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As of 2023, there were about 38,500 free to use cash machines and 11,000 cash machines that charge for withdrawals. Typically, around £1.6billion is withdrawn from LINK ATMs each week. The average withdrawal is around £82 and the average UK adult withdraws around £1,500. In the UK, around 90% of cash
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In 2021, following an agreement from the banking industry through the Access to Cash Action Group, any community facing the closure of a core cash service, such as a bank branch or ATM, has its needs independently assessed by LINK. In this role, LINK will then determine whether a new solution should
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LINK runs a financial inclusion programme to protect cash machines in some of the most remote and deprived areas of the UK. This was first designed and set up following work with the
Treasury Select Committee under the chairmanship of Lord McFall in 2006 and has developed and expanded since LINK has
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LINK’s financial inclusion programme works to subsidise the provision of free to use cash machines to ensure access to free to use ATMs in deprived areas. The subsidy is paid via an interchange premium of up to £2.75 from LINK and is available to deprived areas that do not have a free ATM within a
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be provided to meet that community's cash needs. LINK will commission services to meet the cash needs of the community as a whole. This process is also open to communities that have historically lost existing cash services.
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In
October 2019, LINK launched a scheme allowing any member of the public to request an ATM in their community. To date, more than 160 locations have benefited from a new free to use cash machine.
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committed to protecting the geographic spread of ATM provision and it established the LINK Consumer
Council to provide advice on consumer issues related to cash.
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The network connects around 48,500 cash machines, meaning virtually every single cash machine in the United
Kingdom is connected to LINK.
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is the UK’s main ATM network, which allows consumers to withdraw cash from ATMs which do not belong to their bank. It is the largest
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Over 3,400 priority areas across the country have benefited from new free to use ATMs as a result of this initiative.
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kilometre from the nearest free to use ATM. These subsidies cost around £1.5m each month.
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LINK is made up of 32 member organisations. These include high street banks (such as
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in United
Kingdom. It is a not-for profit organisation and is regulated by the
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This article is about the cash machine network. For the phone box network, see
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The CEO is John
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1278:1985 establishments in the United Kingdom
281:withdrawals are made from cash machines.
129:Learn how and when to remove this message
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65:Please improve this article by adding
409:"Battle to save remote cash machines"
78:"Link" British interbank network
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262:) and building societies (such as
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435:"Link Community Requests Scheme"
337:Euro Alliance of Payment Schemes
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459:UK Finance (21 December 2021).
274:and independent ATM operators.
1030:Armed Forces Financial Network
407:Simon Read (23 January 2019).
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461:"UK Finance News and Insight"
67:secondary or tertiary sources
990:European Payments Initiative
871:Allied Irish Banks Banklink
232:Financial Conduct Authority
187:; 39 years ago
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383:"Link Financial Inclusion"
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995:Single Euro Payments Area
433:LINK (16 November 2023).
381:LINK (16 November 2023).
355:LINK (16 November 2023).
268:Coventry Building Society
236:Payment Systems Regulator
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27:British interbank network
1025:Alberta Regional Network
965:(Bosnia and Herzegovina)
713:Dutch Bangla Bank Nexus
749:Saudi Payments Network
54:relies excessively on
755:Shetab Banking System
1091:Accel / The Exchange
901:Bankcard-Servicenetz
761:The Benefit Company
295:Financial Inclusion
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1268:Interbank networks
963:BH Mreža bankomata
529:Interbank networks
488:VocaLink Home page
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985:Euronet Worldwide
357:"Link Governance"
224:interbank network
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482:External links
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52:This article
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1196:Banco24Horas
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715:(Bangladesh)
606:(Bangladesh)
468:. Retrieved
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416:. Retrieved
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364:. Retrieved
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314:Banking hubs
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1208:A Toda Hora
1204:(Argentina)
1130:Cardtronics
918:Carte Bleue
813: [
801: [
789: [
776: [
727:(Sri Lanka)
694:(Hong Kong)
657:(Singapore)
627:ATM Bersama
623:(Indonesia)
470:21 December
444:16 November
392:16 November
366:16 November
272:Post Office
256:Lloyds Bank
1262:Categories
1210:(Colombia)
1101:First Data
953:(Portugal)
951:Multibanco
906:Cash Group
897:(Germany)
883:Bancontact
745:(Malaysia)
687:Nationlink
612:(Pakistan)
581:Multicaixa
465:UK Finance
418:23 January
343:References
264:Nationwide
89:newspapers
56:references
1220:GlobalNet
1216:(Uruguay)
1147:Interlink
1096:MoneyPass
959:(Finland)
924:KoronaPay
885:(Belgium)
873:(Ireland)
763:(Bahrain)
600:(Armenia)
537:Worldwide
531:by region
119:July 2014
18:Link (UK)
1246:Category
1198:(Brazil)
1135:Allpoint
1020:Acculink
980:Eufiserv
946:Vocalink
935:Sbercard
926:(Russia)
920:(France)
911:CashPool
895:Girocard
889:Currence
877:Bancomat
840:CashTree
826:Euronet
767:UnionPay
725:LankaPay
721:(Israel)
719:Isracard
583:(Angola)
413:BBC News
326:See also
286:Vocalink
266:and the
248:Barclays
1228:(Chile)
1226:Redbanc
1202:Banelco
1173:Oceania
1154:Presto!
1120:Interac
1000:TARGET2
879:(Italy)
835:Cashnet
830:(India)
782:(Japan)
769:(China)
676:BancNet
661:EZ-Link
650:ATM BNI
641:ATM BCA
577:(Egypt)
270:), the
260:NatWest
242:Network
200:Website
190: (
182:Founded
166:Members
103:scholar
1222:(Peru)
1214:Banred
1180:EFTPOS
1159:SHAZAM
1086:fiserv
1040:CarIFS
864:Europe
757:(Iran)
743:PayNet
646:Treats
568:Africa
549:Cirrus
177:48,500
105:
98:
91:
84:
76:
32:LinkUK
1164:Zelle
1143:Visa
1055:Pulse
957:Otto.
855:RuPay
828:BANCS
822:Yucho
817:]
805:]
798:LONGS
793:]
786:BANCS
780:]
736:CEFTS
731:SLIPS
708:JETCO
692:CHATS
666:MEPS+
637:PRIMA
610:1LINK
604:BEFTN
559:SWIFT
207:.link
110:JSTOR
96:books
1106:STAR
1074:NYCE
1060:TYME
940:Link
845:MITR
833:FIS
810:MICS
671:NETS
632:Link
621:ALTO
616:MNET
598:ArCa
591:Asia
554:Plus
472:2021
446:2023
439:LINK
420:2019
394:2023
387:LINK
368:2023
361:LINK
258:and
252:HSBC
234:and
220:LINK
192:1985
185:1985
174:ATMs
142:LINK
82:news
1125:NCR
1111:MAC
1079:SUM
1069:FIS
1035:ATH
930:Mir
850:NFS
773:ACS
703:FPS
698:EPS
682:ENS
655:atm
575:123
544:CLS
211:.uk
209:.co
205:www
58:to
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815:ja
803:ja
791:ja
778:ja
463:.
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Text is available under the Creative Commons Attribution-ShareAlike License. Additional terms may apply.
