Side Hustle With An ATM Machine: How To Earn Passive Income


Side hustles have become increasingly popular in recent years, as people look for ways to supplement their income and achieve financial freedom. One option that has gained traction is investing in an ATM machine. With the rise of cashless payments, it may seem counterintuitive to invest in a machine that dispenses cash. However, the demand for cash is still high, and owning an ATM machine can be a lucrative side hustle.

An ATM machine is a self-service kiosk that allows customers to withdraw cash from their bank accounts using their debit or credit cards. As a business owner, investing in an ATM machine can provide a passive income stream that requires minimal effort. Typically, ATM operators earn revenue from surcharges, which are fees charged to customers for using the machine. The surcharge amount can vary, but it is usually around $2 to $3 per transaction.

Understanding ATM Side Hustles


What is an ATM Side Hustle?

An ATM side hustle is a business venture that involves owning and operating an ATM machine. Essentially, you purchase an ATM machine and place it in a strategic location, such as a busy mall or convenience store. You then earn a commission every time someone uses the machine to withdraw cash. You can find more useful information on

The Benefits of Starting an ATM Side Hustle

There are several benefits to starting an ATM side hustle. First and foremost, an ATM machine can provide a passive income stream. Once the machine is set up and operational, it requires very little effort on your part to maintain. You simply collect the cash and refill the machine when needed.

Another benefit is the potential for high profits. Depending on the location of your ATM machine, you could earn hundreds or even thousands of dollars per month in commission fees. Plus, since you own the machine, you have control over the fees you charge, which can further increase your profits.

Starting an ATM side hustle also requires relatively little investment. While the initial cost of purchasing an ATM machine can be significant, it is a one-time expense. Once you have the machine, there are no ongoing costs aside from occasional maintenance and cash refills.

Overall, it can be a great way to earn extra cash or start a small business. With the potential for passive income and high profits, it’s no wonder that ATM side hustles are becoming increasingly popular among college students and entrepreneurs alike.

Getting Started with an ATM Side Hustle


When it comes to starting it, there are several important factors to consider. Here are some key considerations to keep in mind:

Finding a Mentor

Before diving into the world of ATM side hustles, it can be helpful to find a mentor who has experience in the industry. This person can provide valuable guidance and advice on everything from choosing the right location to managing your finances. Look for someone who has successfully run an ATM business and is willing to share their insights with you.

Choosing the Right LLC

Setting up an LLC can help protect your personal assets in the event that something goes wrong with your ATM business. When choosing an LLC, consider factors like cost, ease of setup, and liability protection. It may be helpful to consult with a lawyer or accountant to help you make the best choice for your specific situation.

Location, Location, Location

The success of your ATM side hustle will largely depend on the location of your machine. Look for high-traffic areas like shopping malls, convenience stores, and gas stations. Keep in mind that you may need to pay rent to the property owner in order to place your machine on their premises.


Investing in high-quality ATM equipment is key to ensuring that your machine runs smoothly and reliably. Look for machines that are easy to use, have a high-capacity cash dispenser, and offer advanced security features like biometric authentication.


In order to keep your ATM machine fully stocked with cash, you will need to establish a relationship with a reliable cash supplier. Look for a supplier who can provide you with cash on a regular basis and who offers competitive rates.

By carefully considering these factors and taking the time to set up your ATM side hustle properly, you can set yourself up for success in this exciting and lucrative industry.

Maximizing Profits with Your ATM Side Hustle


Understanding Surcharge Fees

One of the key ways to maximize profits with an ATM side hustle is by understanding surcharge fees. A surcharge fee is the fee that an ATM operator charges to a customer for using their machine. As an ATM owner, you can set your own surcharge fee, but it’s important to be mindful of what other ATM operators in your area are charging to remain competitive.

However, if you’re using an ATM other than your side venture, do your best to make sure they do not charge fees, so you can keep that extra money in your pocket. At, you can get a no fee debit card that does not charge monthly or maintenance fees, nor does it charge fees when withdrawing cash.

Agreements with Convenience Stores and Hotels

Another way to maximize profits with your ATM side hustle is by establishing agreements with convenience stores and hotels. By placing your ATM in high-traffic areas like these, you can increase the number of transactions and generate more revenue. In exchange for allowing you to place your ATM on their property, you can offer a percentage of the surcharge fee to the store or hotel owner.

Accepting Credit Cards

To further increase profits, consider accepting credit cards at your ATM. This can be done by installing a card reader on your machine. By accepting credit cards, you can attract more customers who may not have cash on hand and generate more revenue through transaction fees.

Expanding to Real Estate

Expanding your ATM side hustle to real estate can also be a profitable move. By placing your ATM in apartment buildings or other rental properties, you can generate consistent revenue from tenants who need access to cash. You can also offer a percentage of the surcharge fee to property owners as an incentive to allow you to place your ATM on their property.

In summary, maximizing profits with your ATM side hustle involves understanding surcharge fees, establishing agreements with convenience stores and hotels, accepting credit cards, and expanding to real estate. By implementing these strategies, you can increase the profitability of your ATM machine and generate more revenue.



In conclusion, having an ATM machine as a side hustle can be a lucrative and rewarding endeavor for those willing to put in the time and effort. It provides a passive income stream that can supplement one’s primary source of income.

However, it is important to note that owning and operating an ATM machine requires careful planning and consideration. One must take into account the initial cost of purchasing and installing the machine, as well as ongoing expenses such as maintenance and cash replenishment.

Additionally, it is crucial to research and comply with all relevant regulations and laws governing ATM operation in one’s area. Failure to do so can result in legal consequences and financial penalties.

Overall, with proper planning and execution, a side hustle with an ATM machine can be a profitable and worthwhile venture for those with an entrepreneurial spirit.