🏧ATM Availability

How the Raw Value Is Calculated

The raw value is the number of ATMs per 100,000 adults. It is taken directly from World Bank series FB.ATM.TOTL.P5, which is based on the IMF Financial Access Survey. Nomadino uses the latest available non-empty value for each country.

The unit is intentionally narrow: it counts ATMs relative to the adult population. Card payments, cash culture, bank branches, bank fees, fintech and international card acceptance are not mixed into the raw value.

The rating rises monotonically with the raw value. Additional ATMs receive diminishing extra points above high densities, because a country does not become twice as practically useful simply because it has even more ATMs per adult.

The point scale therefore uses diminishing returns: very low densities below 5 ATMs per 100,000 adults rank low, around 20 ATMs reaches the middle range, around 80 ATMs is already very high, and values around 200 or more are treated as practical saturation.

For countries and territories without a separate World Bank or IMF series, Nomadino uses maintained replacement values. They are checked against administering states, older FAS values, national central banks, payment-system reports and regional peers.

One important limitation remains: the metric measures density, not spatial distribution. ATMs can be concentrated in cities, so the raw value does not mean that rural areas are equally well covered.