YourCash Europe

What YourCash Europe does

YourCash Europe operates a Merchant Fill ATM business under the Euronet Worldwide (NASDAQ:EEFT) umbrella, with primary operations in the United Kingdom and the Netherlands via YourCash Ltd. and EFT Services Holding B.V. The company's distinguishing technology is the Merchant Fill ATM model, in which merchants load the machine with their own daily cash takings, creating a closed-loop cash recirculation system that eliminates cash-in-transit costs and reduces merchant banking fees. YourCash offers a portfolio spanning compact Internal Lobby units (small enough to need no planning permission), Through-the-Wall installations for higher-traffic sites, and the ProNote 1.5F note checker required for DNB/ECB compliance in the Netherlands.

The business model is asset-heavy but merchant-friendly: ATM hardware, installation, training, maintenance, and 365-day customer service are provided at no charge to qualifying businesses, while revenue is generated from transaction fees (interchange on free-to-use transactions) processed through principal memberships in Visa, Mastercard, American Express, Diners, JCB, and UPI. The Merchant Fill architecture shifts cash logistics from the operator to the merchant in exchange for documented merchant outcomes — case studies report 15-20% footfall contribution, up to 90% banking-fee reduction (£3,400-£4,000+ annually per site), and basket spends of ~£16 versus a £6.39 industry average for ATM users.

Go-to-market is sales-led and direct: YourCash targets small and medium businesses across three explicit verticals — Retail (convenience stores, supermarkets, pharmacies), Travel (taxis, trains, buses, coaches), and Leisure (hotels, casinos, entertainment venues) — using website lead capture, case-study content, referrals, and a 365-day customer service team. The company is regulated as an electronic money institution via Euronet 360 Finance Limited (FCA FRN: 900009) and outsources management of 1,000+ ATMs in Belgium and the Netherlands to VocaLink under a three-year contract, indicating an operating model that can scale network management without proportional in-house headcount.

Name

YourCash Europe

Legal name

YourCash Ltd.

Website

https://yourcash.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

YourCash Europe is a Euronet Worldwide (NASDAQ:EEFT) brand that provides free Merchant Fill ATMs to small and medium retail, travel, and leisure businesses across the UK and Netherlands, earning revenue from card transaction fees while eliminating merchant banking charges through cash recirculation.

Ownership category

akta.pro rank

Product category

ATM Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

ATM Deployers & Managed ATM Services (IAD/ISO) (FSAMAOAC)

Keywords

• ATM services
• Cash withdrawal solutions
• Merchant cash management
• Payment processing
• ATM installation

Headquarters

HQ city

Milton Keynes

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Supply Chain, Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. ATM Transaction Fees: Revenue generated from transaction fees charged when customers use the ATM to withdraw cash. The company processes withdrawals through major card networks (Visa, Mastercard, LINK, etc.) and earns interchange fees.
2. Merchant Surcharge Fees (Historical): Previously, YourCash provided surcharge-based ATMs where merchants paid for ATM usage. The company has since converted to free-to-use ATMs in the majority of locations, which generally generates higher transaction volumes.
3. Cash Withdrawal Services: e360 (YourCash's UK entity) provides cash withdrawal services through membership in card schemes and payment networks on independently owned ATM networks, generating revenue from network fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

YourCash Europe provides free ATM installation and ongoing management for retail, travel, and leisure businesses using its proprietary Merchant Fill model, in which merchants fill ATMs with their own daily cash takings to recirculate cash on-site. The company operates an extensive estate of ATMs across the UK and Netherlands, earning revenue from transaction fees processed through Visa, Mastercard, and other major card networks under the FCA-regulated Euronet 360 Finance Limited entity.

Product overview

YourCash is a brand operating under Euronet Worldwide (NASDAQ:EEFT) that provides Merchant Fill ATM services across the UK and Netherlands. The core product is the Merchant Fill ATM, a self-service cash machine that allows merchants to load their daily cash earnings directly into the machine, reducing banking fees and enabling cash recirculation. The company offers sector-specific ATM solutions for Retail, Travel, and Leisure industries, with free installation, training, and maintenance. In the Netherlands, an ECB-approved Note Checker (ProNote 1.5F) is a required add-on for regulatory compliance with DNB and ECB requirements. The ATM fleet operates on international card networks including Visa, Mastercard, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Fill ATM A self-service ATM that merchants fill daily with their own cash takings from the till, enabling on-site cash recirculation and reducing cash deposit fees and banking costs for the host business. Offered to qualifying UK and Netherlands merchants with free installation, training, and ongoing support.
• Retail ATM Solutions ATM cash machines packaged for retail environments including convenience stores, newsagents, supermarkets, and pharmacies, designed with a compact lobby-style footprint to fit space-conscious venues. Free installation, training, and maintenance are provided to qualifying merchants.
• Travel ATM Solutions Cash withdrawal services and ATM placements for travel operators including taxis, trains, buses, coaches, and international travel services, providing travelers with backup cash access while on the move.
• Leisure ATM Solutions Flexible ATM cash machine services for leisure venues such as hotels, casinos, and entertainment venues, providing secure cash access during opening hours and supporting venue branding (e.g. custom-wrapped ATMs at Melkweg Amsterdam and Preston Palace).
• ProNote 1.5F Note Checker An ECB-approved note verification device supplied in the Netherlands to check banknote authenticity and quality before cash is loaded into YourCash ATMs, ensuring compliance with De Nederlandsche Bank (DNB) and European Central Bank (ECB) regulations on cash handling.

