LINK Scheme


About the scheme:

LINK is the UK's largest cash machine network. Effectively every cash machine in the UK is connected to LINK, and LINK is the only way banks and building societies can offer their customers access to cash across the whole of the UK. All the UK's main debit and ATM card issuers are LINK Members.

The LINK Network is a fundamental part of the UK's payments infrastructure and cash machines are by far the most popular channel for cash withdrawal in the UK, used by millions of consumers every week. The total value of LINK cash withdrawals can exceed £10 billion per month and at its busiest, LINK processes over 22,000 transactions a minute.

LINK is committed to maintaining free access to cash across the UK for a long as consumers need it. This includes maintaining the coverage of free-to-use ATMs in the most remote and rural locations as well as improving free access in the most deprived areas of the UK.

Key services:

Access to cash (and associated services) via a network of cash machines.

What the scheme does:

  • The LINK Scheme provides the operational service and contractual certainty which connect card issuers and cash machine operators together to enable card holders to access their cash.  LINK membership consists of the UK’s main debit and cash machine card issuers (predominantly banks and building societies) and also cash machine operators (banks, building societies and independent organisations).
  • There are over 100 million LINK enabled cards in circulation and nearly all of the UK’s 62,000 cash machines are LINK enabled, almost 49,000 of these ATMs are free-to-use.
  • LINK is not involved with cash machine withdrawal made by a card holder at their own bank or building society (about 30% of total consumer cash withdrawals).

Further information about the scheme and access criteria can be found on their website:


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