銀行在英國推出了啟用硬幣的ATM

根據9月生效的《金融服務和市場法》，銀行必須確保企業和公眾可以存入和撤回硬幣，如果分支機構關閉使社區沒有這些服務。

Coin-enabled ATMs are set to be introduced across the UK by banks in response to new regulations.

銀行響應新法規，將在英國介紹支持硬幣的自動取款機。

The Financial Services and Markets Act, which came into effect in September, mandates banks to ensure that businesses and the public can continue to deposit and withdraw coins if a branch closure leaves a community without these services.

《金融服務和市場法》於9月生效，要求銀行確保企業和公眾可以繼續存入和撤回硬幣，如果分支機構關閉使社區沒有這些服務，則可以繼續存放和撤回硬幣。

While Post Office upgrades and multi-bank banking hubs, of which there are now 110, offer existing solutions, the inability of free-to-use multi-bank ATMs to handle coins has prompted banks to commission specialist cash machine providers, including NoteMachine and NCR, to develop larger, more sophisticated models.

雖然郵局升級和多銀行銀行樞紐現在有110個提供了現有的解決方案，但無需免費使用的多銀行ATM來處理硬幣，促使銀行向佣金專家現金機器提供商，包括Notemachine和Notemachine和Notemachine和NCR ，開發更大，更複雜的模型。

“There is nothing out there really where you can pay [coins] in and take it out in this way. This will be a first to do it at this scale,” said Gareth Oakley, chief executive of Cash Access UK, the not-for-profit organisation responsible for overseeing the alternative banking services.

“實際上沒有什麼可以付款並以這種方式將其取出的。這將是第一個在這個規模上進行的工作。

Since June, 69 note-only ATMs have been installed in areas affected by bank closures, processing over £2 million in deposits.

自6月以來，已在銀行關閉影響的地區安裝了69個僅通信的自動櫃員機，處理超過200萬英鎊的存款。

At least 200 ATMs are expected to be deployed, with additional coin-enabled machines set to launch by mid-2025. However, Oakley acknowledges the complexities involved in handling coins.

預計至少將部署200個ATM，並將在2025年中期推出額外的啟用硬幣的機器。但是，奧克利承認處理硬幣所涉及的複雜性。

“Being able to dispense and deposit coin requires a much higher sophistication of kit, a much bigger space than your general ATM and the cash in transit services become a lot more expensive,” he explained.

他解釋說：“能夠分配和存款硬幣需要更高的工具包，比您的一般ATM更大的空間，並且運輸服務的現金變得更加昂貴。”

The Financial Conduct Authority (FCA), which consulted on the changes last year, received minimal opposition to the requirement for coin services.

去年對變更進行了諮詢的金融行為管理局（FCA）對硬幣服務的要求最少。

To support the provision of accessible cash services, ATM providers will be permitted to charge businesses for coin transactions, according to an FCA spokesperson.

FCA發言人說，為了支持提供可訪問的現金服務，ATM提供商將被允許向企業收取硬幣交易的費用。

“Small businesses are the lifeblood of the economy, and many still rely on coins,” the spokesperson added.

發言人補充說：“小型企業是經濟的命脈，許多企業仍然依靠硬幣。”

The expansion of cash access points comes amid the rapid closure of traditional bank branches.

在傳統銀行分支機構的迅速關閉之內，現金訪問點的擴大是出現的。

Lloyds Banking Group recently announced plans to close 136 branches by March 2025, citing a shift towards digital banking.

勞埃德銀行集團（Lloyds Banking Group）最近宣布了計劃在2025年3月之前關閉136個分支機構的計劃，理由是轉向數字銀行。

According to consumer group Which?, UK banks and building societies have shut 6,266 branches since 2015, an average of 53 closures per month.

根據消費者集團的數據，自2015年以來，英國銀行和建築社會已經關閉了6,266個分支機構，平均每月關閉53個。

Despite this, Oakley anticipates the need for over 350 banking hubs to meet demand, with the latest hub opening this week in Holt, Norfolk, and another set to open in March in Skegness, Lincolnshire.

儘管如此，奧克利（Oakley）預計需要超過350個銀行樞紐以滿足需求，最新的樞紐本週在諾福克（Norfolk）的霍爾特（Holt）開業，另一場將於3月在林肯郡的斯凱格尼斯（Skegness）開業。

“We are talking about a huge number of communities that are losing their last bank branch and will have no access to cash services within a reasonable distance,” Oakley said.

奧克利說：“我們談論的是大量失去其最後一個銀行分支機構的社區，並且將無法在合理距離內獲得現金服務。”

“The banking hubs are a really important part of the solution, but they are not the only part. We need a combination of solutions, including ATMs, to ensure that everyone has access to cash.”

“銀行樞紐是解決方案的重要組成部分，但它們並不是唯一的一部分。我們需要包括ATM在內的解決方案的組合，以確保每個人都有現金。”