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ATM Networks

ATM networks, also called, ATM consortiums or interbank networks, connect different banks so that their cards can be used at each other's ATMs. They also connect merchants to banks, to allow cards to be used for purchases.

Note: "Selective Surcharge" machines may or may not asses a "foreign" card surcharge, depending on whether your bank is in the same network.


Alliance One - Select-surcharge ATMs in 41 states and territories

Allpoint - Their search function lists ATMs in both the US and UK.

Armed Forces Financial Network / AFFN


Cirrus - Owned by MasterCard, and links MasterCard, Maestro, and Diner's Club cards. They have a global ATM locator.

CO-OP Financial Services - Owned by credit unions in the US and Canada

CU Dollar - Credit Union members of the Selective Surcharging Group. Mostly located in Pennsylvania.


Maestro - Owned by MasterCard.

MoneyPass - Nationwide, no surcharge.

NYCE Payment Network

Presto! - Owned and operated by Publix Super Markets.

PULSE - Owned by Discover. Also absorbed the TYME network in 2004.


STAR Network - Owned by First Data.

SUM - Mostly smaller banks and credit unions.




The Exchange

Interac Association



CashNet - CMI - Interswitch - SASWITCH


Asia Pacific

1LINK (Pakistan)



atm5 (Singapore)

ATM Bersama (Indonesia)

BCA (Indonesia)

EPS Company (formerly Electronic Payment Services Company) (Hong Kong)

MegaLink (Philippines)



ATH / A Toda Hora - (Puerto Rico, Costa Rica, and Dominican Republic.)

CarIFS / Caribbean Integrated Financial Services - (Barbados)

Caricard - InfoLink Services Limited - Midas - Unired



CB / Groupement des Cartes Bancaires CB /Carte Bleue (France)


Middle East

Gulf Cooperation Council / GCC (Saudia Arabia, Kuwait, Bahrain, Quatar, UAE, and Oman)

Shetab / Interbank Information Transfer Network (Iran)

Saudi Payment Network / Mada (Saudi Arabia)


South America

Banelco / Banca Electronica (Argentina)


The Global ATM Alliance waives some international fees for ATM use in countries other than where the card was issued.


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