Image copyright Getty Images Image caption Which? says the plans could lead to "mass closures" of ATMs

Plans to shake-up the UK's ATM network may leave many remote areas with little or no access to cash, consumer group Which? has warned.

Link - which manages the network - says there are too many cash machines in places where they are not needed.

Which? said it could lead to "mass closures" of free-to-use machines.

According to the consumer group, more than 200 communities in Britain already have poor ATM provision, or no cash machines at all.

It said 123 postcode districts did not appear to contain a single ATM, making many consumers reliant on access in nearby villages or towns.

Image caption Link says the number of free-to-use ATMs has grown markedly

Examples include:

Postcode district PE32 in Norfolk (which has a population of 15,300)

TA7 in Somerset (14,980)

TN27 in Kent (12,400)

NR16 in Norfolk (11,950)

and YO13 in North Yorkshire (10,110).

Gareth Shaw of Which? said: "Link's proposals could place a strain on communities across the UK that are already struggling to access the cash they need following mass [High Street] bank closures.

"The financial regulator must intervene to avoid this situation getting worse."

He said that those hit hardest would not be busy high streets, but ATMs in rural communities.

Link says it wants to lower its fees to card issuers by 20% over the next four years, from 25p to 20p per transaction.

This would make it less profitable to run an ATM in many areas.

However, it says there are too many cash machines in places where they are not needed, with around 80% located within 300 metres of other ATMs.

Protecting communities

It said the number of free-to-use machines had rocketed from 36,400 in 2007 to 54,950 last year.

John Howells, chief executive at Link, said: "The UK has one of the largest free-to-use ATM networks anywhere in the world, and the number of free ATMs is at an all-time high and rising.

"We welcome the research produced by Which? and will review all of the areas that it has identified and take action if there is inadequate free ATM provision."

He said the organisation would protect free-to-use ATMs that are a kilometre or more from the next nearest free cash machine.

It plans to extend its Financial Inclusion Programme, which subsidises ATMs in less affluent and rural communities.