Hello! In this post, we will cover the news reported on June 4, 2025, regarding the joint operation of ATMs by the three megabanks: MUFG Bank, Sumitomo Mitsui Banking Corporation (SMBC), and Mizuho Bank. This move aims to improve efficiency and user convenience in the financial industry, and future developments are being watched closely.

3 Megabanks Considering Joint ATM Operations

It has been revealed that the three megabanks—MUFG Bank, Sumitomo Mitsui Banking Corporation, and Mizuho Bank—have begun discussions toward joint operation of their ATMs. This could make it possible to use each other’s ATMs mutually, which is expected to significantly improve convenience for users.

Background and Objectives

The background of considering joint ATM operations includes the following factors:

Cost Reduction: Installing and maintaining ATMs incurs significant costs. Joint operations will make it possible to reduce these costs. Progress of Cashless Payments: In recent years, the spread of cashless payments has reduced the frequency of cash usage. Along with this, the utilization rate of ATMs has also declined, demanding more efficient operations. Improving User Convenience: By allowing mutual use of each bank’s ATMs, users will be able to utilize ATMs more conveniently.

Future Outlook

If the joint operation of ATMs is realized, users may be able to use the ATMs of each bank without fees. In addition, optimization of ATM locations and unification of services are also expected to proceed. This is anticipated to lead to further efficiency in financial services and improved user satisfaction.

The consideration of joint ATM operations by the three megabanks will be a step toward a major transformation in the financial industry. We will keep an eye on future trends and continue to bring you the latest information.