LINK - the UK ATM network

About the LINK network

LINK is the UK's cash machine (ATM) network and the busiest ATM transaction switch in the world. At peak, the LINK switch processes almost 1 million transactions per hour.

There are over 100 million UK LINK-enabled cards in circulation. Over 70,000 cash machines are connected to the LINK network - effectively every ATM in the UK.

The LINK network is a fundamental part of the UK's payments infrastructure and cash machines are by far the most popular channel for cash withdrawal in the UK, used by millions of consumers every week.

The number of cash machines connected to the LINK network, transaction volumes, and the value of cash withdrawn from ATMs have all grown rapidly since the launch of LINK in 1986. (See LINK statistics).

For a detailed downloadable guide to LINK, please click here

LINK’s role

LINK supports access to cash.  It sets the rules for ATM operators who want their cash machines to be part of the UK ATM network or card issuers who want their cardholders to be able to use the UK ATM network.

Almost every cash machine in the UK, both free-to-use and pay-to-use, is connected to LINK, giving cardholders nationwide access to cash that is not achievable without joining LINK.

Link Scheme Holdings Ltd is the operator of the LINK system as set out in the Financial Services (Banking Reform) Act 2013. LINK is recognised as an inter-bank payment system under section 184 of the Banking Act 2009, bringing LINK into the scope of the Bank of England's supervisory regime.  LINK is an SCF-compliant scheme.