Helping people across the UK access the cash services they need
An introduction to LINK
Most people find accessing cash easy. It's our job to keep it that way, and help those who find it difficult. We work in the public interest to connect a reliable ATM network to every major bank and building society. We also make sure people in every corner of the UK can access cash. We'll keep doing it even as the amount of cash being used changes rapidly.
The way we use cash is changing rapidly
That’s because more and more people are choosing to use contactless, or shop online. But not everyone is comfortable doing that just yet. Not everyone can afford to. That means the work we do is changing. We’ll keep providing a reliable service for cash users. At the same time, we’ll protect cash access in all four corners of the UK.
We’re here as long as cash is needed on the High Street
We all need cash at some point. We make sure that every UK high street has good cash access. We also subsidise thousands of cash machines in remote and deprived areas. We speak to communities about what they need. We’re also playing a key role in the future of banking services on the high street too.
Research and Insight
£1.6bn is withdrawn from our network every week. That’s cash in people’s pockets and in retailers’ tills. Around 5 million people still need cash every day. Our cash machines remain vital to communities and high streets across the country.
We operate in the public interest
We are not-for-profit. We’re governed by an independent Board. Our work is overseen by several independent bodies and regulators. That means we can put people and communities first.
Who we work with
The public
We work in the public interest. We’re here to get the right cash access for every community.
Regulators
Our work is regulated in detail by three regulators.
The Government
We work with the Government and local MPs to get the right outcomes for people.
Law Enforcement
Cash machines need to be safe and secure.
The media
We provide data and insight to inform the debate around cash.
Our members
Our network has a wide range of members.
Consumer Groups
We collaborate to ensure our work supports consumers.
Industry Groups
Our services depend on the wider financial services industry.
How we’re helping people across the UK
Meet our senior team
Director and Chair
Sir Mark Boleat was appointed Chairman of Link Scheme Holdings Ltd in March 2017. For five years until May 2017 he was the Chairman of the City of London’s Policy and Resources Committee, and in this capacity was also Deputy Chairman of TheCity UK (the promotional body for the UK finance industry) and the International Regulatory Strategy Group, a Vice Chair of London Councils and a Board Member of London and Partners. He Chair of the Board of the International Business and Diplomatic Exchange and Senior Advisor to the Policy Centre Jersey.
Sir Mark has been chief executive of three major trade associations: the Building Societies Association, the Council of Mortgage Lenders and the Association of British Insurers. More recently he has held a number of commercial, public sector and charity positions. He has been Chairman of the Jersey Development Company, Andium Homes and the Channel Islands Competition and Regulatory Authorities, a director of four insurance companies and two listed companies (Comino and Countryside Properties) and a member of the National Consumer Council, the Regulatory Policy Committee and the Gibraltar Financial Services Commission. He has also run his own consultancy business, working for international agencies on housing finance and for corporates and public sector bodies on regulation, public policy and trade association structures and organisation. He has been Chairman of two charities and a governor of three schools. Mark was awarded a knighthood for services to the financial services industry and local government in London in June 2017.
Chief Executive
John is CEO of the LINK Scheme, the UK's cash machine network and Link Scheme Holdings Ltd. He is also a member of LINK’s Consumer Council, a Commissioner for the Financial Inclusion Commission and a Non-Executive Director and Chair of the Risk Committee of MedCo, the medical report system. Previous roles include member of the UK Executive Board of Capgemini Consulting, as lead for the Department for Work and Pensions advisory business, plus a number of major local government transformations. His early career was with Gemini Consulting’s financial services strategy practice and Lloyds Bank. John has a first degree in Materials Science from Keble College, Oxford and an MBA with Distinction from London Business School. He is also an Associate of the Chartered Institute of Bankers.
Senior Non-Executive Director
Lord Hunt is Chairman of the Financial Services Division of the international commercial law firm DAC Beachcroft LLP, where he has been a partner since 1969. He has been a parliamentarian for over 40 years, first as MP for Wirral, then Wirral West, from 1976-1997, subsequently as a life peer. He was a Minister in successive Governments for 16 years and a member of the Cabinets of both Margaret Thatcher and John Major. He is the current Chairman of the Association of Conservative Peers. In addition to his role as Senior Independent Non-Executive Director of Link Scheme Holdings Ltd, he is immediate past Chairman of the British Insurance Brokers' Association and is an independent non-executive director of Global Risk Partners Limited. He became Chairman of the Press Complaints Commission in 2011 and established the new Independent Press Standards Organisation, serving as its inaugural chairman until 2014.
