About the LINK Network

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

There are nearly 130 million LINK-enabled cards in circulation from 38 card issuing financial institutions. Over 61,000 ATMs 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The number of ATMs connected to the LINK network, transaction volumes, and the value of cash withdrawn from ATMs have all grown rapidly since the launch of the network in 1986 and this is expected to continue (see LINK statistics).

LINK’s Role
VocaLink provides the physical switch for these transactions while the LINK ATM Scheme sets the rules, practices and procedures.

The LINK ATM Scheme is open to every ATM operator and card issuer in the UK.

LINK does not install ATMs itself or make charges on the customers who use them.

The LINK ATM Scheme ensures universal, reliable and secure access to cash and maintains and enforces fair rules for technical standards, interchange, charging and signage.

The LINK ATM Scheme does not select suitable ATM locations and is neither for nor against ATM charges. These decisions are made by individual members.