New Hampshire Bitcoin ATM Regulations
New Hampshire’s Banking Department says money transmitters dealing solely in convertible virtual currency are not licensed or supervised under RSA 399-G.
Review and sources
Summary reviewed: . Official source. This is a dated summary; later amendments may change these requirements.
Licensing requirements
New Hampshire’s Banking Department has published a position statement explaining that entities dealing solely in convertible virtual currency are not licensed or supervised as money transmitters under RSA 399-G.
The same statement says businesses that transmit traditional fiat currency, or both fiat and cryptocurrency, can still require licensure.
That makes New Hampshire another state where the exact mix of fiat and crypto activity matters for kiosk operators.
Federal requirements
Even when New Hampshire does not license crypto-only transmission, federal MSB and AML obligations can still apply.
- Register with FinCEN as a money services business when required by federal law.
- Maintain a written anti-money-laundering program, designate a compliance officer, and train kiosk support staff.
- Use customer identification, sanctions screening, and scam-escalation procedures sized to transaction risk.
- File Suspicious Activity Reports and Currency Transaction Reports when thresholds or facts require them.
Consumer protection
New Hampshire Department of Justice Consumer Protection Bureau is the main public contact for scam complaints and consumer questions in New Hampshire.
Consumers can start with New Hampshire Department of Justice Consumer Protection Bureau or call (603) 271-3641.
- The Banking Department directs consumers harmed by cryptocurrency transmitters to the Consumer Protection Bureau.
- Consumers should not assume an online or kiosk provider has state oversight just because it offers service in New Hampshire.
- Preserve wallet details, receipts, and chat logs if fraud is suspected.
Operator Requirements
New Hampshire is function-driven rather than label-driven.
- Crypto-only transmission is generally outside RSA 399-G licensing.
- Fiat transmission, or combined fiat-and-crypto transmission, can still require a license.
- Operators should document exactly how cash is accepted, held, and delivered before relying on the exemption.
Sources and legislation
Primary state framework: RSA 399-G and New Hampshire Banking Department position statement on cryptocurrency jurisdiction.
Primary regulator: New Hampshire Banking Department.
New Hampshire’s current framework is defined by RSA 399-G and the Banking Department’s published position statement rather than a kiosk-only Bitcoin ATM law.
Official source: state licensing and guidance materials.
Pending legislation
SB 482-FN passed both New Hampshire chambers and now sits on the governor's desk awaiting signature. The bill imposes the most aggressive scam-refund window in the country (14 days), full identity verification on every transaction with no lighter-touch KYC carve-outs, and mandatory blockchain analytics screening of every transaction.
- Daily cap: $2,000 per customer.
- 14-day scam refund window — operators must refund documented fraud-induced transactions reported within 14 days.
- Blockchain analytics on every transaction to screen destination addresses.
- Full KYC on every transaction regardless of size.
- Sanctions screening obligations.
- Mandatory fraud warnings at every kiosk.
If signed, the law takes effect 180 days after passage — roughly October 2026 — giving the ~127 Bitcoin ATM operators in the state a transition window to build compliance infrastructure.
Transaction limits and fees in New Hampshire
Our reviewed summary for New Hampshire records no kiosk-specific daily transaction limit or fee cap.
Without a state cap, limits and fees are set by each operator, and they vary widely — check the on-screen quote, including the exchange-rate spread, before inserting cash.
Key dates
- Status recorded as of .
- We last reviewed this summary against the official source on .
How New Hampshire compares
New Hampshire is among the 29 jurisdictions in our dataset without a kiosk-specific transaction limit; 18 others set one. See every state side by side on the regulations overview.
Rules change at the state line. If you live near a border, the kiosk you use may be governed by a neighbor's law:
| Neighboring state | Status | Daily limit | Fee cap |
|---|---|---|---|
| Maine | Active | $1,000/day | Greater of $5 or 3% |
| Massachusetts | General (Fact Specific) | None recorded | None recorded |
| Vermont | Banned from July 1, 2026 | Prohibited | — |
Bitcoin ATM scam warnings
The biggest risk at a Bitcoin ATM is a scammer directing the payment. The same scripts appear in New Hampshire as nationwide:
- Government or police impersonation — a caller says you owe a fine or your accounts are frozen and must be "protected" in Bitcoin.
- Tech-support and bank-fraud alerts — a pop-up or call claims your computer or bank account is compromised.
- Romance and investment schemes — an online contact steers you to "invest" or send help through a kiosk.
- Utility shut-off threats — a caller demands immediate payment to keep service on.
No government agency, utility, bank, or legitimate business asks to be paid through a Bitcoin ATM. If someone is on the phone telling you which buttons to press or gives you a QR code to scan, stop. Bitcoin transactions are generally irreversible once confirmed.
Find a Bitcoin ATM in New Hampshire
Compare locations, operators, trust grades and reported hours in the New Hampshire Bitcoin ATM directory, or read how Bitcoin ATM fees work before you go.
Frequently asked questions
Are Bitcoin ATMs legal in New Hampshire?
Yes, Bitcoin ATMs can operate in New Hampshire. New Hampshire’s Banking Department says money transmitters dealing solely in convertible virtual currency are not licensed or supervised under RSA 399-G.
What is the Bitcoin ATM daily limit in New Hampshire?
Our reviewed summary records no kiosk-specific daily limit in New Hampshire; each operator sets its own limits, usually tied to how much identification you provide.
Is there a cap on Bitcoin ATM fees in New Hampshire?
Our reviewed summary records no statutory fee cap in New Hampshire. Total costs at Bitcoin ATMs commonly run well above exchange fees once the exchange-rate spread is included, so compare the final quote before paying.
Do Bitcoin ATM operators need a license in New Hampshire?
New Hampshire’s Banking Department has published a position statement explaining that entities dealing solely in convertible virtual currency are not licensed or supervised as money transmitters under RSA 399-G.
Where do I report a Bitcoin ATM scam in New Hampshire?
Contact the operator's support line immediately (the number is on the kiosk and receipt), then file reports with local police, the FBI's Internet Crime Complaint Center (ic3.gov), and the FTC (reportfraud.ftc.gov). You can also contact the New Hampshire regulator through the official source linked on this page.