Non-Executive Director
Alison joined LINK on 1 November 2024. She brings valuable experience of the financial services sector from a range of perspectives, including as an economist in the City; as Director of Financial Services at HM Treasury, with responsibilities including payments and financial inclusion; and as founding CEO of the Financial Services Culture Board. Alison is a Fellow of the Society of Professional Economists, and holds Non-Executive Director roles in the health and charity sectors.
Non-Executive Director
In addition to his role at LINK, Chris is Managing Director of Ireland & Managing Partner BOI at Kyndryl and Chairman of DVCP. With over 30 years banking and financial services experience his background includes consulting, IBM and KPMG, coupled with a broad range of Financial Institution executive roles including being Executive Director & COO at The Co-operative Bank and holding COO/CIO roles at Williams & Glyn, Ulster Bank and RBS Corporate Bank.
Chris is a Certified Bank Director, SMF accredited and was also a Non-Executive Director at Chetwood Financial.
Non-Executive Director
John spent 31 years with Standard Life in a variety of senior executive and board roles. From 2010 to 2017 he was Chief Risk Officer of Standard Life’s insurance, pensions and savings businesses in UK and Europe. Prior to this his roles included Managing Director, Customer Operations, Managing Director of Finance and Chief Executive and Finance Director of Standard Life Bank.
John has also held various other Non-Executive Director roles in the Financial Services sector.
Non-Executive Director
Tracey Graham is a portfolio Non Executive Director, on the Boards of Close Brothers plc (Merchant Banking), discover IE plc (Electronics), Ibstock plc (Building Supplies) and Nationwide Building Society. Tracey was Chief Executive of Talaris Limited having led a Management buyout in 2008 from De La Rue plc. She has also held senior positions in banking and insurance with HSBC and AXA Insurance.
Non-Executive Director
Bill is a career banker having spent over 30 years with RBS Group where he was part of the wider Group Executive team. Bill undertook various roles, principally in Operations and Customer Service, where he was Director of Operations for the RBS cards business and Managing Director of TRACKER (Network) UK Limited. Bill has also worked overseas in Jersey and Gibraltar, helping create RBS International. Bill helped establish Tesco Bank’s insurance business as Director Insurance Operations and was part of the Tesco Executive team. Latterly Bill was Chief Operating Officer of YourCash Europe Limited, an independent ATM deployer operating ATM’s across Europe..
Bill is a Chartered Banker and Fellow of the Institute of Bankers in Scotland and a previous winner of the Institute's Bisland prize. Bill holds an MBA with Distinction from the University of Strathclyde.
Bill’s appointment to the LINK Board is his first Non-Executive role.
Non-Executive Director
David Rigney is a Non-Executive Director of Link Scheme Holdings Ltd and Chair of the LINK Audit Committee. In addition, David has considerable experience as an Executive and Non-Executive Director and is a qualified accountant. He was a main Board Executive Director at Nationwide Building Society, part of David's responsibilities at Nationwide covered Payments including the ATM network. David was also previously Chairman of BACS. He has also held Non-Executive Director roles in Central Government and in the Energy, Financial Services and Sport sectors.
David has a MBA from Manchester Business School and a MA in Sports History from De Montfort University.
Non-Executive Director
Sushil joined LINK on 1 November 2024. Sushil has strong experience in financial services, international business and technology led transformation. Sushil’s previous roles include CEO for Accenture’s EMEA Financial Services business and Executive Director for technology at the Bank of England, including responsibility for critical national infrastructure and payments.
Careers at LINK
Careers at LINK
LINK in the spotlight
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Frequently asked questions
Please contact LINK using the contact us form.
Contact your bank or building society as you are their customer and only they have all the details of your account. They can check your account and if necessary, contact the LINK ATM operator.
You will need to tell them:
- Where a LINK ATM was.
- The date & time of the withdrawal.
- The amount of cash you tried to withdraw.
- The amount of cash you received (if any).
In most cases, a LINK ATM will wait a few seconds and then retract the cash and your account will be re-credited. If this hasn’t happened, you should contact your bank or building society. They can check your account and, if necessary, contact the LINK ATM operator.
You will need to tell them:
- Where a LINK ATM was.
- The date & time you tried to use a LINK ATM.
- The amount of cash you tried to withdraw.
If you are a member of the public or represent a local community and want to find out about a new LINK ATM, please click here.
You should contact your bank or building society as soon as possible to sort out a replacement. For security reasons it isn’t possible to open the LINK ATM to get your card back.
Find the best way for you to take your cash out