Somerset has been named as one of the worst places with ATM provision.
Over 200 communities in Britain are affected, with some having no cash machines at all.
The area near Taunton and Bridgwater, specifically the TA7 postcode is the worst in the county, according to the research by Consumers' Association Which?.
Proposals by the UK's cash machine network could affect the access to free-to-use ATMs by rural areas already struggling to access cash after bank closures.
LINK proposes a "20% reduction in interchange rates over the next four years, from around 25p to 20p per cash withdrawal".
It says it will retain an extensive network of free ATMs for consumers, "whilst avoiding the growth in ATM numbers that has occurred over recent years, despite declining consumer demand for cash for payments".