CBI report: Ireland's cash access largely compliant, some gaps
The Central Bank of Ireland has published its first quarterly Access to Cash report, revealing that the country's cash infrastructure largely meets national criteria. However, six instances of minor shortfalls were identified, which designated banks are now required to rectify.
New data reveals Ireland's cash access landscape
The Central Bank of Ireland's inaugural quarterly Access to Cash report, published today, provides a comprehensive overview of the country's cash infrastructure as of December 31, 2025. Mandated by the Finance (Provision of Access to Cash Infrastructure) Act 2025, the report uses newly collected data to assess the number, location, and opening hours of ATMs and cash service points across eight geographical regions.
Criteria set by the Minister for Finance in November 2025 aim to maintain 2022 levels of access, accounting for market exits.
Overall, the report indicates that Ireland's cash infrastructure, comprising over 4,000 ATMs and 1,200 cash service points, remains largely in line with these national criteria.
However, six specific instances of minor shortfalls were identified across various regions.
Rectifying regional shortfalls
Deputy Governor Vasileios Madouros affirmed the Central Bank's commitment to ensuring cash availability.
He noted that while the overall infrastructure largely meets national criteria, the six identified shortfalls require rectification by designated entities: AIB, Bank of Ireland, and Permanent TSB.
The Central Bank has informed these firms, which are expected to submit proposals for resolution soon.
Madouros also highlighted a public consultation, open until March 4, on guidelines for assessing local deficiencies, encouraging public feedback.
From July onwards, individuals can submit concerns about local cash access.
First report, long road ahead
This inaugural report provides crucial transparency on Ireland's cash infrastructure, a vital step in safeguarding access for consumers and businesses.
While the overall picture is positive, the identified shortfalls underscore the ongoing challenge of maintaining equitable access in a rapidly digitizing economy.
The true test will be the effectiveness of the designated banks' rectification plans and the CBI's ability to address local deficiencies proactively.