LINK / What we do for our members

What we do for our members

Connecting Cash Machines

We connect virtually every cash machine in the UK to over 100 million UK issued LINK-enabled cards.

Robust & Resilient

We operate a robust and resilient network, regulated by the Bank of England and the Payment Systems Regulator. We are supervised by the Financial Conduct Authority for Coordination Body activity.

Not-for-profit

Our not-for-profit structure means we can keep costs and fees to a minimum.

Free-to-use and pay-to-use

We allow both free-to-use and pay-to-use transactions on our networks, and provide financial inclusion subsidies to support free-to-use machines in certain areas.

Effective statistical information

Members benefit from detailed statistical information to help them manage their business effectively. We also provide a free near real-time Transaction Enquiry System to help manage customer queries quickly and effectively.

Fraud prevention

We know how important fraud prevention is, so detection and alert services are part of our core service.

LINK is the UK’s cash machine network. We connect virtually every cash machine in the UK to over 100 million UK issues LINK-enabled cards. We also run a cashback without purchase service, enabling cash withdrawals and balance enquiries at participating retailers’ tills.

Any ATM operator wanting to deploy cash machines or counter terminals in the UK to acquire transactions from those LINK-enabled cards must join LINK as a member.

We are a key part of the UK’s financial services infrastructure. We work alongside Bacs Payment Schemes Limited, CHAPS, Cheque and Credit Clearing Company and Faster Payments to ensure efficient payments for people in the UK.

We allow both free-to-use and pay-to-use transactions on our networks, with free-to-use machines being funded directly by card issuing banks and building societies.

Our interchange fees are:

Transaction	Rate (Effective from 1st January 2024)	Protected Rate (ATM Only) (Effective from 1st January 2024)
Branch cash withdrawal	24.4p	27.4p
Branch non-cash (e.g. balance enquiry, declined cash withdrawal)	12.6p	13.9p
Remote cash withdrawal	26.5p	30.5p
Remote non-cash (e.g. balance enquiry, decline cash withdrawal)	16.8p	18.7p

An ATM or Counter Terminal may be eligible for additional premiums depending on certain factors such as location and transactions volumes. These premiums are displayed below:

Average Number of Monthly Cash Withdrawals	Premium per Cash Withdrawal
0 - 199	£2.75
200 - 399	£0.81
400 - 599	£0.43
600 - 1500	£0.30
1501 - 3000	£0.20
3001 - 4500	£0.10
4501+	£0.00

Details of our Financial Inclusion Programme and how interchange supports this can be found here.

LINK Interchange Report 2024

July 2024

Learn more about membership

If you are interested in joining LINK as a member, read more here. You can also contact us here, and we'd be happy to discuss your options.