw. (Banknote in the top left-hand corner)
Commission
You are always advised about the commission you will earn for each transaction. (Grey box in the top right-hand corner)
Status
Revise the status of the transaction. Requested, Confirmed, Rejected, Cancelled.
Scan to Confirm
Scan the user’s barcode to confirm and perform the transaction.
Enter Code to Confirm
Your camera or POS-System is having issues to read the barcode? Enter the code manually.
Confirm
If the user is not yet in your store, confirm the request to assure him your availability for the service.
Reject
You received a user request, but realize that you do not have cash to hand out or you just don’t want to? You always have the possibility to reject a request.
Let a user directly create a cash withdrawal request by scanning your SONECT Shop ID.

Want to check on your transaction history? We have got you covered. Here you will find every transaction you made, also the cancelled ones.
Easy Book-keeping
- Want to do your book-keeping at the end of the day? Just request the daily summary. We will also send you daily, weekly and monthly summaries of your transactions, so you always know what’s going on in your shop.

We are constantly improving our solution for all parties involved. Soon we will publish a redesign and additional valuable features. Make sure to get in touch with us to resolve any questions and to learn about how we can help you save costs and bring more value to your business and private clients.