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Where's my nearest LINK cash machine?
LINK holds a database of every ATM location in the UK. We provide an ATM Locator on this site which can be searched by anyone wanting to know where their nearest machine is situated. Simply type in a place, postcode or London street name and a map, directions and distance to your nearest 10 machines will be displayed.

Click here to use our ATM Locator...

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Where can I use my LINK cash card?
There are currently over LINK-enabled cards in circulation and cardholders can withdraw cash and obtain balance enquiries from any ATM that displays the familiar LINK logo (almost every machine in the country).

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Can I use my LINK card abroad?
Although LINK is a UK-only ATM network, connections can be provided to the international VISA and Mastercard networks, meaning that some LINK-enabled debit cards can also be used in certain overseas cash machines. However, it all depends on the organisation that issued the card and whether they choose to utilise these connections.

More about using cash machines overseas ....

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What about charges at cash machines?
All decisions regarding charges to customers rest solely with the individual Members of the LINK network - the Banks, Building Societies and Independent deployers - not LINK itself. Virtually all branch-based cash machines deployed by Bank and Building Society Members of the network remain charge-free for consumers and no LINK Member charges customers for using another Member's ATM to withdraw cash from their accounts. Where charges do apply - for 'convenience' ATMs which can be provided in locations where an ATM cannot otherwise be justified - customers are always notified at the ATM at the time of the transaction and given the option to cancel without charge.

More about Charging at Cash Machines...

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What should I do if something went wrong with my transaction at the ATM?
In the event that :

- you do not receive your funds,
- you do not receive the correct amount from the cash machine,
- your card is captured by the cash machine,

then you will need to contact your card issuer - i.e. your bank or building society. LINK does not issue any cards.

Please have the details of the transaction to hand, i.e. the date, the time, location and the name of the ATM owner. Your card issuer will then raise the issue with the ATM owner on your behalf. If you are unsure about the details of the cash machine used, our ATM Locator may be of help.

Click here to find each LINK Member's website

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What does the LINK ATM Network Do?
The LINK ATM network is the most popular cash withdrawal channel in the UK. The ATM network enables the cash machines deployed by different banks, building societies and independent deployers to share cash acquisition transactions. The key operating principle of the LINK network is that "Any LINK-enabled card may be used in any LINK-branded machine." LINK operates 24 hours a day, 7 days a week, 365 days a year and is a fully on-line network; all transactions are authorised in real-time. The distinctive red and blue LINK logo is recognised by an amazing 92% of UK adults!

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How was LINK created?
LINK was formed in the mid 1980s to allow the smaller banks and building societies to compete against the cash machine networks of the larger banks. Using the concept of a central switch (unlike the big bank sharing arrangements) the LINK network was able to grow quickly and rival the bank sharing arrangements in size. By 1998, all the major UK banks and building societies operating in the money transmission areas had become network Members, enabling their ATMs to be shared by the other Members of the network.  In 2007 the LINK ATM Scheme became separate from the LINK Company, a commercial entity offering ATM switching among other services.  In July 2007 LINK Company, LINK Interchange Network Ltd merged with Voca to create VocaLink.  VocaLink provides the technical, commercial and settlement services which make ATM sharing possible on the scale seen today. www.vocalink.co.uk.

Click here to see the full list of LINK network Members...

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Who are the LINK Members?
LINK network Members are Banks, Building Societies, card issuing companies and independent ATM deployers. Most LINK Members are both card issuers and ATM acquirers but some are ATM acquiring only (eg. the independent ATM deployers) and others are card issuing only (eg. storecard companies that wish to provide an ATM service for their cardholders).

More about LINK Members...

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How do organisations become a Member of the LINK Network?
Membership of the LINK network is open to financial institutions and commercial organisations that meet the required minimum criteria.

More about LINK network Membership...

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What does LINK membership mean?
Members of the LINK Scheme accept obligations and responsibility to fulfil the Scheme membership requirements, for example to treat cardholder data securely, to display any charges to customers in a transparent manner, to accept all LINK cards at their cash machines (ATMs), or to provide information on sterling account balances and to allow cash withdrawals with a LINK card from any LINK ATM regardless of which LINK Member operates the ATM.

While LINK Scheme Rules require card-issuing Members to demonstrate their creditworthiness, and require ATM-operating Members to demonstrate that they can securely handle customer data, neither the LINK ATM Scheme nor LINK Interchange Network Ltd accepts any liability nor offers any guarantee nor any indemnity in respect of any funds owed by any LINK Scheme Member to another Member or owed by a LINK Scheme Member to any other entity or individual with which it may do business.

Should a Member become unable to discharge its obligations to other Members, or its debts to any other entity or individual, then each of those other Members, entities and individuals will be responsible for bearing any loss that they suffer. 

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What about the Future for the ATM Channel?
75% of all cash acquired in the UK is already withdrawn from ATMs, and of these, over 60% are shared, i.e. they pass through the LINK central switch. Although switching ATM transactions remains its primary focus of attention, LINK is seeking to gain a foothold in the broader financial payment systems market to ensure our future success.

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If you have a complaint about the ATM itself, for example, signage, security or the machine itself was not working, then you can contact the LINK Member responsible for the machine. Their name will be clearly displayed on the ATM and there is a link to each Member's website.

Alternatively, you can let us know using Contact Us above; we will always follow up comments with individual LINK Members.

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