Bank of Lithuania

Cash payments at points of sale and between individuals are still an important payment method in Lithuania. Cash withdrawal services are provided through ATMs, offices of credit institutions, retail outlets, etc. in Lithuania but ATMs are the main channel of access to cash for the public and alternative cash withdrawal methods are currently not equivalent to ATM services. In view of this, the Bank of Lithuania has launched a dialogue among financial market participants and the Memorandum of Understanding was signed in June 2021 by the Bank of Lithuania, Association of Lithuanian Banks, Lithuanian branch of AS Citadele banka, Luminor Bank AS Lithuanian branch, AB SEB bankas, Swedbank, AB, AB Šiaulių bankas, Revolut Payments, UAB and the Lithuanian Central Credit Union. Under this Memorandum, the market participants undertake to expand the cash access network in the regions, improve access conditions for consumers and, among other things, improve the services provided at alternative cash access points (other than ATMs).

Įvadinis tekstas

The Bank of Lithuania monitors the fulfilment of commitments of this Memorandum, advises the parties to the agreement, publishes a map of locations of cash access points and publishes an annual review of access to cash in Lithuania.

As part of the Eurosystem, the Bank of Lithuania participates in and implements decisions on the euro area cash policy. One of the key functions of the Eurosystem is to ensure an uninterrupted supply of cash and facilitate cash payments.

Memorandum of Understanding for Ensuring Access to Cash in Lithuania (207.3 KB download icon).


More on the provisions of the Memorandum 

  • By signing the Memorandum, seven financial and credit institutions in the country have committed to doubling the number of locations where cash can be withdrawn within one year (by 1 July 2022). With ATMs currently up and running in 91 localities, access to cash withdrawal points within a year should be ensured in at least 191 localities.
  • Financial market participants have committed to ensure that within one year (by 1 July 2022) at least 90% of the population of Lithuania will have a cash withdrawal point (an ATM or an equivalent point) within 10 km (distance travel*) of their declared place of residence or 99% of the population within 20 km.
  • The development of cash access points will focus on localities with a population of up to 4,000. Access to cash will be ensured through ATMs or alternative cash access points (e.g. point-of-sale cash withdrawal services provided by partners of banks), provided that the conditions of cash withdrawal services are equivalent to those of ATMs. If the population of the locality is more than 2,000 and there is no cash withdrawal point within 10 km (travel distance), an ATM will be built. ATMs should be installed in at least 50 localities, while other solutions can be used in other locations.

*Distance travel is the distance that an individual would normally have to travel to reach a cash access point. For instance, if a river crossing is required, the calculation of actual travel takes into account the fact that the individual would need to travel to the nearest bridge.

Moreover, the conditions of residents’ access to cash will be improved:

  • cash access points will need to have a sufficient supply of cash with available banknotes of both large and small denominations (€10, €20 or €50);
  • cash access points will be open for cash withdrawal for at least 12 hours a day between 6.00 a.m. and midnight or, in the case of an indoor access point, at a time when that space is open to the public.

This Memorandum has been signed by the Lithuanian branch of AS Citadele banka, Luminor Bank AS Lithuanian branch, Swedbank, AB, AB SEB bankas, AB Šiaulių bankas, Revolut Payments, UAB and the Lithuanian Central Credit Union as well as the Bank of Lithuania and the Association of Lithuanian Banks. Other financial market participants providing cash-related services are also invited to join.

Accessibility map (ATMs and equivalent alternatives)

An interactive accessibility map and a display panel have been developed to monitor the situation of access to cash in Lithuania.

ATMs of banks operating in Lithuania on 9 June 2021 are marked in green. Individual ATMs can be seen by zooming in. The bank and the ATM address is displayed by clicking on an ATM on the map.

Access to cash is measured as the percentage of the population that is within a certain distance (travel distance) from their declared place of residence to a cash access point. The results of access to cash indicators as of 9 June 2021 are shown on the left side of the map.

The areas of accessibility at different distances are shown on the map in the corresponding colours: yellow for a cash access point within 5 km, dark yellow within 10 km, grey within 15 km and dark grey within 20 km. The accessibility layer can be switched on and off by clicking on the icon of layers in the top right corner of the map and selecting the “ATM accessibility within a certain distance” layer from the drop-down layers. The desired accessibility distance (within 5, 10, 15, 20 km) can be selected in the filter above the map (“Accessibility”).

It is also possible to see the population density on the map by clicking on the icon of layers.

The relevant locality can be found by using the search option in the top right corner of the map.


Population: Data from the 2020 pilot census of Statistics Lithuania.
Information on declared places of residence and residential areas: Up-to-date data from the Register of Addresses and Population Register of the Centre of Registers.
Road and street network data: Centre of Registers, Lithuanian Road Administration, HNIT-BALTIC, UAB.
Population density data: Statistics Lithuania.


As of 9 June 2021, there were 1,044 ATMs of banks operating in Lithuania in 91 localities: 82% of the population can reach the nearest ATM within 10 km and 95% within 20 km.

Last update: 09-07-2021.


Last update: 19-07-2021