Payments

Study finds retail ATMs drive $660M in UK retail sales

Photo: Adobe Stock

September 29, 2026

Summarize with

ATMs are a major source of foot traffic and spend in U.K. retailers, according to a study from NCR Atleos. The study revealed customers spent more than $660 million from ATM withdrawals in the stores, according to a press release.

The survey collected more than 300,000 responses across 4,646 U.K. ATMs. It found 56% of consumers visit a store more often due to an ATM, with 76% listing they were more likely to return due to the ATM.

Other findings include:

$1.8 billion was dispensed across 5,300 NCR Atleos ATMs in retail locations in June 2026.
37% would spend the cash they withdrew in-store.
31% said withdrawing cash leads to increased spending.
80% come just to withdraw cash.
82% said having the ATM was convenient.

"Physical retail has always been about more than the transaction at the till. An ATM is not simply a piece of equipment in the corner of a store. It is the connective tissue between consumers, retailers and local services," Neil Martin, managing director of NCR Atleos U.K., Ireland, Benelux, Baltics and Nordics, said in the release. "That creates an important role for retailers, both in meeting a genuine customer need and supporting the economics of the store. As deposit-capable ATMs become more widely available, these locations can support not only consumers accessing cash, but business owners looking for convenient ways to deposit their takings. The retail estate is already one of the UK's most important pieces of physical infrastructure. How far that role extends into financial services will be an important shift to watch over the next few years."

The findings are collected in a white paper from NCR Atleos entitled "Cash Means Business: How ATMs drive footfall, spend and loyalty for retailers."

Retail / Off-Premises PaymentsNCR Atleos

Included In This Story

NCR Atleos

NCR Atleos expands self-service financial access for retailers and financial institutions who leverage our expertise, operational scale, always-on global services and constant innovation to deliver convenient self-service banking.

Request Info

Learn More