DEPLOYMENT: Card issuers must deploy 1 ATM per 5,000 cards by 2028, starting with 30% in 2026. ATMs need CBN approval and secure placement.

REFUNDS: Instant reversal for failed “on-us” transactions; max 24 hours if manual. “Not-on-us” refunds within 48 hours.

SECURITY: ATMs must have cameras (no keystroke recording), anti-skimming devices, annual key changes, and comply with PCI DSS.

OPERATIONS: Max 72-hour downtime, constant cash availability, clear fee display, and receipts for transactions (except balance inquiries).

COMPLIANCE: CBN will audit compliance; monthly reports due by the 5th. Penalties for non-compliance.

Aims to enhance ATM access, security, and consumer protection.