Why are the current ATMs being gradually replaced by the new BANCOMAT network?

The ATMs currently in service are gradually reaching the end of their technological lifecycle. The new BANCOMAT network will provide more modern, secure, accessible and future-ready machines designed to meet customers’ evolving needs.

What is a shared ATM?

A shared ATM is a machine that can be used by customers of all banks participating in the BANCOMAT network. In the long term, it will provide access to the same services currently available through the Spuerkeess S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.).

What are the concrete benefits for customers?

Once the BANCOMAT network has been fully deployed, our customers will benefit from access to an extensive nationwide ATM network and will progressively regain access to all services currently offered through the Spuerkeess S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.).

Does this project mean that cash will disappear?

No. On the contrary, the BANCOMAT project is designed to safeguard and ensure long-term access to cash throughout Luxembourg.

BANCOMAT: Luxembourg’s New ATM Network

Luxembourg’s leading banks are joining forces to offer you a more efficient and accessible ATM network: BANCOMAT.

Thanks to this network of more than 200 machines, you will benefit from:

Greater convenience: an easily accessible ATM wherever you are.
Greater simplicity: access to the network regardless of your bank.
Greater familiarity: enjoy your bank’s interface and services across the entire ATM network.
Greater practicality: withdraw and deposit cash using modern self-service machines.
Greater innovation: gradually benefit from new services and features (e.g. contactless withdrawals, Audio Guided ATM Assistance,...).

You will easily recognize BANCOMAT ATMs thanks to the BANCOMAT logo and the network’s distinctive machine design.

Gradual replacement of existing ATMs begins.
The first BANCOMAT ATMs (cash withdrawals only) are put into service, while the Spuerkeess ATM network (S-Bank) remains available..

Progressive rollout of all services currently available on the S-Bank network across the BANCOMAT network.

Completion of the BANCOMAT network rollout.
Decommissioning of the S-Bank network.

Freedom to choose between S-Bank and BANCOMAT ATMs until summer 2027.
In the longer term, access to a larger and more accessible network offering the same services currently available through the S-Bank network.

Important Information

Initially, the new BANCOMAT ATMs will offer cash withdrawal services only. During this transitional phase, cash withdrawals made with a credit card will only be available on a deferred debit basis. To support our customers during this period, Spuerkeess will cover the fees associated with these transactions until the direct debit cash withdrawal functionality for credit cards becomes available in a second phase.

View all FAQs

The ATMs currently in service are gradually reaching the end of their technological lifecycle. The new BANCOMAT network will provide more modern, secure, accessible and future-ready machines designed to meet customers’ evolving needs.
A shared ATM is a machine that can be used by customers of all banks participating in the BANCOMAT network. In the long term, it will provide access to the same services currently available through the Spuerkeess S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.).
Once the BANCOMAT network has been fully deployed, our customers will benefit from access to an extensive nationwide ATM network and will progressively regain access to all services currently offered through the Spuerkeess S-Bank network (cash withdrawals, cash deposits, foreign currency withdrawals, balance inquiries, etc.).
No. On the contrary, the BANCOMAT project is designed to safeguard and ensure long-term access to cash throughout Luxembourg.

View all FAQs

BANCOMAT: Luxembourg’s New ATM Network

Multi-phase rollout starting in August 2026

Thanks to this network of more than 200 machines, you will benefit from:

Multi-phase rollout

Phase 1 – Summer 2026

Phase 2 – End of 2026 / Beginning of 2027

Phase 3 – Summer 2027

What this means for our customers

Important Information

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