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By 2020, Germany had overtaken the United Kingdom in having the most Automated teller machines (ATMs) of all countries in Europe. Between December 2018 and December 2020, approximately 9,000 ATMs in the UK closed. This is opposed to Germany - one of the few bigger countries in Europe where ATM figures grew in this timeframe. Automated teller machines are banking outlets, which allow basic financial transactions, such as checking of the account balance or withdrawing cash, to be carried out without an assistance of the branch representative. Debit or credit card is all that is needed to provide fund access, and security of the operation is typically ensured by a PIN (personal identification number) code. More complex ATM units also allow for depositing money or establishing of credit lines.

Automated teller machine (ATM) figures in 27 countries in Europe from 2000 to 2020

Characteristic	Germany	Spain	Italy	France	Poland	Portugal	Austria	Romania	Belgium	Greece	Bulgaria	Czechia	Hungary	Croatia	Slovakia	Netherlands	Sweden	Ireland	Denmark	Finland	Slovenia	Latvia	Lithuania	Estonia	Luxembourg	Cyprus	Malta
2020	87,781	49,481	48,423	47,997	21,829	14,301	12,818	10,231	6,853	5,740	0	5,153	5,004	4,896	2,910	2,421	2,414	2,369	2,074	1,970	1,406	912	894	718	572	455	205
2019	87,515	53,367	49,062	52,969	22,704	14,350	13,073	10,531	8,812	5,708	5,651	5,215	5,095	5,446	2,849	4,986	2,508	2,876	2,178	1,992	1,545	933	913	728	595	460	209
2018	96,338	53,379	47,678	54,869	22,879	14,148	12,835	10,644	9,738	5,601	0	5,124	5,067	5,159	2,849	5,939	2,672	3,014	2,266	1,951	1,580	993	1,119	751	596	460	219
2017	95,097	50,842	48,564	56,649	23,230	14,481	12,453	11,069	10,360	5,533	5,731	4,988	5,107	4,941	2,794	6,389	2,655	3,404	2,367	1,927	1,646	0	1,126	748	586	496	221
2016	94,475	49,963	49,286	58,480	23,451	15,009	12,217	11,127	11,580	5,310	5,751	4,716	4,995	4,543	2,764	6,750	2,850	3,401	2,372	1,923	1,676	1,019	1,181	772	539	508	216
2015	86,702	49,869	50,532	60,756	22,143	15,433	13,603	11,492	15,978	5,293	5,616	4,553	4,816	4,418	2,735	7,004	3,285	3,415	2,540	2,061	1,690	1,058	1,216	801	518	526	213
2014	86,767	50,445	49,653	71,741	20,531	15,773	13,670	11,542	12,719	6,933	5,615	4,442	4,880	4,221	2,707	7,165	3,231	3,630	2,528	2,210	1,692	1,068	1,283	722	490	464	207
2013	82,761	52,221	50,042	58,638	18,876	16,143	8,527	10,772	14,861	7,242	5,848	4,399	4,830	4,123	2,581	7,383	3,237	3,072	2,607	2,241	1,775	1,177	1,261	771	460	664	216
2012	82,610	56,258	50,746	58,536	18,667	16,760	8,347	10,987	15,658	8,324	5,642	4,106	4,785	-	2,508	7,569	3,416	3,061	2,706	2,265	1,789	1,270	1,323	828	443	702	216
2011	84,102	57,243	51,841	58,170	17,500	17,296	8,246	11,006	15,767	8,551	5,792	3,935	4,907	-	2,405	7,799	3,566	3,192	2,795	2,282	1,845	1,207	1,305	880	454	698	195
2010	82,477	59,263	51,356	56,243	16,902	17,632	8,185	10,361	15,576	8,653	5,718	3,742	4,843	-	2,339	7,919	3,566	3,265	2,874	2,859	1,814	1,361	1,571	914	441	674	185
2009	79,386	61,374	54,339	54,924	15,883	17,213	7,973	9,895	15,271	9,176	5,471	3,573	4,748	-	2,279	8,506	3,319	3,396	2,946	2,928	1,786	1,320	1,543	920	438	669	179
2008	77,733	61,714	52,260	53,326	13,573	16,732	7,646	9,390	15,471	8,537	5,112	3,406	4,623	-	2,250	8,654	3,236	3,404	3,083	3,211	1,731	1,274	1,471	928	430	611	166
2007	75,757	60,588	48,113	52,168	11,542	15,775	8,105	7,452	15,446	7,315	4,535	3,357	4,286	-	2,166	8,546	3,085	3,240	3,129	3,218	1,643	1,147	1,334	927	416	556	162
2006	53,887	58,454	43,823	47,816	9,938	14,512	7,987	6,035	14,711	6,739	3,661	3,281	3,810	-	1,995	8,114	2,816	3,054	3,092	3,279	1,522	952	1,146	853	407	524	156
2005	53,361	56,333	40,577	47,827	8,776	13,714	7,970	4,354	13,543	6,310	2,779	3,005	3,531	-	1,854	7,446	2,814	2,944	3,001	3,385	1,490	877	1,056	796	405	444	154
2004	52,595	55,399	39,704	43,714	8,054	12,627	7,974	3,290	13,211	5,864	2,007	2,744	3,296	-	1,700	7,889	2,701	2,932	2,943	3,470	1,389	875	1,012	746	397	415	151
2003	51,129	51,978	39,059	41,988	7,575	11,985	7,499	2,593	12,495	5,468	1,222	2,555	2,975	-	1,505	7,556	2,676	2,278	2,873	3,955	1,240	868	994	747	387	367	149
2002	50,487	49,876	39,648	38,975	7,145	11,117	7,028	2,047	11,676	5,078	829	2,254	2,742	-	1,366	7,530	2,647	1,412	2,822	4,127	1,095	842	889	719	375	355	138
2001	49,620	46,990	36,621	36,912	6,476	10,524	6,622	1,290	11,393	4,377	642	1,923	2,544	-	1,182	7,142	2,567	1,335	2,763	4,332	1,027	791	689	680	355	311	139
2000	47,650	44,851	31,720	35,162	5,266	9,701	5,913	751	10,897	3,472	0	1,602	2,476	-	1,084	6,921	2,617	1,302	2,701	4,552	865	643	473	630	325	267	136