银行在英国推出了启用硬币的ATM

根据9月生效的《金融服务和市场法》，银行必须确保企业和公众可以存入和撤回硬币，如果分支机构关闭使社区没有这些服务。

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

银行响应新法规，将在英国介绍支持硬币的自动取款机。

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.

《金融服务和市场法》于9月生效，要求银行确保企业和公众可以继续存入和撤回硬币，如果分支机构关闭使社区没有这些服务，则可以继续存放和撤回硬币。

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.

虽然邮局升级和多银行银行枢纽现在有110个提供了现有的解决方案，但无需免费使用的多银行ATM来处理硬币，促使银行向佣金专家现金机器提供商，包括Notemachine和Notemachine和Notemachine和NCR，开发更大，更复杂的模型。

“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.

“实际上没有什么可以付款并以这种方式将其取出的。这将是第一个在这个规模上进行的工作。

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

自6月以来，已在银行关闭影响的地区安装了69个仅通信的自动柜员机，处理超过200万英镑的存款。

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.

预计至少将部署200个ATM，并将在2025年中期推出额外的启用硬币的机器。但是，奥克利承认处理硬币所涉及的复杂性。

“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.

他解释说：“能够分配和存款硬币需要更高的工具包，比您的一般ATM更大的空间，并且运输服务的现金变得更加昂贵。”

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

去年对变更进行了咨询的金融行为管理局（FCA）对硬币服务的要求最少。

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发言人说，为了支持提供可访问的现金服务，ATM提供商将被允许向企业收取硬币交易的费用。

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

发言人补充说：“小型企业是经济的命脉，许多企业仍然依靠硬币。”

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

在传统银行分支机构的迅速关闭之内，现金访问点的扩大是出现的。

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

劳埃德银行集团（Lloyds Banking Group）最近宣布了计划在2025年3月之前关闭136个分支机构的计划，理由是转向数字银行。

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

根据消费者集团的数据，自2015年以来，英国银行和建筑社会已经关闭了6,266个分支机构，平均每月关闭53个。

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.

尽管如此，奥克利（Oakley）预计需要超过350个银行枢纽以满足需求，最新的枢纽本周在诺福克（Norfolk）的霍尔特（Holt）开业，另一场将于3月在林肯郡的斯凯格尼斯（Skegness）开业。

“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.

奥克利说：“我们谈论的是大量失去其最后一个银行分支机构的社区，并且将无法在合理距离内获得现金服务。”

“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.”

“银行枢纽是解决方案的重要组成部分，但它们并不是唯一的一部分。我们需要包括ATM在内的解决方案的组合，以确保每个人都有现金。”