ATM Surcharge Fees in Florida: What Should You Charge in 2026?
Written by the myFloridaATM.com install team — Winter Park-based, ATM-only techs with 10 years and 75+ installs across Central Florida. Last updated October 16, 2026.
How much should I charge for an ATM surcharge in Florida?
Short answer: Set your ATM surcharge close to what nearby ATMs charge. Florida has no state dollar cap on ATM surcharges, so you choose the fee, but customers will walk to a cheaper machine if yours is well above the local norm. The fee must be disclosed on screen before the withdrawal so the customer can cancel (federal Regulation E).
The Central Florida Angle
How pricing tends to play out locally:
- Tourist areas such as International Drive and A1A usually tolerate higher fees than neighborhood stores.
- If a bank branch is next door, keep your fee competitive or volume will drop.
- Event weekends don’t justify raising your fee — volume does the work.
Should I charge less than the ATM down the street?
Usually match it rather than undercut it. Visibility and convenience win more withdrawals than a small fee difference.
How to Set Your Surcharge
- Check what ATMs within a few blocks charge
- Consider your customers: tourists and nightlife crowds tolerate higher fees than regulars
- Price for volume — a slightly lower fee can mean more withdrawals
- Review after 60–90 days and adjust
Surcharge vs. Volume Example
| Surcharge | Withdrawals / month | Monthly surcharge revenue |
|---|---|---|
| $2.50 | 360 | $900 |
| $3.00 | 300 | $900 |
| $3.50 | 240 | $840 |
Illustrative only — the right fee depends on your location.
Rules That Apply
- Fee disclosed on screen before completion, with an option to cancel (Regulation E)
- No Florida state cap on the surcharge amount
- Card networks may have their own disclosure rules
Frequently Asked Questions
Is there a limit on ATM fees in Florida?
Florida does not set a dollar cap on ATM surcharges. The fee must be disclosed before the transaction.
Can I change my ATM surcharge later?
Yes. The surcharge can be reprogrammed at any time on an owned ATM; on placement programs it is agreed with the provider.
Who gets the ATM surcharge?
On an owned ATM, you keep it less processing. On placement or partnership programs, the business earns an agreed commission.
Related: How much does an ATM make? · ATM compliance guide · ATM processing
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