A Talking ATM is a type of automated teller machine (ATM) that provides audible instructions so that persons who cannot read an ATM screen can independently use the machine. All audible information is delivered privately through a standard headphone jack on the face of the machine or a separately attached telephone handset. Information is delivered to the customer either through pre-recorded sound files or via text-to-speech speech synthesis.
The world’s first talking ATM for the blind was an NCR machine unveiled by the Royal Bank of Canada on October 22, 1997 at a bank branch on the corner of Bank Street and Queen Street in Ottawa, Ontario. The talking ATM was a result of concerns Chris and Marie Stark, two blind customers, raised with the bank beginning in 1984. Their concerns turned into a discrimination complaint with the Canadian Human Rights Commission in 1991. The machine was manufactured by NCR and adapted by Ottawa based T-Base Communications at a cost of about $500,000 Canadian dollars.
A user plugs a standard headset into the jack, and can hear instructions such as "press 1 for withdrawal", "press 2 for deposit." There is an audible orientation for first time users, and audible information describing the location of features such as the number keypad, deposit slot, and card slot.
Talking ATMs in Australia
Talking ATMs in Canada
- Relevant legislation and standards
- Canadian Human Rights Act
- Canadian Standards Association:CAN/CSA-B651.2-07 (R2012) – Accessible Design for Self-Service Interactive Devices
Talking ATMs in the Philippines
Metrobank uses talking ATMs.
Talking ATMs in Turkey
Yapı ve Kredi Bankası implemented the first Talking ATMs in Turkey in December 2010. The Talking ATM function is specifically designed for visually impaired or partially sighted customers of Yapi Kredi or other banks. Utilising the text-to-speech technology, customers can perform cash withdrawal or balance inquiry transactions via Talking ATMs. The audible transaction starts when a headphone plug is connected to the Talking ATM's headphone jack, and is terminated for security when the jack is disconnected. Optionally, the customer may select to mask the account information on the ATM screen.
Talking ATMs in the UK
Barclays is the only major high street bank in the UK to have deployed Talking ATMs at scale. Over 80% of their 4,100 their ATMs now offer the functionality. This includes the 800 ATMs at ASDA superstores which are operated by Barclays. In addition, Northern Bank in the UK have deployed 85 talking cash machines out of their estate of over 200 which amounts to 40 per cent of their estate. Most recent machines installed by banks include a standard audio jack for blind persons to interact with the machine, but these facilities have not yet been enabled.
In 2011 the UK's leading charity for blind and partially sighted people, RNIB, launched a campaign to get major banks to install talking cash machines. They had also been working with LOCOG from 2009 to ensure that talking cashpoints would be provided in the Olympic Park for the London 2012 Olympics and Paralympics. However, a few weeks before the Games, sponsor and sole provider Visa announced that they would only be able to install the necessary software in time on two machines.
In April 2013 RBS publicly announced as part of their 2012 Sustainability report that they would be installing Talking ATMs from 2014 onwards, as part of a wider ATM upgrade. 
Talking ATMs in the US
The first public actions in the United States to achieve ATM access for the blind occurred in June 1999. On June 3, Mellon Bank and PNC Bank were sued in federal courts in Philadelphia and Pittsburgh respectively. On June 25, 1999, Wells Fargo became the first major bank in the United States to commit to installing talking ATMs. In a legal settlement with blind community leaders, the bank agreed to install a talking ATM at all of its 1,500 ATM locations in California. The company has subsequently installed talking ATMs at all ATM locations in all states. In July 1999, Citibank agreed to pilot five talking ATMs in and around San Francisco and Los Angeles. The Citibank machine represented a unique engineering and research challenge as it uses a touch screen interface and has no function keys to offer access to the blind. All Citibank locations with this kind of machine have been adapted with talking functionality.
The first talking ATM in the United States was a Diebold machine installed on October 1, 1999 in San Francisco’s City Hall by the San Francisco Federal Credit Union. Like the Royal Bank machine, it was adapted by T-Base Communications. In March 2000, Bank of America became the first financial institution to commit to installing a talking ATM at all of its ATM locations nationwide. A legal settlement called for the installation of hundreds of machines with later negotiations for a schedule for the remainder.
- Relevant legislation and standards
Talking ATMs in India
In 2012, Public sector leader Union Bank of India unveiled India's first ever Truly Accessible and Talking ATM  in Vastrapur, Ahmedabad, Gujrat on 6 June 2012 for the visually and physically challenged people. Union bank of India has done pioneered work on Talking ATM in India. Union Bank’s Talking ATM model and workflow has set a benchmark. Union Bank of India has also developed Talking ATM usage accessible manuals in DAISY and electronic Braille formats. Accessible instructions manuals can be easily downloaded from bank’s website. 
Talking ATMs today
With the increasing processing power available inside ATMs today, most ATM manufacturers provide the ability to connect headsets to their ATMs. Speech features are now available from lower-cost ATM producers, which means that the technology should gradually appear in off-premise ATM installations as equipment wears out and is replaced.
- Alliance for Equality of Blind Canadians
- Ottawa Sun, October 23, 1997
- You Can Bank on It: Features, Technology, and Locations of Talking ATMs, American Foundation for the Blind, January 2003. Retrieved 2012-08-31.
- Westpac installs first talking ATMs, finextra.com, 2002-03-21.
- Audio ATMs...Then & Now at the Wayback Machine (archived December 23, 2010), ATMmarketplace.com, 2002.
- Edmonton Journal, January 28, 2003.
- CAN/CSA-B651.2-07 (R2012) – Accessible Design for Self-Service Interactive Devices, Canadian Standards Association, 2012
- Make Money Talk. RNIB, 2011.
- Barriers to financial inclusion. RNIB, 2011.
- Cash machine campaign, RNIB
- Mason, Tania (2012-08-31). "RNIB attacks Locog and Visa over inaccessible Olympic cashpoints". Civil Society. Retrieved 2012-08-31.
-  RBS 2013 Sustainability report.
-  The Philadelphia Inquirer June 4, 1999 (via National Council on Disability Document Archive)
-  Goldstein, Demchak, Baller, Borgen & Dardarian law firm
-  Disability Rights Education and Defense Fund (DREDF)
-  The San Francisco Examiner (via National Council on Disability Document Archive)
- Union Bank of India unveiled India's first 'Talking ATM', www.bankingawareness.com
- State Bank of India launched its first ever 'Talking ATM' in New Delhi, www.bankingawareness.com