Who makes them

Two companies put their name on most of the bank machines in the West. NCR Atleos, which was NCR's ATM business until the 2023 split, and Diebold Nixdorf, formed when Diebold of North Canton, Ohio bought Wincor Nixdorf of Paderborn in 2016. Hyosung of Korea is the third name on a branch tender, and GRG Banking of Guangzhou, founded in 1999, is one of the largest makers on earth by unit count. Below them sits a retail tier, Triton, Genmega and Tranax, now part of Hyosung, built for the convenience-store business that surcharge deregulation created on 1 April 1996.

The badge is not the machine. Take apart three competing machines from three brands and you will often find the same Japanese card reader in all three: Nidec Instruments, which built its first reader as Sankyo Seiki in 1971, reckons it supplies around 80 percent of the world's ATM card readers from two buildings. Pre-merger Diebold's recyclers contained Hitachi-Omron units; NCR's contain Fujitsu Frontech and Glory modules; the encrypting PIN pad in many of them came from Cryptera of Denmark, which Diebold bought in 2014 and kept selling to its competitors.

That pattern has a root. OKI shipped the first cash-recycling ATM in 1982, and for the next 25 years Japan's makers built the note-handling mechanisms everyone else's machines were designed around. Korea and China took the other road and built everything themselves. The Japanese field is now folding to a point: Omron sold out of its joint venture with Hitachi in 2021, Fujitsu handed its cash-module business to JCM in 2026, and in March 2026 OKI and Hitachi agreed to merge their ATM operations into one company.

Where the factories are is a shorter list than the brochures suggest. NCR Atleos told its shareholders in February 2026 that its primary internal manufacturing facility is in Chennai, with partner capacity in Budapest, a plant that was NCR's own until it was sold to a Foxconn subsidiary in 2022. Diebold Nixdorf has three sites and owns one of them. Paderborn, in production since Nixdorf built the halls in 1974, takes in forty tonnes of steel a day and needs about 200 days to turn an order into a delivered machine. The channel that installs and services the machines has consolidated too: NCR absorbed Cardtronics, the largest independent deployer, in 2021, and in February 2026 Brink's agreed to buy NCR Atleos itself.