What Automatia does

Automatia (legal entity Loomis Automatia Oy) is Finland's largest independent ATM-network operator, running a nationwide fleet of more than 1,500 cash machines under three registered brands: Otto (cash withdrawal, balance inquiry, mobile top-up, donations), TalletusOtto (cash deposit to bank accounts, including coin-accepting variants), and ValuuttaOtto (foreign-currency exchange dispensing USD, GBP, THB, JPY, SEK, NOK, PLN, TRY, DKK to travelers). Headquartered in Vantaa, the company operates within Loomis Suomi Oy's broader 400-person Finnish organization across 10 locations, and was wholly acquired by Sweden-listed Loomis AB on December 2, 2020 from previous owners Danske Bank, Nordea, and OP Financial Group. The technical stack consists of proprietary ATM hardware and software with green chip-card readers (rolled out from 2022), accessibility features (low-height interfaces, voice guidance), and an online ATM locator with real-time status; integrations are limited to consent, bot-detection, and standard web tooling.

Revenue is generated through three transaction-based streams: per-transaction fees charged to foreign-card users at Otto ATMs, foreign-currency exchange margins on ValuuttaOtto dispensations across 28 machines in 13 cities, and bank partnership fees paid by seven Finnish banks (Nordea, OP Group, Danske Bank, Aktia, POP Banks, Savings Banks, S-Bank) whose cards are accepted across the network. Finnish bank-card holders themselves are not charged at Otto ATMs. The go-to-market is channel-driven: distribution is anchored by long-standing host partnerships with S-Group (hundreds of retail locations, with ~500 former Nosto ATMs replaced since May 2024), K-Citymarket (14 cities), and Finavia airports (Helsinki, Oulu, Rovaniemi, Turku), plus a mobile Otto-auto service for events. CEO Marko Kolehmainen leads the company, which has no disclosed revenue or external funding events — operations are funded within the publicly-listed Loomis AB group.

Name

Automatia

Legal name

Loomis Automatia Oy

Website

https://otto.fi

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Automatia (Loomis Automatia Oy) operates Finland's largest independent ATM network of 1,500+ machines under the Otto, TalletusOtto, and ValuuttaOtto brands, serving Finnish bank-card customers, foreign-card travelers, and bank and retail partners across Finland.

Ownership category

akta.pro rank

Product category

ATM Services

akta.pro primary industry

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

Keywords

• ATM services
• Cash withdrawal services
• Foreign currency exchange
• Cash deposit services
• ATM network management

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. ATM Transaction Fees: Fees charged to foreign card users for cash withdrawals. International card users pay a direct fee to the ATM operator for using the service.
2. Foreign Currency Exchange (ValuuttaOtto): Revenue generated from currency exchange margins when dispensing foreign currencies (USD, GBP, THB, JPY, SEK, NOK, PLN, TRY, DKK) to travelers at ValuuttaOtto ATMs.
3. Bank Partnership Fees: Fees paid by partner banks (Nordea, OP, Danske Bank, Aktia, POP Banks, Savings Banks, S-Bank) for ATM network access and transaction processing services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Automatia (Loomis Automatia Oy) operates Finland's largest independent ATM network, comprising more than 1,500 machines nationwide under three service brands: Otto (cash withdrawal), TalletusOtto (cash deposit to bank accounts), and ValuuttaOtto (foreign currency exchange). The company delivers know-how and operational experience in ATM services and digital payment systems to banks, retailers, and end consumers across Finland.

Differentiator

Problem solved

Functional benefit

Brands

• Otto: Cash withdrawal ATM service providing cash, balance inquiry, and account information
• TalletusOtto
• ValuuttaOtto

Products and services

• Otto (Cash Withdrawal ATM) Nationwide ATM service enabling cash withdrawal, balance inquiry, and account information for holders of Finnish bank cards (Nordea, OP, Danske Bank, Aktia, POP Banks, Savings Banks, S-Bank). Includes optional mobile phone top-up and donation feature at withdrawal.
• TalletusOtto (Cash Deposit ATM) ATM service enabling cash deposit (banknotes, and at some machines coins) directly to bank accounts in real time. Available to cardholders of Nordea, OP Group, Danske Bank, Aktia, Savings Banks, POP Banks, and S-Bank. Maximum single deposit of 100 banknotes or €5,000.
• ValuuttaOtto (Foreign Currency Exchange ATM) Foreign currency exchange ATM service providing travel currencies (USD, GBP, THB, JPY, SEK, NOK, PLN, TRY, DKK) to travelers at competitive rates. Network of 28 machines spanning 13 Finnish cities including airports, shopping centers, and K-Citymarket stores.
• Otto-auto (Mobile ATM Service) Mobile ATM and cash-in-transit container service for event organizers, festival managers, and market operators requiring on-site cash availability and secure overnight cash storage.

