How Much Do ATM Machines Cost in 2025?
Calculate ATM Machines Costs
Once you know the type of ATM you need, you can explore ATM machine prices. Here are some general estimates to help you begin:
- Used and Refurbished Base Models: Starting around $1,900
- Average Purchase Cost: Approximately $6,250
- New Wall-Mounted Machines: Between $6,800 and $12,500
- High-End ATMs: Up to $29,000
Cost For ATM Accessories
Besides the machine, consider the various accessories your ATM might need when calculating costs. Common ATM accessories and services include:
- Phone lines: $28 to $36 per month
- Cash Loading or Replenishing Services: $42 to $75 per month
- Additional Cash Cassettes: $100 to $510 each (average around $200)
- Receipt Paper: Varies in cost
- Advertising Toppers: $54 to $114 per machine
Parts and Replacement Costs for ATMs
Generally, ATMs require minimal maintenance. However, if repairs are needed, here are some typical costs:
- Locks – $53 for standard or $320 to $400 for deluxe versions
- Cash cassettes – Around $210 each
- Cassette dispensers – $800 to $1000 each
- Screens – $211 to $325 each
- Mainboards – $654 to $720 each
- Card readers – $279 to $425 each
- Modem boards – About $135 each
- Printer Assemblies – $600 to $706 each
- Keypad – $400 to $500 each
- Power Supplies – $301 to $500 each
- Wireless Boxes – $279 each
As you can see, the cost of an ATM can vary greatly based on your specific needs and choices.
ATM Features and Accessories
When considering ATM costs and options, exploring some of the machines’ lesser-known features and emerging options is useful. This is especially relevant as experts predict new uses for ATMs in the near future.
Alternative Services
CCurrently, ATMs primarily offer a few main functions:
- Cash withdrawals
- Cash deposits
- Checking account Balances
However, industry leaders say that many upcoming models will handle additional tasks such as:
- Loan Applications
- Lottery Ticket Sales
- Dispensing Multiple Currencies
Biometric Authentication
Improving the safety and security of ATMs is a top priority in the industry. Manufacturers are already testing biometric scanners, facial recognition, and other advanced security features.
Top ATM Brands and Models
Several reputable brands provide high-quality ATM machines for small businesses. Here are some top brands to consider:
- Diebold Nixdorf: A leading ATM provider with over 160 years in the industry, offering both standalone and wall-mounted models with advanced features like cash dispensing, check deposits, and bill payments.
- NCR Corporation: A global leader in ATM technology, known for reliable, secure, and user-friendly machines suitable for small businesses.
- Hyosung: A South Korean company offering sleek, feature-rich ATMs with high-security standards.
- Triton Systems: Known for quality, dependable, and affordable ATMs with features like cash dispensing, check deposits, and bill payments.
- GRG Banking: A Chinese company providing advanced, secure, and cost-effective ATMs for small businesses.
When selecting an ATM, consider the brand’s reputation, customer support, and the features offered. Additionally, compare prices and read reviews from other small business owners to ensure you make the best investment for your business.
Start Shopping
If an ATM seems like a good fit for you, but you want to understand the exact costs, check out our customized pricing guide to see what your specific ATM machine might cost.
You can also lease a machine. Leasing companies typically charge a transaction fee from users. Most will handle programming, delivery, installation, and maintenance at no extra cost for the duration of your lease while they collect the fees.
An Automated Teller Machine is a small terminal that allows easy cash or check deposits, balance checks, and fund withdrawals. ATMs are often quicker and simpler than visiting a bank to talk to a teller. Businesses can install ATMs on-site for the convenience of employees and customers.
Globally, there are over 40 ATMs for every 100,000 adults. Despite the rise of digital currencies, ATMs remain in demand and continue to be strong economic contributors.
ATMs Remain Increasingly Popular
In 2008, there were just over 27 ATMs per 100,000 adults worldwide, and this number has steadily increased.
Experts believe that ATMs have not yet reached full market saturation. A 2019 survey indicated that less than half of Americans think there are enough ATMs in the country.
Both consumer and banking trends are keeping ATMs popular. Advances in ATM technology and functionality are also creating new opportunities for these machines.
Legal trends support the need for cash machines. For instance, New York City passed a law in January requiring all retailers to accept cash as payment for goods and services.
The Many Benefits of Using Cash
Even with the growth of mobile payment options, more consumers are recognizing the advantages of using cash.
Financial experts highlight several advantages of using cash over credit cards or digital currencies, and consumers are agreeing. Regularly using cash offers:
- No credit or debit card fees
- No interest on purchases
- Reduced risk of identity theft
- Easier budgeting
- Greater privacy for purchases
- Ability to pay when card systems or power are down
- Savings for vendors
Additionally, cash use is linked to:
- Lower spending and better spending control
- Weight loss
- Improved math skills
- Lower overall debt
- Less money-related stress
- Increased savings
With so many benefits, it’s clear why cash remains important.
What Are the Benefits of Having an ATM on Your Property?
For businesses or site owners, having an ATM on your property offers several advantages, including increased traffic, higher sales, and lower costs.
