Mr. Gavin Purtill:

In terms of the architecture for ATMs at the moment, the ownership by banks is approximately 29% or 30%, so it is one third of that. We are looking to ensure that anybody who takes advantage or makes use of the infrastructure is required to contribute to that. We are, therefore, looking at An Post, credit unions and digital banks.

In terms of the UK's approach, they look at current accounts and they do not include that requirement for household deposits. That criteria would bring those into scope.