23.07.2026 11:51
With the new technical regulation implemented in the banking sector, the era of small denomination banknotes at ATMs is coming to an end. Banks, whose physical cassette capacities have become insufficient, have started withdrawing 10, 20, and 50 TL notes from cassettes and filling the machines predominantly with 100 and 200 TL banknotes. Along with the regulation, the minimum withdrawal limit has been increased, and a "multiple transaction" requirement has been introduced for intermediate amounts.
With the quiet implementation of technical infrastructure regulations in the banking sector, a new era has begun at ATMs. Due to high cash demand and limited cassette capacity, banks have started removing 10, 20, and 50 TL banknotes from ATMs. As devices are predominantly loaded with 100 and 200 TL denominations, the minimum amount that can be withdrawn at once has also increased.
SMALL BANKNOTES ARE BEING REMOVED FROM ATM CASSETTES
Experts and industry representatives point out that the cash cassettes in ATMs have a limited physical capacity. Struggling to meet the increasing demand for high-value cash, banks have been forced to change their banknote distribution policy.
The key highlights resulting from the technical adjustments in transaction processes are as follows:
- Cassette preferences: At many locations, the use of small denomination banknotes such as 10 TL, 20 TL, and 50 TL has been reduced or completely eliminated in ATMs.
- Minimum amount restriction: The minimum withdrawal limit, which until recently was 20 TL or 50 TL, has changed. Since cassettes predominantly contain 100 TL and 200 TL banknotes, withdrawal requests below these amounts can no longer be processed.
- Multiple transaction requirement: This change has also brought a mandatory multiple transaction condition. For example, if you try to withdraw 350 TL from an ATM that only has 200 TL banknotes, the device rejects the transaction because it cannot break the amount into denominations. Customers are forced to withdraw amounts that are multiples of the banknote denomination in the device, such as 200 TL or 400 TL.
REASONS BEHIND THE INFRASTRUCTURE CHANGE
Finance and banking experts report that the emphasis on using high-value banknotes is aimed at optimizing ATM refilling, transportation, and logistics operations. Banks, seeking to extend the time between machine refills and reduce operational costs, prefer to fill cassettes with the highest denominations.
ENCOURAGING CARD AND MOBILE PAYMENTS
Meanwhile, authorities emphasize that the use of card and mobile payment methods is being encouraged instead of cash for small daily expenses. It is reported that these technical infrastructure changes will continue to be gradually implemented across the ATM networks of various banks.