Contact Us

Types of ATMs

Bank-owned ATMs

ATMs that are owned, operated and maintained by a bank itself are called bank-owned ATMs. These ATMs are categorised as on-site and off-site ATMs. An on-site ATM is located along with a bank branch, while off-site ATMs are installed at important places with heavy footfalls, such as airports, railway and bus stations, educational institutes, hospitals and shopping malls.

Brown label ATMs

Brown label ATMs are owned by banks but they are operated by a third party. In brown label ATM installation, the third party owns the hardware of an ATM machine and ensures its smooth functioning by roping in all utilities. It is also responsible for identifying the location for the ATM installation and creating a lease agreement with landlords. The bank, on the other hand, is responsible for cash management and provides connectivity for its banking network. Brown label ATMs operate similar to the ones belonging to the bank. The ATM machine bears its logo.

White label ATMs

ATMs owned and operated by non-banking financial companies (NBFCs) are called white label ATMs or WLAs. Non-banking ATM operators are authorised under the Payment and Settlement Systems Act, 2007 by the RBI. The rationale to allow non-banking entities to set up WLAs is to increase the geographical spread of the ATMs for increased/enhanced customer service, especially in semi-urban and rural areas.