IC Cash Services

Efficient outsourcing of ATM systems

We provide ATM services that increase availability and reduce operating costs.

Outsourcing ATM operations for banks and savings banks

While bank customers expect reliable access to cash, financial institutions are facing increasing cost pressure and more demanding regulatory requirements.

As a payment service provider licensed under the German Payment Services Supervision Act (ZAG), IC Cash supports banks and savings banks in outsourcing ATM operations.

IC Cash centrally manages, monitors and documents day-to-day operations.

Modern operating platforms provide the foundation for pooling and ATM-as-a-Service models.

Our value for financial institutions

ZAG licence and BaFin supervision
Structured analysis of existing ATM and cash infrastructure
Relief for internal teams with clear governance
Development of sustainable operating, outsourcing and pooling models
Ensuring compliance, quality and service standards
Scalable concepts for regional banks and specialist institutions
Predictable long-term cost and risk structures
In-depth understanding of regulatory and operational requirements in banking

ATM-as-a-Service for banks and savings banks

ATM operations as an outsourced service. With ATM-as-a-Service, IC Cash takes over the complete operation of ATMs for banks and savings banks.

The service is clearly defined, scalable and designed for high availability.

Banks reduce internal complexity while retaining transparency and control over their infrastructure.

ATM operations as a managed service
Reduced internal workload and fewer interfaces
Central monitoring and incident management
Suitable for individual sites and networks

Save up to 40% on costs with ATM pooling

Operating proprietary ATM networks is becoming increasingly uneconomical. Declining usage, rising requirements and growing costs are creating structural pressure.

ATM pooling offers a new approach: banks share infrastructure, reduce duplication and secure long-term access to cash.

Mobile ATM systems for branch refurbishments and festivals

Branch refurbishments or renovations should not compromise customer service. To ensure customers can continue to access cash conveniently, we provide a professional, fully managed outsourcing solution.

Bridge service gaps with mobile ATMs – complete support from IC Cash, your cash-management specialist.

Consistent service availability during branch refurbishments
Installation, operation, cash replenishment and maintenance from a single source – provided by IC Cash, a licensed payment service provider
Cost- and resource-efficient outsourcing solution while maintaining ATM infrastructure

Cash management for financial institutions’ customers

Manage and simplify cash processes efficiently. IC Cash supports business customers in organising and managing their cash processes. Deposit and recycling solutions reduce manual effort and improve transparency.

Monitoring and reporting ensure predictable day-to-day operations.

Cash deposit and cash recycling
Reduced workload for branches and back office
Transparent analytics and reporting
Scalable for individual sites and chains

Banking services in retail environments

(Self-service locations / shop-in-shop ATMs)

Banking-related self-service solutions at high-traffic locations. More and more banks are reducing traditional branch networks and moving services to busy retail locations and shopping centres.

IC Cash enables banks to operate dedicated self-service ATMs as shop-in-shop solutions within retail environments.

Banks maintain their regional presence, while retailers benefit from additional footfall, enhanced customer value and new revenue potential.

Self-service ATMs at retail and chain locations
Complementing or replacing traditional bank branches
Clear operator responsibility and reliable operations
Suitable for retailers, shopping centres and branch concepts

IC Cash – Germany’s only privately owned, owner-managed provider

IC Cash Services operates ATMs for banks, savings banks and retailers across several European markets. As a licensed payment service provider, security, stability and transparency are at the heart of everything we do.

IC Cash Company History

2025: Acquisition of In2Retail Holding BV, Amsterdam
2024: More than 2.000 cash systems in Germany and Austria
2023: More than 1.700 cash systems in Germany and Austria
2021: Almost 1.500 ATMs and EZT/BOR systems
2018: More than 1.200 ATMs and EZT/BOR systems; PSD2 re-certification
2017: Expansion into additional European countries
2015: 10th anniversary of the ATM business, with around 650 units