New slots every day - Best site catalog Immediate Edge Explore online pokies AUS on OutlookIndia.

Activator Free KMSPICO For Windows&Office

Многие гемблеры выбирают вавада из-за его надёжности и честности.

How much money is in an ATM? How much an ATM can hold

I always wonder how much money an ATM can really take. Can it hold enough money for up to 50 persons withdrawing about $2000 each? Really? That much?

Well, we’ll never find out if you don’t read this post which came about as a consequence of my research. I had to know. I just couldn’t keep thinking whether or not ATMs made and printed their own monies.

The good story is, I found an answer for Us all. Don’t sit wallowing in unconscious ignorance, or is it conscious now?

Whatever the case, this read answers all your wild imaginations about Automated Teller Machines. Trust me, you’ll want to know all the juicy discovery there is.

See: How To Withdraw Money From ATM Without Pin Code | Full Guide

So? Allow me…

How much money can I withdraw from an ATM?

In the US, the maximum withdrawal limit consistently vary. It could depend on the type of account you own with the bank and your relationship with the Bank.

With most U.S. Bank ATM cards, the withdrawal limit is $500, which is within the range of typical card limits for most banks.

This limit still applies if you “go cardless,” meaning, that instead of using a card, you are able to wave your mobile device next to the ATM.

Also see: 7 Easy Steps On How To Change Banks Without Stress | Full Guide

Who puts money in ATM Machines?

This remains a mystery for some persons, honestly. Back in College, I when and how the ATMs in the premises were constantly stashed with money. If you’re wondering like myself, here’s how.

For those who are unfamiliar with ATM machines, one of the biggest mysteries is who’s responsible for filling them with cash when they run out.

Obviously, ATMs at banks will be refilled by the bank itself. However, for standalone ATMs, there are a few different options when it comes to the responsibility of refilling the machine.

If a business is the outright owner of its ATM, it can refill the machine on its own. This isn’t necessarily the easiest option, but it’s usually the best way to maximize profits from the ATM.

Part of the problem is having enough cash available to refill the machine every time it runs low. This requires business owners to have a great deal of capital available.

The other issue is finding a time when it’s safe to refill the machine. Otherwise, they run the risk of something going wrong and losing a significant amount of money.

The difficulty and risks involved with filling an ATM on your own often lead business owners to hire a cash management company to handle the task for them.

Obviously, this takes away from some of the ATM’s profits. However, it also brings peace of mind. A business can work out a schedule with a cash management company for when to refill the ATM.

They can then go about doing so in a secure way. Cash management companies will also have insurance just in case something goes wrong. This means the ATM owner won’t risk losing thousands if there’s a mistake while loading the machine.

A business may also partner with an ATM provider like, LLC, who will fill the machine with cash., LLC has a longstanding relationship with a trusted vault cash supplier, which helps to simplify the process for businesses.

While it may be financially beneficial to refilling an ATM on your own, the peace of mind of leaving it in the hands of trusted professionals also has its perks.

The table below indicates how much cash is required for various transaction volume levels.

Trans/mthTrans/dayAvg $ WithdrDaily Cash DispensedRecc Daily Cash Fill
How much money is in an ATM

How often are ATMs refilled?

Usually, ATMs are refilled every day for ATMs in a bank’s branch offices. If the ATM is not in a branch office, maybe then once a week.

If there is only one ATM at a location when the cash runs out, it could be loaded on weekends. A location with multiple ATMs will be reloaded on the next business day.

The ATM will signal the switch (the brains of the ATM) when the number of notes in each cassette is below a certain threshold. The switch will attempt to dispense all the notes in each cassette.

Once the cassette is empty, the ATM will send a message to the switch. Once all cassettes are empty, the ATM will go out of service.

Where Does The Money That Comes Out Of My ATM Go To? Is It traceable?

When someone uses your ATM, they are accessing their debit or credit card account to get an overnight loan from your ATM. Most ATM owners set a surcharge fee for this convenience.

The surcharge is one of the factors which determines how profitable your ATM will be for you. If you’re uncertain as to how to establish the surcharge, we’ll help you decide on the best surcharge for your ATM location.

You can see how much profit you’ll earn without online ATM Profit Calculator.

