The UK’s Payment Systems Regulator (PSR) has announced the revocation of Specific Direction 4 (SD4), Specific Direction 4a (SD4a), Specific Direction 2 (SD2), and Specific Direction 2a (SD2a), which regulate the LINK ATM network, effective from 25 August 2025 for SD4/4a and 27 August 2025 for SD2/2a. The move follows a consultation held in June 2025 and responds to LINK’s request in June 2024 for these requirements to be lifted, citing changes in market conditions and the limited impact of competitive tender obligations.
LINK serves as the central interbank payment system connecting ATMs across the UK, helping to ensure consumers have access to free cash withdrawals nationwide. SD4 was introduced in June 2017 after a review of the payment infrastructure market, initially requiring LINK to procure its central infrastructure services through competitive tendering from 2 October 2031. Vocalink was selected as the service provider following a tender process in October 2021.
The PSR states that maintaining these directions has become costly for stakeholders and may restrict innovation and competition. By revoking SD4, SD4a, SD2, and SD2a, LINK and participating banks are expected to gain greater flexibility to adjust fees, invest in new technology, and maintain a sustainable network of fee-free ATMs. This regulatory change aims to support reliable, quick access to cash for UK consumers without imposing unnecessary burdens on the ATM ecosystem.
| Key Points | Effective Date | More Information |
|---|---|---|
| Revocation of SD4 & SD4a (LINK ATM rules) | 25 August 2025 | PSR announcement |
| Revocation of SD2 & SD2a | 27 August 2025 | Payment system updates |
| Future LINK contracts must use competitive tenders from 2031 | From 2 October 2031 | ATM/Payout insights |
For casino players and others relying on quick and secure cash access, these changes highlight an evolving regulatory landscape focused on flexibility and resilience in payment infrastructure. For additional details about ATM withdrawals, payout methods, and regulatory news, visit our guides on bank transfer withdrawals, Payz payout guide, instant e-wallets vs slow cards, common withdrawal issues, and our about us page for more information on our mission and services.
