Texas Bitcoin ATM Regulations

Review and sources

Summary reviewed: 2026-03-24. Official source. This is a dated summary; later amendments may change these requirements.

Licensing requirements

Texas regulates money services businesses through the Department of Banking and has published Supervisory Memorandum 1037 on the regulatory treatment of virtual currencies.

Texas does not simply wave Bitcoin ATM operators through or ban them. Instead, it analyzes whether the business is receiving money or monetary value for transmission under the state’s money services framework.

Texas has not enacted a kiosk-specific Bitcoin ATM consumer-protection statute with daily caps or fee caps.

Federal requirements

Texas operators still need federal MSB, AML, sanctions, and suspicious-activity controls in addition to any state licensing analysis.

• 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

Texas Department of Banking is the main public contact for scam complaints and consumer questions in Texas.

Consumers can start with Texas Department of Banking.

• Texas publishes a money services complaints page for consumers and businesses.
• Consumers should verify the provider’s status before using a kiosk or hosted service.
• Keep receipts and wallet details if you suspect a scam or unauthorized activity.

Operator Requirements

Texas licensing analysis is highly fact dependent.

• The Department’s memorandum focuses on who receives the customer’s money and where the value is transmitted.
• Operators that handle both fiat and virtual currency should not assume an automatic exemption.
• A kiosk business should map the exact role of each entity in the transaction before launch in Texas.

Sources and legislation

Primary state framework: Texas Finance Code money services framework and Supervisory Memorandum 1037.

Primary regulator: Texas Department of Banking.

Texas relies on its money services framework and Supervisory Memorandum 1037 rather than a Bitcoin ATM-only statute.

Official source: state licensing and guidance materials.

Transaction limits and fees in Texas

Our reviewed summary for Texas 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

• We last reviewed this summary against the official source on 2026-03-24.

Enforcement actions in Texas

Actions and findings by Texas authorities recorded in our operator trust data. Each affects that operator's trust grade.

• 2024-01-01 — Texas Department of Banking: Consent Order involving CoinFlip (resolved). DOB consent order regarding compliance matters

How Texas compares

Texas 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:

Bitcoin ATM scam warnings

The biggest risk at a Bitcoin ATM is a scammer directing the payment. The same scripts appear in Texas 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 Texas

Compare locations, operators, trust grades and reported hours in the Texas Bitcoin ATM directory, or read how Bitcoin ATM fees work before you go.