Each ATM has a terminal ID and a bank routing number. When someone takes money out of your ATM, the banking networks know what machine did the transaction through these numbers. That’s how the banking networks also know where to put the money back the next day, through the routing number.

Here is an Example: All ATMs settle on banking days at 4:00 pm EST. Money taken out of the ATM before 4:00 pm EST will appear in your bank account the next day. Any money taken out after 4:00 pm will appear the day after. Any money taken out after 4:00 pm EST on a Friday will not show up in your bank account until Monday.

Saturday and Sundays are not banking days. All surcharge money is deposited into your bank account once a month. All vault cash you load is returned to you via your bank account, usually the following day.

How Can U.S. Bank ATM Limits Be Increased?

Most banks will offer increased ATM withdrawal limits upon request. Temporary limit increases, like when you’re planning to travel or preparing to make a large purchase, are more common than permanent increases.

Because U.S. Bank limits withdrawals based on your type of account and account status, every case is unique. Call U.S. Bank at 800-USBANKS or 800-872-2657, to discuss any limit increase options that may be available to you.

U.S. Bank ATM limits are pretty typical compared to other banks. Because of these card-specific limitations, it’s probably a good idea to take time to withdraw cash during regular bank business hours.

Also, you could carry more than one card with you, so you’ll have a backup plan for withdrawing cash when you need it most.

See Related: Best Investment Banks in Australia| Rates, Minimum Deposit

How Much Cash Do You Need To Load In ATM?

The amount of cash you should load into your ATM depends on three main factors:

1) How much your ATM machine is capable of holding
2) How much cash you need to satisfy the traffic and usage demands of your location on a daily basis.
3) Whether you want to re-stock your machine on a daily basis.

1. How Much Can Your ATM Hold?

The answer to how much cash does an ATM Machine hold really depends on the type of ATM Machine and the type of Cash Cassette. There are fixed cassette ATM machines (meaning non-removable) these are typically in lower end ATM machines designed for low volume locations.

Then there are ATM machines that have removable cassettes in all sorts of configurations. Your Evolution Cash Account Manager will help you choose the best ATM for your business needs.

In retail locations you’ll mostly see ATMs with dispensers that are easy to load but have might have different capacities as well as longevity based on use (volume of transactions). Most retail based ATM Machines only have a few hundred to a few thousand dollars and are loaded and unloaded daily to reduce the temptation of ATM theft.

2. How Much Cash You Need To Satisfy The Traffic And Usage Demands of Your Location On A Daily Basis?

In retail locations you’ll mostly see ATMs with dispensers that are easy to load but have might have different capacities as well as longevity based on use (volume of transactions). Most retail based ATM Machines only have a few hundred to a few thousand dollars and are loaded and unloaded daily to reduce the temptation of ATM theft.

A typical store, bar or restaurant owner will likely load their ATM with $2000 to $5000 in $20 bills. Where you get the funds is completely up to you, you can take the funds from your daily cash deposits or get cash from their local Bank ATM. If you need to, you can request an increased withdrawal limit on your debit card.

If those options don’t suit you, you can always call ahead to your business bank branch and ask them to have $2000 to $5000 in $20 bills ready for you to pick up daily, or as often as you may need.

You may need to phone your branch and give a couple days notice if you want to pick up larger amounts of $20 bills. Most banks are pretty accommodating that way.

Why Do Banks Have ATM Withdrawal Limits?

Banks can impose ATM withdrawal limits out of practicality and for security reasons.

First, ATMs can only hold so much cash and banks only have so much cash they can distribute to customers at any given time. Setting a limit on the amount of money that can be withdrawn at an ATM helps the bank to control the movement of available cash.

The other reason has to do with security and protecting customer accounts. Say that someone stole your debit card and PIN number. Without an ATM withdrawal limit, they might be able to drain your checking or savings account and pocket all your cash.

While ATM withdrawal limits can seem like a nuisance, they serve an important purpose in keeping your money safe.

How Much Can You Withdraw From an ATM Each Day?

This specifically depends on who you bank with. But, generally, ATM cash withdrawal limits can range from $300 to $5,000 per day.

Individual banks and credit unions set their limits. Your personal ATM withdrawal limit also may depend on the type of accounts you have and your banking history. For example, if you’re brand-new to a bank and you’ve opened a basic checking account, you may have a lower ATM withdrawal limit than someone who’s had a premium checking account there for 10 years.

