This project’s main objective is to integrate multiple bank accounts into one single smart card. Many banks charge ATM usage fees from the customers for different transactions. At present day, every customer has an individual ATM card for each and every bank in which he/she maintains an account. So, while handling the cards, many passwords are involved. In order to overcome these difficulties, we embedded more than one bank account of the user in a single ATM smart card, therefore letting the user swipe the card so that the respective individual can select the bank from which he/she is interested to carry out the transaction.