{"id":259,"date":"2025-08-13T16:16:45","date_gmt":"2025-08-13T14:16:45","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=259"},"modified":"2026-03-10T13:28:35","modified_gmt":"2026-03-10T12:28:35","slug":"atm-infrastructure","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/","title":{"rendered":"ATM infrastructure"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-atms\">ATMs<\/h2>\n\n\n\n<p>Anyone with a <a href=\"https:\/\/www.betaalvereniging.nl\/kennisbank\/kaartbetalingen\/betaalpassen\/\"><strong><u>payment card<\/u><\/strong><\/a> from the V PAY, Maestro, Visa, or Mastercard card schemes can withdraw <a href=\"https:\/\/www.betaalvereniging.nl\/kennisbank\/contant-betalingsverkeer\/contant-geld\/\"><strong><u>cash<\/u><\/strong><\/a> in euros from Geldmaat. This means that all customers of all Dutch banks can use their regular debit card at Geldmaat without any surcharge or fees from Geldmaat. However, a user&#8217;s Dutch bank may charge fees for certain services, such as withdrawing coins.<\/p>\n\n\n\n<p>All foreigners with a payment card from the above-mentioned brands can also withdraw cash in euros at Geldmaat. For users from Europe, there are no costs associated with Geldmaat. Users from outside Europe do pay costs to Geldmaat.<\/p>\n\n\n\n<p>The collaboration of major Dutch banks in Geldmaat ensures a better and more balanced distribution of bank ATMs in the Netherlands. Multiple ATMs from different banks in one location could be replaced by fewer Geldmaat ATMs. In certain locations where there was no bank ATM, a Geldmaat ATM could still be installed. As a result, there are now Geldmaat ATMs in more different locations in the Netherlands, with sometimes fewer ATMs per location.<\/p>\n\n\n\n<p>Voluntary agreements and legislation for Geldmaat ATMs ensure that <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\"><strong><u>cash remains easily accessible<\/u><\/strong><\/a>, even in smaller villages and rural areas.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-1024x576.jpg\" alt=\"foto van een geldmaat\" class=\"wp-image-1970\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-1024x576.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-300x169.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-768x432.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-1536x864.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-500x282.jpg 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-832x468.jpg 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080-1280x720.jpg 1280w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2019\/06\/PersBeeld_02_Glow_1920x1080.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">History and development<\/h2>\n\n\n\n<p>The first ATM in the Netherlands was installed in <strong>1968<\/strong>. Until 2019, each of the larger Dutch banks installed its own ATMs throughout the country. As a result, many locations had multiple ATMs from different banks. The transition to Geldmaat has led to better distribution and service at bank ATMs and a uniform, recognizable yellow appearance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The role of Geldmaat<\/h2>\n\n\n\n<p>Geldmaat manages and maintains most of the ATMs in the Netherlands. The ATMs are recognizable by their yellow color and can be found in many places, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>in Geldmaat stores;<\/li>\n\n\n\n<li>outside in public spaces;<\/li>\n\n\n\n<li>in shopping centers;<\/li>\n\n\n\n<li>in supermarkets;<\/li>\n\n\n\n<li>at train stations.<\/li>\n<\/ul>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.geldmaat.nl&#x2F;en&#x2F;need-help&#x2F;locator&#x2F;\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tFind a Geldmaat ATM near you\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p>Geldmaat not only manages ATMs for withdrawing cash, but also ATMs for depositing cash. For merchants who want to deposit large amounts of cash, Geldmaat offers so-called \u2018sealbag safes\u2019. The <a href=\"https:\/\/www.geldmaat.nl\/en\/need-help\/locator\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>Geldmaat location finder<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> lists the options available for each Geldmaat ATM: withdrawals, deposits, coins, banknotes, \u20ac5 banknotes, outside, inside, inside with assistance, or seal bag safe. Geldmaat stores have all types of ATMs, without assistance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-non-bank-atms\">Non-bank ATMs<\/h2>\n\n\n\n<p>In addition to Geldmaat ATMs, there are also non-bank ATMs in the Netherlands, especially in cities and places where many foreigners visit. These ATMs can usually be recognized by a sign with \u201cATM,\u201d the abbreviation for \u201cAutomated Teller Machine.\u201d<\/p>\n\n\n\n<p>Many Dutch bank customers can withdraw cash euros free of charge from non-bank ATMs, but this varies from bank to bank. Some non-bank ATMs charge fees, particularly Travelex ATMs. Every ATM throughout Europe must clearly display all additional fees before a user confirms the cash withdrawal.