Additionally, some ATMs can have limits on the amount of cash they’re able to dispense per withdrawal. It’s also worth noting that daily ATM cash withdrawal limits may not be the same as daily purchase limits.

For example, your bank may limit you to withdrawing $400 at the ATM, but you may be able to make up to $4,000 in purchases each day using your debit card.

Banks may keep ATM withdrawal limits and purchase limits separate or set a third limit on the total amount of money you can take out of your account via withdrawals and purchases each day.

Daily ATM Withdrawal Limits at Top Banks

Banks can vary regarding how much or how much cash they’ll allow you to withdraw from your checking account at an ATM each day.

The chart below highlights how daily ATM withdrawal limits compare for some top banks, including online banks and brick-and-mortar financial institutions. There also may be exceptions to the limits shown here, based on the account type and your banking relationship.

Bank NameATM Withdrawal Limit
Ally Bank$1,000
Bank of America$1,000
BMO Harris$1,000 (as of 12/1/20)
Capital One$1,000
Charles Schwab Bank$1,000
Chase Bank$500–$3,000
Citizens Bank$500–$1,000
Discover Bank$510
Fifth Third Bank$810
KeyBank  $1,500
Morgan Stanley Bank$5,000
PNC Bank Dependent on customer relationship
Regions Bank$808
SunTrust Bank$500–$2,500
TD Bank$500–$1,000
Union Bank$500
U.S. Bank Dependent on customer relationship
Wells Fargo BankDependent on customer relationship
How much money is in an ATM

How much money is in an ATM?

Well, this varies greatly. The average size machine can hold as much as $200,000, though few do. In off-hours, most machines contain less than $10,000.

Typically, your average NCR ATM (NCR being the manufacturer) will have 4 cash cassettes installed in the cash dispenser.

If you are using fresh, crisp notes, you can fit approximately 2000 notes into each cassette; however, this drops to around 1800 when using more worn notes.

For example, if you were to have 2 £20 cassettes and 2 £10 cassettes installed (which is the most common configuration from my experience), using fresh notes, you would have about £120,000 – or in other words, not quite enough to make it worth the hassle, complexity, and likely jail-time of trying to rob one (just in case you were wondering).

However, there is an increasing number of ATMs in the UK that have one or two £5 cassettes due to the Bank of England’s need to force the circulation of £5 notes, as for whatever reason it is (or certainly was) declining. Again, not sure if this applies to other countries.

So, basically, it could have any cassette configuration, more often than not the notes being used are not new, sometimes there’s a fault with one or more cassettes so it’s running on less than 4 until fixed, some banks have the machines filled by 3rd parties (i.e. G4S) and have to wait until their next delivery instead of filling them up whenever they want, they get used a load more on weekends and so on and so forth – there’s a whole heap of unpredictable variables.

What amount of cash is in an ATM?

Up to $200,000 in cash can be stored in the average-sized machine. Many machines can have up to $10,000 while no one is using them. We can do quick financial transactions online using an ATM (Automated Teller Machine) without the assistance of a branch personnel.

How much Money does a Gas Station ATM Hold?

Gas station ATMs are a convenient way to access cash in a pinch, but it’s important to know how much money they contain.

ATM machines at gas stations typically hold anywhere from $20,000 to $40,000 on average. This range can vary depending on the location of the machine and its daily transaction volume.

For instance, an ATM located near a busy intersection may need more funds than one located in a rural area. The amount held by a particular machine is also dependent upon the agreement between the gas station owner and the ATM supplier.

Some agreements require that machines are replenished with cash on specific days while others may require more frequent visits to refill them with money.


Knowledge gives you confidence; to join in on conversations, make more informed decisions, and generally live a better life.

Whether to have stronger, more convincing points or make better choices, we’re confident that the amount of money in an ATM is no longer yours to ask.

Consequently, we hope this knowledge will enable you to have better banking experiences with whatever banks you choose.

Cheers to more monies in your accounts!


Author’s Recommendations


I’m Queen Ojukwu, a professional SEO content writer at Silicon Africa Technologies. I'm also an on-page SEO technical expert with over 4 years of experience.

I'm a fan of technology, reading, and writing, and also interested in web development. You can hit me up for business by clicking any of my social media handles.

Articles: 79