Who Fills Money in ATM Machines

ATMs (Automated Teller Machines) are a ubiquitous part of modern banking, providing convenient access to cash for millions of people around the world. But have you ever wondered who fills money in ATM machines and how the process works, especially if you’re looking to start an ATM business. In this article, we’ll explore the behind-the-scenes operations of ATM cash replenishment.


The Players Involved

  1. Bank or Financial Institution: The bank or financial institution that owns the ATM is responsible for ensuring that it is adequately stocked with cash.
  2. ATM Service Provider: Banks often contract with specialized ATM service providers, which are responsible for managing, maintaining, and replenishing ATMs on their behalf.
  3. Cash-in-Transit (CIT) Companies: CIT companies are third-party entities that specialize in transporting and handling cash securely. They play a crucial role in the cash replenishment process.


The ATM Cash Replenishment Process

1. Forecasting Cash Needs:

Banks and ATM service providers use data and analytics to forecast the cash needs of each ATM. Factors such as location, transaction history, and time of day are considered in determining how much cash should be loaded into the machine.

2. Preparing Cash:

Once the cash needs are determined, the bank or ATM service provider prepares the required amount of cash. This often involves bundling and sealing cash in specific denominations, making it easier to load into the ATM.

3. Scheduling Replenishment:

ATMs have predefined schedules for cash replenishment. The frequency of replenishment depends on factors like location and transaction volume. Busy ATMs in urban areas may be refilled daily, while those in less busy areas may be replenished less frequently.

4. Secure Transportation:

CIT companies are responsible for transporting the cash from the bank or a central vault to the ATM locations. The cash is transported in armored vehicles with advanced security measures to prevent theft or tampering.

5. ATM Replenishment:

A trained technician from the CIT company arrives at the ATM location at the scheduled time. They use specialized tools and security protocols to access the ATM’s vault, which contains the cash.

6. Loading Cash:

The technician loads the cash into the ATM’s cassettes. Each cassette holds a specific denomination of bills (e.g., $20 bills). The ATM may have multiple cassettes to dispense different denominations.

7. Reconciling Cash:

After loading the cash, the technician conducts a reconciliation process to ensure that the amount of cash in the ATM matches the amount recorded by the bank’s system.

8. Updating Software:

In addition to replenishing cash, technicians may update the ATM’s software, perform routine maintenance, and check for any issues that need to be addressed.

9. Testing:

Before leaving the ATM location, the technician conducts test transactions to ensure that the machine is functioning correctly. This includes dispensing cash, accepting deposits, and printing receipts.

10. Securing the ATM:

After completing the replenishment and testing, the technician secures the ATM, including locking the vault and ensuring that it is in working order.

11. Reporting:

The CIT company provides a report to the bank or ATM service provider detailing the cash replenishment, maintenance, and any issues encountered during the visit.



The process of filling money in ATM machines involves a well-coordinated effort among banks, ATM service providers, and CIT companies. This ensures that ATMs are consistently stocked with cash, providing customers with access to their funds 24/7. The entire process is carried out with a strong focus on security, accuracy, and reliability to maintain the integrity of the ATM network