Kontaktittomat

Kontaktittomat is a Finnish term for automated teller machines (ATMs) that support contactless transactions. These machines enable cash withdrawals and certain banking operations without the need to insert a card, by using near-field communication (NFC) or other contactless methods, and sometimes QR codes or app-based authentication. A typical workflow involves tapping a contactless card or a compatible mobile device on the ATM, then confirming the transaction with a PIN or within the mobile app. Some implementations require initiating the withdrawal in a banking app and presenting the device at the ATM, while others permit direct contactless card use.

The term is common in Finnish banking and fintech discourse and is associated with the broader move toward contactless payments and mobile wallets in Finland and the Nordic region. Features vary by network and bank but commonly include cash withdrawals, balance inquiries, and transfers. Security relies on standard ATM protections, including encryption, tokenization, and secure PIN entry; cardless workflows may use one-time codes or device authentication to reduce fraud risk. Potential limitations include uneven availability across machines, the need for compatible devices or cards, and occasional additional setup or enrollment steps.

See also: ATM, contactless payment, NFC, mobile payment.