What CashZone does

CashZone is a UK-based ATM operator and a trading brand of Cardtronics UK Limited, a subsidiary of NCR Atleos, the world's largest ATM operator. The company owns and operates a fleet of over 15,000 independent ATMs placed in retail outlets including supermarkets, convenience stores, petrol forecourts, train stations, and leisure venues, providing cash withdrawals, balance enquiries, PIN changes, and (at deposit-capable machines) cash deposits for consumers and bank customers across all UK postcodes from city centres to rural villages. The network accounts for over one-third of UK cash machines and is supported by NCR Atleos's global infrastructure of 285,000 ATMs across 12 countries and 2.6 billion annual transactions.

The product set extends beyond cash withdrawal to include Pin4 Cash, an SMS-based cardless disbursement service enabling businesses, charities, and government agencies to deliver cash to recipients at Cashzone ATMs without a bank account or card; ATM-as-a-Service, a turnkey managed offering for banks seeking to offload ATM estate ownership; and deposit-capable ATMs deployed in partnership with Cash Access UK, a consortium of nine UK banks, to sustain community cash access as bank branches close. CashZone serves three primary customer segments: individual bank consumers transacting at retail ATMs, retailers hosting machines to drive footfall and earn commission, and banks outsourcing ATM operations. Revenue is generated primarily through transaction-based interchange (LINK) and consumer surcharges, retailer commission, Pin4 Cash per-transaction fees, and managed-service contracts with financial institutions. The core technology stack is NCR Atleos ATM hardware and software, with Pin4 providing the cardless disbursement capability via SMS and PIN authentication.

Name

CashZone

Legal name

Cardtronics UK Limited

Website

https://cashzone.co.uk

Company type

Private

Founded year

2003

Operating status

Operating

Short description

CashZone is a UK ATM operator operating 15,000+ ATMs in retail outlets, part of NCR Atleos, providing cash withdrawals, deposits, and cardless disbursement services to consumers, retailers, and banks.

Ownership category

akta.pro rank

Product category

ATM Services / Cash Access Services

NAICS

Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

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

akta.pro secondary industries

Cash Access & Cardless ATM Withdrawal Services (FSAMAOAJ), ATM / Cash Access Network Schemes (FSAMAAAH), Retail Cash Deposit & Smart Safe / Cash Recycling Solutions (FSAMAOAG)

Keywords

• Independent ATM operator
• ATM-as-a-Service
• Cardless cash withdrawal
• Retail ATM placement
• Cash access services

Headquarters

HQ city

Hatfield

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ATM Transaction Fees: Fees charged to consumers for ATM withdrawals at pay-to-use machines. Most machines are free-to-use; some charge a small fee to remain sustainable as LINK fees have been reduced
2. Retailer Commission: Revenue share arrangement with retail partners who host Cashzone ATMs. Retailers receive commission for providing ATM location and footfall
3. Pin4 Cash Transaction Fees: Pay-as-you-go pricing for cardless cash disbursement service used by businesses, charities, and government agencies to send cash to recipients
4. Bank and Financial Institution Services: ATM-as-a-Service providing end-to-end services for banks looking to remove the burden of owning and operating ATM estates, including hardware, software, transaction processing, cash management and engineering services

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Cashzone operates the UK's largest independent ATM network of 15,000+ cash machines placed in retail outlets, providing cash withdrawals, balance enquiries, PIN changes, and cash deposits (via LINK Debit card) to consumers. It also sells ATM-as-a-Service to banks (full hardware, software, transaction processing, cash management and engineering outsourcing) and offers the Pin4 Cash cardless cash disbursement solution for businesses, charities, and government agencies to send cash via SMS for collection at Cashzone ATMs.

Product overview

Cashzone is the UK's leading ATM operator, offering a unified network of over 15,000 ATMs across retail outlets. The core product is the Cashzone ATM Network, supplemented by Pin4 Cash (a cardless cash solution for sending money via SMS), ATM Deposit Services (enabling cash deposits via LINK Debit cards), and ATM-as-a-Service (a turnkey solution for banks). These products work together to provide comprehensive access to cash services for consumers, businesses, and financial institutions.

Differentiator

Problem solved

Functional benefit

Brands

• Pin4 Cash: Award-winning cardless cash solution that allows businesses, charities and government agencies to send cash to recipients for immediate collection at a participating Cashzone ATM.

