from Tom Fender, MD, Harris International Marketing

Sir; The debate about cash machines and surcharges applied by providers has failed to recognise there are more surcharge-free cash machines in the UK than 20 years ago. So UK consumers have just as many free withdrawal options.
Withdrawals are usually part of a wider shopping mission to c-stores - 60% of shoppers who withdraw money buy products in the shop. Most shoppers are prepared to pay a premium for products in c-stores over the price charged by superstores because convenience is more important than pure price.
In addition, how many banks have car parks? Every forecourt shop gives shoppers the chance to use a cash machine. And many c-stores have car parks. Customers don’t like the lack of banking or PO services in their neighbourhoods and will pay for the convenience of having them day and night.