Quantifiable outcome

• 80% of ATM users revisit the site at least once a week
• +6 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and secondary.

• Euronet WorldwidecoreStrategic or Co-development PartnerYourCash is a brand of the Euronet Group (NASDAQ:EEFT), a leading financial technology solutions and payments provider. With 30 years of experience, Euronet moves money in all the ways the world depends upon. YourCash manages an extensive estate of ATMs across the UK and Netherlands under the Euronet umbrella.
• VocaLinkcoreTechnology or IntegrationVocaLink, the international payment systems provider, signed a three-year contract to manage YourCash's European ATM network of more than 1,000 machines in Belgium and Netherlands. VocaLink provides ATM management services including transaction processing and network operations.
• VisacoreTechnology or IntegrationYourCash is a principal member of international card associations including Visa. This enables processing of Visa card transactions at YourCash ATMs across the network.
• MastercardcoreTechnology or IntegrationYourCash is a principal member of international card associations including Mastercard. This enables processing of Mastercard transactions at YourCash ATMs.
• American Express, Diners, JCB, UPIsecondaryTechnology or IntegrationYourCash has arrangements with other card and payment networks including American Express, Diners, JCB, and UPI for transaction processing at ATMs.
• Financial Conduct Authority (FCA)coreOthersEuronet 360 Finance Limited (e360) is an authorised electronic money institution regulated by the FCA with FRN: 900009. This regulatory status enables YourCash to operate legally in the UK payment ecosystem.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PayPoint: UK-based payment services provider offering cash access, ATM, and bill payment services through a network of convenience retailers. Overlaps with YourCash in ATM placement at SMB retail sites in the UK.
• Cashzone: UK ATM operator providing free-to-use and surcharge cash machines to retail and leisure venues. Direct competitor offering similar free ATM placement services to SMB merchants in the same geographies.
• Cardtronics (now part of NCR Corporation): One of the world's largest independent ATM deployers and operators, serving retail, convenience, and financial institution locations. Directly comparable in business model (IAD/ISO managed ATM services), geographic footprint, and merchant-facing value proposition.
• NoteMachine: UK independent ATM operator deploying free-to-use and surcharge ATMs across convenience stores, pubs, and other SMB locations. Directly competes in the same UK retail merchant segment with a comparable free-installation model.

Broad incumbents

• Brink's: Global cash management, secure logistics, and ATM services provider. Operates in adjacent parts of the ATM value chain including cash-in-transit, ATM managed services, and merchant cash handling.
• Euronet Worldwide: Parent company of YourCash (NASDAQ:EEFT). Operates a global ATM estate under the REN, Euronet, and YourCash brands across the US, Europe, and Asia. Comparable at the corporate level but covers a far broader EFT and money transfer portfolio beyond ATM deployment.
• Loomis: Cash handling and ATM services provider operating across Europe and North America. Comparable through its ATM outsourcing and managed services offerings and broader cash-in-transit portfolio.
• G4S (now part of Allied Universal): Cash solutions division provides ATM management, cash-in-transit, and secure logistics services to banks and merchants across Europe. Comparable as a broader secure cash services incumbent with managed ATM operations.

Others

• LINK (UK ATM Scheme): Operator of the dominant UK cash machine network used to route transactions at YourCash and competitor ATMs. Adjacent infrastructure participant rather than a direct competitor, but a critical dependency for YourCash transaction economics.

Regional players

• Bank of Ireland ATM Network: Regional bank ATM deployer operating primarily in Ireland with a smaller UK cross-border presence. Comparable as a card-network-branded ATM operator competing for the same convenience merchant placement.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/yourcash
• Facebookfacebook.com/yourcash
• LinkedInlinkedin.com/company/yourcash

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about YourCash Europe