Products and services

• Cashzone ATM Network Core ATM network of over 15,000 machines in retail outlets across the UK, providing cash withdrawals, balance enquiries, PIN change, and (at deposit-capable locations) cash deposits to consumers via LINK Debit and other major card schemes.
• Pin4 Cash Award-winning cardless cash disbursement solution that enables businesses, charities, and government agencies to send cash to recipients via SMS text message for immediate collection at Pin4-enabled Cashzone ATMs using PIN authentication, with no bank account or card required by the recipient.
• ATM Deposit Services Deposit-capable ATMs that enable customers to deposit cash into their bank accounts using a LINK Debit card, with near-instant account crediting and printed receipts.
• ATM-as-a-Service Turnkey end-to-end managed ATM service for banks and financial institutions, covering hardware, software, transaction processing, cash management, and engineering services so clients can divest the capital and operational burden of owning and operating their own ATM estates.

Quantifiable outcome

• 2.6 billion transactions processed annually across global network
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Pin4coreTechnology or IntegrationCashzone has partnered with Pin4 to enable sending entities (businesses, charities, government agencies) to deliver cash safely and securely to recipients for collection at Pin4-enabled Cashzone ATMs. Pin4 powers the SMS-based cardless cash withdrawal system.
• Cash Access UKcoreStrategic or Co-development PartnerCashzone works with Cash Access UK (formed by nine UK banks) as part of the Access to Cash initiative to deploy new deposit-capable ATMs in key locations around the UK. This partnership ensures communities continue to have convenient access to cash withdrawals and deposits as bank branches close.
• NCR AtleoscoreOthersCashzone is part of NCR Atleos, the world's largest ATM operator. NCR Atleos provides Cashzone with hardware, software, transaction processing capabilities, and operational expertise. Cashzone operates as the UK-facing brand for NCR Atleos in the British market.
• LINKminorOthersLINK is the UK ATM network that sets interchange fees paid by card issuers to ATM operators. LINK fee reductions have impacted Cashzone's ability to maintain free-to-use ATMs, leading to fees at some locations.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Post Office (Banking Hubs):
• NCR Atleos: NCR Atleos is Cashzone's parent company and the world's largest ATM operator (285,000 ATMs across 12 countries). It is the broad incumbent in ATM hardware, software, transaction processing, and managed services, providing the platform and scale behind Cashzone's UK operations.

Direct peers

• NoteMachine: NoteMachine is a UK-based independent ATM operator placing cash machines in convenience stores, pubs, and other retail venues. It directly competes with Cashzone in the UK independent ATM segment with comparable retailer-host model and free-to-use / fee-based pricing.
• YourCash: YourCash is a UK independent ATM deployer serving retail locations, offering cash access and ATM-as-a-Service solutions. It competes head-to-head with Cashzone for retailer placements and bank managed-services contracts in the UK.
• ATM Solutions (Automated Financial): Automated Financial provides independent ATM placement and managed services in UK retail locations. It directly competes with Cashzone for retailer host partnerships and offers comparable free-to-use / surcharge cash machine placements.

Others

• LINK: LINK is the UK's ATM network operator that sets interchange fees paid by card issuers to ATM deployers. LINK is a critical network/ecosystem participant for Cashzone, as LINK fee levels directly determine Cashzone's unit economics on free-to-use ATMs.
• Brink's (UK Cash Logistics): Brink's provides cash-in-transit, cash management, and ATM servicing in the UK. It is an ecosystem participant/supplier to ATM operators like Cashzone, providing CIT services that are essential to ATM uptime and cash availability.
• Loomis (UK Cash Logistics): Loomis is a global cash handling, cash-in-transit, and ATM-servicing provider with UK operations. As a CIT/servicing supplier, it is adjacent to Cashzone's operations and a comparable ecosystem participant for ATM cash management.
• Cash Access UK: Cash Access UK is a not-for-profit consortium formed by nine major UK banks to protect access to cash. It is both a customer/partner of Cashzone (deploying deposit-capable ATMs) and a shaper of UK cash-access policy, with implicit influence on Cashzone's market structure.

Emerging players

• PayPoint: PayPoint provides retail-based payment and banking services in the UK (bill payments, top-ups, parcels, and cash services at convenience stores). It is an adjacent/emerging peer in the UK retail cash-and-payments ecosystem and an alternative channel for consumer cash access.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 CashZone