1. Introduction
The UTHAI XJF-605 Smart Card Reader is a versatile external USB device designed for reading various smart cards, including financial cards, ID cards, and SIM cards. It offers a convenient and secure way to perform tasks such as online banking, tax reporting, and digital signatures directly from your computer. This manual provides detailed instructions for setting up, operating, and maintaining your smart card reader.
Video: Product overview and demonstration of the smart card reader.
2. Package Contents
Please check the box for the following items:
- 1 x UTHAI XJF-605 Smart Card Reader
- 1 x USB Cable (USB 2.0)
- 1 x USB-C Adapter
- 1 x Software CD
- 1 x Packing Box

3. Specifications
| Feature | Detail |
|---|---|
| Product Name | Smart Chip Reader |
| Model Number | XJF-605 |
| Color | Noble Black |
| Shell Material | ABS / Baking Finish |
| Product Dimensions | 64mm x 64mm x 0.85mm (approx. 2.5 x 2.5 x 0.03 inches) |
| Weight | 24g |
| Attached Cable Length | 100mm (USB 2.0 + USB-C Adapter) |
| Interface Type | USB 2.0 |
| Installation | External |
| Power Supply | No external power supply required |
| Transmission Speed | 480Mbps |
| Working Voltage | 5V |
| Service Life | More than 100,000 times |
| Working Humidity | -20°C ~ 60°C |
| LED Indicator Status | Red light: Power indicator Blue light: Chip financial card read indicator |
| Supported Card Types | 5V, 3V, 1.8V Smart Cards, ICC ISO/IEC 7816 Class A, AB and C. Supports DNIE, ATM, IC, ID, CAC, SIM, smart card, tax card, and bank card. Also supports TF/Micro SD/MMC, Micro SDHC, Micro SDXC, RS-MMC, MMC Micro. |
| Certification Standards | PIV, EMS, ISO-7816, EMV2 2000 Level 1, VCCI, Microsoft WHQL, CE |
| Supported Operating Systems | Windows 98/ME, 200/XP (32-bit), 2003 Server, Win 7/8/10, Windows CE 5.0 (depending on hardware), Windows Vista (32-bit/64-bit), Linux, Mac OS 10.6-10.10 |
| High-concerned chemical | None |
| Origin | Mainland China |

4. Setup
4.1 Driver Installation
The UTHAI XJF-605 Smart Card Reader is designed for plug-and-play functionality on most modern operating systems, particularly Windows 10. For other operating systems or if automatic recognition fails, manual driver installation may be required.
- For Windows 10: In most cases, no installation is required. Plug the USB cable into your computer, and the device should be automatically recognized.
- For other Windows versions (98/ME, 200/XP, 2003 Server, Vista, 7/8), Linux, or Mac OS:
- Insert the included Software CD into your computer's CD/DVD drive.
- Follow the on-screen instructions to install the necessary drivers.
- If your computer does not have a CD/DVD drive, you may need to download drivers from the manufacturer's official website (if available).

4.2 Connecting the Reader
- Connect the USB cable to the smart card reader.
- Plug the USB-A end of the cable into an available USB port on your computer. If your computer only has USB-C ports, use the provided USB-C adapter.
- The red LED light on the reader will illuminate, indicating that it is powered on.
5. Operating the Smart Card Reader
5.1 Inserting a Smart Card
Gently insert your smart card (e.g., bank card, ID card, SIM card) into the designated slot on the reader with the chip facing upwards and towards the reader. Ensure it is fully seated.

5.2 Card Recognition
Once the card is correctly inserted, the blue LED light on the reader will illuminate, indicating that the card is being read. Your computer's operating system or specific application software should now recognize the card.
5.3 Using with Applications
The functionality of the smart card reader depends on the application you are using. Follow the instructions provided by your specific software (e.g., banking software, tax reporting software, digital signature tools) to perform desired operations.


6. Supported Applications
The UTHAI XJF-605 Smart Card Reader supports a wide range of applications, including but not limited to:
- Self/interbank transfers
- Changing passwords
- Checking account balances
- Credit card bill payment / cash card payment
- Tax payment / water fee payment
- Telecom bill payment
- Querying pension accounts using labor security cards
- Online banking digital signatures (e.g., ActivClient, AKO, OWA, DKO, JKO, NKO, BOL, GKO, Marinenet, AF Portal, Pure Edge Viewer, ApproveIt, DCO, DTS, LPS, Disa Enterprise Email)

7. Maintenance
7.1 Cleaning
To clean the smart card reader, gently wipe the exterior with a soft, dry cloth. Do not use liquid cleaners or abrasive materials, as these can damage the device. Avoid getting moisture into the card slot or USB port.
7.2 Storage
Store the reader in a cool, dry place away from direct sunlight and extreme temperatures. When not in use, it is recommended to disconnect it from your computer.
8. Troubleshooting
- Reader not recognized: Ensure the USB cable is securely connected to both the reader and your computer. Try a different USB port. Reinstall drivers from the provided CD or manufacturer's website.
- Card not recognized: Ensure the card is inserted correctly with the chip facing up and fully seated. Clean the card's chip with a soft, dry cloth.
- LED indicators not lighting up: Check the USB connection. If the red power light is off, the device is not receiving power.
- Incompatibility with Windows 11: Some users have reported detection errors and incompatibility with Windows 11. While the product officially supports up to Windows 10, this may be a limitation for newer OS versions.
- Issues with specific cards (e.g., Java cards, some bank/ID cards): Some users have reported that certain cards, particularly Java cards or specific bank/ID cards, may not be read correctly or may have issues with CCID functionality. The device is designed to support a broad range of smart cards, but specific card types or regional variations might encounter limitations.
- Unstable recognition: If recognition is intermittent, ensure the cable connection is stable and try restarting the application or computer.
- Software CD issues: If the CD is unreadable or your computer lacks a drive, seek drivers online.
9. User Tips
- For Windows 10 users, the reader often works immediately without needing to install drivers.
- The reader can be used with Android phones/tablets that support USB OTG and have a Type-C port (using the provided adapter), allowing direct reading of cards on mobile devices.
- The included cable is detachable, offering flexibility.
- If you encounter issues, ensure you are using the latest drivers, even if the device is plug-and-play.
- Keep the software CD in a safe place for future driver installations or troubleshooting.
10. Frequently Asked Questions
Q: Is this a payment device?
A: The UTHAI XJF-605 Smart Card Reader can be used for various financial transactions, including credit card bill payments and interbank transfers, when used with compatible banking software. It facilitates secure communication between your smart card and your computer for such purposes.
Q: Is it compatible with Android phones?
A: Yes, the reader is compatible with Android phones that support USB OTG (On-The-Go) functionality and have a Type-C port. You can use the included USB-C adapter to connect it to your Android device.
Q: What if the instructions on the CD are unclear or my computer doesn't have a CD drive?
A: If the instructions on the CD are not sufficient or you cannot use the CD, please refer to the manufacturer's support website for updated drivers and digital manuals. You may also find community forums helpful for specific operating system configurations.
11. Warranty and Support
11.1 Warranty
This product comes with a 1-year warranty from the date of purchase. Please retain your proof of purchase for warranty claims.
11.2 Technical Support
For technical assistance or further inquiries, please contact the seller or refer to the official UTHAI support channels. Details can typically be found on the product packaging or the seller's store page.
User manual PDF: Download PDF