Systems and methods include a database of a financial institution that maintains a respective status of a plurality of mobile automated teller machines (ATMs), the status of each of the plurality of mobile ATMs indicating the location of the respective mobile ATM and the amount of cash available for withdrawal from the mobile ATM, a communication interface that receives a request for a mobile ATM from a user device via a network, the request including user device location data, a location processor that compares the user device location data to location data associated with the plurality of mobile ATMs, and determines a first mobile ATM from the plurality of mobile ATMs that is closest to the user device based on the user device location data, and a transaction processor of a backend system of the financial institution that processes a transaction based on received confirmation.