<\/p>\n\n\n\n\t<div data-name=\"acf\/data-pairs\" class=\"align\" >\n\t\t<div class=\"\">\n\t\t\t<div class=\"@container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 md:mb-8 text-xl md:text-2xl w-full @5xl:text-center\">Facts and figures<\/h2>\n\t\t\t\t\t\t\t\t<ul class=\"items-stretch grid grid-cols-1 gap-4 @2xl:gap-12 gap-y-8 @5xl:gap-y-12 @xl:grid-cols-2 @2xl:grid-cols-3 @4xl:text-zoom-lg:grid-cols-2 \">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6ab5d12a3\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:3}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t3\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"-ml-[0.2em] -mr-[0.2em] inline-block\">,<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6ab5d12b0\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:900}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t900\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">ATMs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t3,900ATMs \t\t\t\tIn 2024, there were nearly 3,900 Geldmaat ATMs in the Netherlands \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tIn 2024, there were nearly 3,900 Geldmaat ATMs in the Netherlands\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t<div class=\"w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full\n\t\t\t\tbefore:absolute before:top-1\/2 before:left-1\/2 before:-translate-1\/2 before:w-[90%] before:h-[90%] before:bg-ocean-50 before:rounded-full before:-z-10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg class=\"-translate-1\/2 absolute left-1\/2 top-1\/2 w-full h-full\" width=\"120\" height=\"120\" viewBox=\"0 0 120 120\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\">\n\t\t\t\t\t\t<circle\n\t\t\t\t\t\t\tclass=\"stroke-ocean-500\"\n\t\t\t\t\t\t\tcx=\"60\"\n\t\t\t\t\t\t\tcy=\"60\"\n\t\t\t\t\t\t\tr=\"54\"\n\t\t\t\t\t\t\tstroke-width=\"0.6rem\"\n\t\t\t\t\t\t\tfill=\"none\"\n\t\t\t\t\t\t\tstroke-linecap=\"round\"\n\t\t\t\t\t\t\tstroke-dasharray=\"339.292\"\n\t\t\t\t\t\t\tstroke-dashoffset=\"339.292\"\n\t\t\t\t\t\t\ttransform=\"rotate(-90 60 60)\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<animate\n\t\t\t\t\t\t\tattributeName=\"stroke-dashoffset\"\n\t\t\t\t\t\t\tfrom=\"339.292\"\n\t\t\t\t\t\t\tto=\"3.39292\"\n\t\t\t\t\t\t\tdur=\"1.5s\"\n\t\t\t\t\t\t\tfill=\"freeze\"\n\t\t\t\t\t\t\t\/>\n\t\t\t\t\t\t<\/circle>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"absolute left-1\/2 top-1\/2 -translate-1\/2 text-2xl text-base-500 @sm:text-3xl @xl:text-2xl\" aria-hidden=\"true\">\n\t\t\t\t\t\n\t\t\t\t\t\t<span id=\"counter-69df6ab5d12f0\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:&quot;99&quot;}\">\n\t\t\t\t\t\t\t99\n\t\t\t\t\t\t<\/span>%\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t99% \t\t\t\tMore than 99% of the population lives within a 5-kilometer radius of an ATM \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tMore than 99% of the population lives within a 5-kilometer radius of an ATM\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6ab5d130b\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:157}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t157\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">million<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t157million \t\t\t\tIn 2024, there were 157 million cash withdrawals. \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tIn 2024, there were 157 million cash withdrawals.\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You can withdraw cash from ATMs using a payment card. In the Netherlands, most ATMs are owned by Geldmaat, a partnership between ABN AMRO, ING, and Rabobank. There are also ATMs that do not belong to a bank, especially in cities and places where many foreigners visit.<\/p>\n","protected":false},"featured_media":503,"parent":10,"menu_order":3,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[8],"class_list":["post-259","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-cash-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>ATM infrastructure - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"ATM infrastructure in the Netherlands: Geldmaat ATMs, access for all banks and balanced nationwide cash availability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ATM infrastructure\" \/>\n<meta property=\"og:description\" content=\"ATM infrastructure in the Netherlands: Geldmaat ATMs, access for all banks and balanced nationwide cash availability.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-10T12:28:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/geld-opnemen-bij-een-geldautomaat-784244164-610x458-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"458\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/\",\"name\":\"ATM infrastructure - 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