Increased Traffic
Over 40 percent of ATM users visit an ATM between 8 and 10 times each month. On average, a single machine is used at least 300 times monthly, with high-performing machines reaching up to 6,400 uses per month.
These transactions bring more visitors to ATM locations. Customers who prefer cash are more likely to visit businesses with ATMs rather than those without.
Increased Sales
More traffic leads to higher sales. For example, ATM users in convenience stores typically spend 20 to 25 percent more than customers using other payment methods. This can result in significant revenue increases for businesses with on-site ATMs.
Reduced Costs and Errors
While banks can save money by installing ATMs, other businesses also benefit. ATMs handle more than just dispensing cash; they allow balance checks, deposits, cash recycling, and other automated tasks without extra labor costs. They also minimize the chance of human error.
These factors can lead to substantial savings for businesses that install ATMs.
More Safety for Employees
Handling cash can be risky, involving fraud, theft, and violent threats. ATMs take over these potentially dangerous tasks, protecting employees.
This creates a safer and more pleasant workplace and can also lead to financial benefits for employees through lower insurance rates and other bonuses.
Types of ATMs
Thinking about buying an ATM? You might be wondering, “How much does an ATM cost?” The truth is, it depends.
The type of ATM you choose will significantly affect its price.
Mounting Options
ATMs can be freestanding, countertop, or built-in.
- Freestanding ATMs: Large units usually need more than two square feet of floor space. Common in convenience stores, retail or restaurant chains, and gas stations.
- Countertop ATMs: Smaller machines that sit on counters in stores or stations with limited floor space.
- Built-In ATMs: Typically found in banks and financial institutions, these are installed directly into a wall and are among the most expensive models. They are also highly resistant to tampering and theft.
Connectivity Options
ATMs need an online connection. You can choose from dial-up, hard-wired, or wireless options.
- Dial-Up ATMs: Use traditional dial-up internet modems. They may be cheaper but are less ideal.
- Hard-Wired ATMs: Require a dedicated hard-wired phone line.
- Wireless ATMs: Don’t need a phone line or modem. They connect to your business’s Wi-Fi and process transactions that way, which can be cost-effective if you already have a good internet plan.
What to Look For In an Automatic Teller Machine:
- Placement: Decide if the machine will be inside or outside. Outdoor machines cost more due to better protection against theft and weather resistance. Ensure the installation site has an outlet and access to a phone line or internet connection (some newer ATMs have Wi-Fi).
- Cost and Liabilities: Buying an ATM might place full costs and liabilities on your business. Consider free ATM placement programs. Check if your ATM service provider offers free cash resupply and receipt paper, and ensure they have active customer support.
Additional Tips: Understand all services, including sales, processing, leasing, and rental options. Decide the machine’s location in advance and match it with the product’s size, including height, width, and length.
Sources: Smithsonian History of ATM, Wikipedia – ATM
ATM Machine Sample Costs
Here are some example prices for ATM machines to give you an idea of potential costs:
- Standard ATMs: $1,300 to $27,390.
- Freestanding ATMs: $3,700 to $8,350.
- Wall-Mounted ATMs: $6,500 to $11,500.
- Used ATMs: As low as $1,400.
- Freestanding ATMs with Full-Color Displays, 1,000 Note Cassettes, and Dial-Up Internet: $2,800 to $4,590.
- Wall-mounted ATMs with 2,000 Note Cassettes and Wireless Internet: $6,800 to $9,060.
- Average Purchase Cost: $2,100 to $4,330.
- Other ATM Equipment and Accessory Costs:
- Phone Line Connection ($25 to $36 per month)
- Cash Replenishing services ($45 to $66 per Refill)
- Cash cassettes ($200 each)
Related Industry Terms: Automatic teller machine, full service, ADA Compliant, delivery, lease, EMV, retail, merchants, bank, cash
ATM Buying Advice
Automatic Teller Machines (ATMs) are essential for modern businesses, especially small ones. They offer customers easy access to cash, making shopping and transactions more convenient. Additionally, ATMs generate income for businesses through surcharge fees. If you’re considering buying an ATM for your small business, here are key factors to keep in mind:
- Location: Place the ATM in an area that is easy for customers to reach and has high foot traffic. This ensures the ATM is used frequently and generates more revenue.
- Type of ATM: Choose between standalone and through-the-wall ATMs. Standalone machines are freestanding and can be placed anywhere, while through-the-wall ATMs are installed into a wall or cabinet. Consider the space you have and the type of location when deciding.
- Cost: ATM prices vary based on the type and features. Research different models and compare prices to find the most affordable option. Also, factor in installation and maintenance costs.
- Features: ATMs offer various features like cash dispensing, check deposits, and bill payments. Choose a machine that provides the features most important to your customers.
- Security: Security is vital when buying an ATM. Look for machines with features like encrypted keypads, surveillance cameras, and alarm systems.
- Brand Reputation: Choose a reputable manufacturer with good industry standing and reliable customer support.
- Service and Support: Ensure the manufacturer offers excellent customer service and support for any issues with your machine.
Buying an ATM for your small business can be a valuable investment. Considering these important factors, you can select an ATM that meets your needs and enhances your customers’ experience.
Get Matched up With the Right ATM Supplier
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