Most ATMs and withdrawals are free across the LINK network but some cash machines charge you to use them.

Charges at Cash Machines

Around 96% of UK cash withdrawals are free of charge and at the majority of cash machines in the UK there is no charge for cash withdrawals when using a debit card or ATM card.

You will only be charged if;

  • you have a credit card, store card or charge card or your card issuer charges a cash advance fee (this is very unusual), or
  • if you use a pay-to-use cash machine which imposes a charge

Fair Rules on Charging

The LINK network allows both free and charging ("pay-to-use") cash machines. Government and Parliament have recognised that charging as well as free machines can help to improve the public's access to cash and benefit local businesses.

LINK does not itself impose any charges on customers who use cash machines, and does not set the level of any fee charged. LINK does require all cash machine owners and card issuers to follow certain rules on charging. Our rules:

  • forbid double charging, so a bank fee and an ATM fee cannot be made on the same transaction;
  • require all pay-to-use ATMs to carry an on-screen message stating that the machine will charge you for cash, and what you will be charged;
  • require all pay-to-use ATMs to confirm the customer accepts¬†the¬†charge and offer the customer the option to cancel the transaction without incurring a penalty;
  • require pay-to-use ATMs to carry external signage stating that the machine will charge you for cash withdrawals;
  • require that when LINK members provide signage pointing towards pay-to-use ATMs, this must carry a notice saying that the machine will charge.

The LINK Scheme seeks to maintain and enforces these rules, including by undertaking regular surveys of ATM signage, but if you see a cash machine that does not comply with these rules, please contact us.

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