The outlines of the project to pool the ATMs of BNP Paribas, Société Générale and Crédit Mutuel Federal Alliance, which owns the CIC network, are emerging. At the end of 2025, around 7,000 withdrawal points will remain, BNP Paribas announced on Thursday, compared to some 15,000 distributors today.
“The objective for Cash Services is to have more than 5,000 branch sites, with one or more ATMs, to which we can add 2,000 non-branch sites, allowing cash withdrawals and deposits to all customers of all banks. of the consortium, Deputy CEO of BNP Paribas Thierry Laborde told AFP on the sidelines of a press conference on payments.
The figures given by the senior executive of the first French bank, also in charge of means of payment within the French Banking Federation (FBF), are to be compared with the approximately 15,000 ATMs (ATMs) currently in service. .
It is the urban areas where the four brands cohabit – BNP Paribas, SG (the new brand resulting from the merger between Société Générale and Crédit du Nord), Crédit Mutuel and CIC – which are mainly affected by this pooling. No ATM should be closed in rural and isolated areas, assured one of the three banks when presenting the initial project in October 2021.
The “Cash Services” distributors will give the possibility of withdrawing or depositing banknotes and coins, depositing checks, consulting their balance or editing an RIB. The pooling should limit so-called “moved” withdrawals, these withdrawals made outside the distributors of his own bank, billed to the customer according to the offer to which he has subscribed and from a certain number.
It also aims to reduce operating costs for banks: fewer ATMs means less costs for supplies, maintenance, comings and goings of cash carriers… The total number of ATMs is already falling in France. The metropolis lost on average just over 2 per day in 2021. It had 47,853 ATMs at the end of the same year, according to the Banque de France, i.e. almost 10% less than at the end of 2018 .