National Cash Scheme for a Consistent Customer Experience
Previously, ATM users only had access to the full range of functions at their own bank's ATMs. The creation of the National Cash Scheme (NCS) has removed these restrictions. NCS is a national set of rules that will allow all business transactions to be processed on other banks’ ATMs in future. NCS gives participating banks the opportunity to offer their own services more efficiently and without restrictions. End customers benefit from a significant improvement in services and a standardized customer experience across all cash transactions in Switzerland and Liechtenstein.
How You Will Benefit
Complete range of functions even at other banks’ ATMs
Multilateral and open set of rules that all market participants can follow on equal terms
Flexibility for pioneering cash transaction technology.
A Lever for Innovation
The National Cash Scheme defines the contractual basis for being able to process all business transactions on other institutions’ ATMs in future. The rules are designed so that new providers can participate in the NCS at any time and on the same terms, thus ensuring equal opportunities for all market participants. The rules are also designed to be technology agnostic. By doing this, the NCS creates a framework for promoting innovative technologies independently of payment cards, such as using QR codes for cash withdrawals.