Quantifiable outcome

• Over 1,500 ATMs nationwide covering 10 cities
• +2 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• S-Bank (S-Pankki)coreChannel Partner/ Reseller/ Distributor · 5 March 2026S-Bank added to TalletusOtto deposit service from March 5, 2026. S-Bank Visa Debit and combined card Debit feature users can now deposit cash at TalletusOtto ATMs.
• S-Group (S-ryhmä)coreChannel Partner/ Reseller/ Distributor · 1 May 2024Major strategic partnership to expand Otto and TalletusOtto ATM network by hundreds of machines in S-Group retail locations nationwide. S-Group previously operated ~500 Nosto ATMs being replaced with Loomis Automatia machines, bringing total network to ~1,500 ATMs.
• Loomis AB (Parent Company)coreOthers · 2 December 2020Loomis AB acquired all shares in Automatia Pankkiautomaatit Oy from previous owners Danske Bank, Nordea, and OP Financial Group. Transaction completed December 2, 2020, approved by Finnish competition authorities.
• NordeacoreChannel Partner/ Reseller/ DistributorMajor Finnish bank whose cards are accepted at all Otto, TalletusOtto, and ValuuttaOtto ATMs. Supports cash withdrawal, deposit, mobile top-up, and other services.
• OP Group (OP Ryhmä)coreChannel Partner/ Reseller/ DistributorLargest Finnish banking group whose cards are accepted at all Otto, TalletusOtto, and ValuuttaOtto ATMs. Supports cash withdrawal, deposit, mobile top-up, and other services.
• Danske BankcoreChannel Partner/ Reseller/ DistributorFinnish bank whose cards are accepted at Otto, TalletusOtto, and ValuuttaOtto ATMs. Previously co-owner of Automatia before acquisition by Loomis.
• AktiaminorChannel Partner/ Reseller/ DistributorFinnish bank whose cards are accepted at Otto, TalletusOtto, and ValuuttaOtto ATMs.
• POP Banks (POP-pankit)minorChannel Partner/ Reseller/ DistributorCooperative bank group whose cards are accepted at Otto, TalletusOtto, and ValuuttaOtto ATMs.
• Savings Banks (Säästöpankit)minorChannel Partner/ Reseller/ DistributorSavings bank group including Oma Säästöpankki whose cards are accepted at Otto, TalletusOtto, and ValuuttaOtto ATMs.
• FinaviacoreChannel Partner/ Reseller/ DistributorFinnish airport operator with Otto and ValuuttaOtto ATMs installed at Helsinki, Oulu, Rovaniemi, and Turku airports serving travelers.
• K-CitymarketcoreChannel Partner/ Reseller/ DistributorRetail chain hosting ValuuttaOtto and TalletusOtto ATMs at stores across 14 Finnish cities including Espoo, Helsinki, Hämeenlinna, Jyväskylä, Kuopio, Lahti, Lappeenranta, Mikkeli, Oulu, Rovaniemi, Tampere, Tornio, and Turku.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Diebold Nixdorf: Leading ATM manufacturer and managed-services provider globally. Comparable in the broader ATM value chain as a major incumbent whose hardware and managed-services business touches Automatia's operating model, though Diebold primarily sells/manages rather than deploys proprietary networks.
• Brink's Company: Global cash management, secure logistics and ATM services provider. Comparable as an established incumbent offering end-to-end cash-cycle services including ATM outsourcing for banks in multiple geographies, broader and more diversified than Automatia's Finnish focus.
• Prosegur Cash: Spain-based multinational cash-in-transit and ATM services operator across Iberia and Latin America. Comparable as a broader incumbent in outsourced cash handling and ATM management for banks, with similar operational skill sets even if geography does not overlap Finland.

Direct peers

• NoteMachine: UK-based independent ATM operator deploying free-to-use and surcharge ATMs. Comparable to Automatia as a regional ATM IAD running transaction-fee economics with bank card acceptance across retail and convenience-store locations.
• NCR Atleos (formerly Cardtronics): Largest independent ATM network operator in the US and UK with international expansion. Directly comparable in managing thousands of branded ATMs for banks and merchants, banking-as-a-service for cash access, and transaction-fee revenue model.
• YourCash Europe: Independent ATM deployer serving the UK, Ireland and continental Europe with thousands of surcharge ATMs in retail locations. Operates a similar business model to Automatia: third-party ATM ownership, surcharge fees, and convenience-store/retail site partnerships.
• Euronet Worldwide: Global ATM deployer and payments processor with owned ATM networks across Europe. Comparable to Automatia in operating third-party ATM estate, charging direct surcharges to foreign cardholders, and serving as an outsourced cash-access provider for retailers and banks.

Regional players

• Bankomat AB: Swedish ATM network serving Swedish bank customers with cash access. Closest Nordic geographic peer to Automatia, operating a similar bank-consortium-style ATM infrastructure for Swedish cardholders, offering a direct regional comparable in the Nordics.
• Zephirus (formerly Hoist Finance Cash): Specialised cash and ATM services provider operating in Nordic and Baltic markets. Comparable as a regional European ATM deployer with similar bank-card acceptance and surcharge economics, sitting in adjacent Nordic geographies.

Others

• Loomis AB: Swedish parent company of Automatia providing cash handling and ATM services across 28 countries. While the direct corporate owner, it is comparable as a wider cash-services and ATM operating peer group, and the parent likely consolidates Automatia within its reported ATM-services segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights8 records

Customer concentration

• LinkedInlinkedin.com/company/automatia-pankkiautomaatit-oy

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Automatia