Deciding which cash recycler is right for your institution is a tough process and it gets a bit harder when you start comparing and contrasting technical components of various machines. Before long, the technical jargon starts sounding like a foreign language.
I’d like to give an unbiased look at the differences between rolled storage and stacking cassettes as it relates to cash recyclers. Let’s take a look at both technologies and understand the good and the bad of each.
Stacking cassettes store notes just like a normal ATM cassette. The difference is that the cash recycler is both stacking and storing the notes as they are processed through the unit. The notes are placed on top of each other, stacked from the bottom of the cassette to the top. When a withdrawal is in progress, notes are removed just like an ATM with friction-based picking.
- Typically faster deposit and withdrawal speed.
- High capacity.
- Sometimes the cassettes can interface with an ATM.
- Fast manual cassette loading*.
*Although listed as an advantage, it begs the question of why would you ever load a cassette manually? Opening the safe is a security breach and would trigger an audit.
- Denomination configuration. Most machines are limited to six cassettes. This severely impacts the branches options for configuring denominations.
- Multi-pick errors. A byproduct of friction picking technology.
- Reject bin. By utilizing a reject bin, there are balancing issues triggering audits.
- Security. If the safe is opened, notes can be rapidly emptied from the cassette. (A higher level of vulnerability during a robbery event.)
Rolled Storage Cassettes
Rolled Storage cassettes roll the notes up on a small drum inside the cassette. Notes are held in place by thin clear strips of Mylar keeping the tension on the notes at all times. Depending on the machine, they are stored short-edge or long-edge first.
- Cassettes are small, allowing for 2 cassettes in the same physical dimension as 1 stacking cassette.
- Configuration options. You can increase the capacity of the more commonly circulated banknotes by assigning them to additional cassettes.
i.e. If 20’s are the most common banknote dispensed at your branch, you could assign 3 cassettes to that denomination.
- Modular. In many units, if a cassette fails it can be disabled without impacting the whole unit.
- Security. In the event of a robbery, notes cannot be easily removed manually.
- No reject bin. This reduces balancing errors and audits.
- Note acceptance. Less rejects.
- If notes are stored on a cassette for too long there is the possibility of “cupping”. This is more commonly an issue with cassettes that store notes short-edge first, rather than long-edge.
- More moving parts.
- Deposit and withdrawal speeds are normally slower than with stacking.