North American PaymentsInsights, Canada – ATMs: Used for More than Just Cash


ATMs in Canada are used for all types of transaction. A new report in Mercator Advisory Group’s North American PaymentsInsights survey series finds that Canadians are using ATMs for deposits and a variety of transactions.

Author: Peter Reville
Published on: April 10, 2020

Mercator Advisory Group’s most recent consumer survey report in the NorthAmerican PaymentsInsights, Canada series, ATMs: Used for More than Just Cash, takes an in-depth look at Canadian consumers’ current perspectives on and usage of ATMs. The report presents the findings of the 2019 Technology Survey, a web-based survey of a representative sample of Canadian adults age 18 and older that was fielded between November 11 and December 3, 2019 using a Canadian online consumer research panel.

This survey report explores how Canadians use ATMs for cash withdrawals, deposits, and other types of transactions. It also presents data on their opinions about paying ATM fees and the new ways they can authenticate themselves at the ATM.

“This is the first year Mercator Advisory Group’s North American PaymentsInsights survey series has explored the Canadian ATM market in detail. Quite a bit of thought-provoking information was uncovered by the 2019 survey. In this report, we examine the different ways that Canadian consumers are using ATMs, how they think about them, and the features and functions they consider important,” stated the author of the report, Peter Reville, director of Primary Data and Analytics at Mercator Advisory Group, which includes the North American PaymentsInsights series.

This report in slide form is 59 pages long.


Highlights of this report include:


  • Frequency of ATM usage
  • Uses of ATMs other than deposits and withdrawals
  • Usage of consumers’ primary financial institutions’ branch-based ATMs versus other ATMs
  • Attitudes toward ATM surcharges
  • Preferences for in-store cash back versus ATMs
  • Preferences for making deposits
  • Reasons for not making deposits at ATMs
  • New ways for users to authenticate themselves at ATMs
  • Interest in new ATM transaction types



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