“ATM Based Cluster Wi-Fi & Locker System” allows an individual to use public Wi-Fi and a locker facility after swiping the ATM card on the ATM card reader which is interfaced to the microcontroller. After checking the credentials, money for the requested usage is deducted from the bank account. Then an OTP is sent to the person's mobile phone via GSM. This OTP will get detected by the dedicated smartphone app and the internet access is automatically activated.