Few things are more frustrating than reaching an ATM only to find it’s out of cash. While this can happen at smaller or heavily used machines, you still have options. This guide explains why ATMs run out of cash, what you can do right away, and how to find alternatives so you’re never stuck without access to money.
Why ATMs Run Out of Cash
- High demand. Payday weekends, holidays, or large events can empty machines quickly.
- Maintenance delays. Smaller ATMs may not be refilled daily, especially in rural areas.
- Machine limitations. Some independent or retail ATMs only carry small amounts of currency.
- Technical errors. Jammed cassettes or dispenser malfunctions can block withdrawals.
What to Do Right Away
- Try a smaller amount. Sometimes the ATM has limited bills but can process lower withdrawals.
- Cancel the transaction completely. Always back out and verify your balance before leaving.
- Check your account. Use your bank’s mobile app to ensure no funds were debited incorrectly.
- Look for in-network ATMs. Use your bank’s locator to find the nearest branch machine. See our guide to finding fee-free ATMs to avoid surcharges.
Alternative Ways to Get Cash
- Branch teller visit. During business hours, you can withdraw larger sums directly with ID.
- Cash back at checkout. Many grocery stores and pharmacies allow $20–$200 per purchase.
- Use multiple cards. If you have more than one debit card, each may have its own withdrawal limit and network access.
- Mobile wallet at ATMs. Some banks allow cardless withdrawals with Apple Pay or Google Pay. Learn more in our guide to which ATMs work without a card.
How to Report an ATM That Is Out of Cash
If the ATM belongs to your bank, call customer service or use the app to flag the issue. For third-party or retail machines, note the ATM ID (usually on a sticker) and contact the operator. Reporting helps ensure the machine is refilled faster and protects you if any transaction errors occurred.
Preventing Future ATM Problems
- Plan ahead. Withdraw before weekends or holidays when demand spikes.
- Favor bank-owned ATMs. Branch machines are serviced more frequently than retail ones.
- Know your withdrawal limits. Check our ATM withdrawal limits by bank guide to avoid multiple trips.
- Carry a backup card or mobile wallet. Multiple access options ensure you’re not stranded.
FAQs
Will an ATM charge me if it runs out of cash? No. If the machine cannot dispense money, you should not be charged. Always check your account to confirm no funds were debited.
Can I still deposit if the ATM is out of cash? Yes. In most cases, the cash cassette issue doesn’t affect deposits, but if the screen disables deposits, visit a branch.
What if my account shows a withdrawal but I got no cash? This is a “dispense error.” Contact your bank immediately. See our guide on what to do if the ATM took my money.
Are out-of-cash ATMs more common at retail stores? Yes. Independent ATMs at convenience stores or gas stations are restocked less frequently than bank branches.