Cost analysis
What it costs to operate an ATM
Most institutions and operators underestimate what a terminal costs, because the largest line items never appear on an invoice.
The invoiced costs
Hardware amortization, communications, maintenance contract, armored service, processing fees, and insurance. These are the ones everybody counts, and together they are usually the smaller half.
The costs nobody counts
Staff hours spent balancing, reconciling settlement, coordinating carriers, clearing faults, and managing vendors. Vault cash sitting idle inside the machine instead of earning. Downtime, which costs both transaction income and the confidence of the person who walked up to a dark screen.
Written out honestly, the uncounted half frequently exceeds the invoiced half. That is the whole argument for outsourcing, and it only works if the numbers are real.
Build your own
The assessment produces this against your actual fleet — terminal count, ages, volumes, load frequency, and current contracts. You keep the document regardless of what you decide.
Illustrative ranges for a single cash-dispense terminal. Not a quote.