This study looks at the preliminary development and evaluation of an icon-based ATM interface for use with functionally illiterate bank account holders. In the first part of the study functionally illiterate bank account holders were closely involved in the development of an icon set for the entire ATM withdrawal transaction. This involved target subjects providing descriptive information on possible icons and then evaluating these descriptions using an icon identification test. Although only seven of the 15 icons met the ISO criterion of 67% correct identification, the 'best' icons for each instruction were evaluated using one of three prototype interfaces -icon-only, text-only and textand-icon interface. Comparisons were made between these three interfaces, and a functionally illiterate group and a comparison literate group. Results suggested that within each group there were few significant differences based on the type of interface, although there were significant differences between the groups. Significant differences in the literate group were primarily due to prior exposure to similar ATM interfaces, whereas significant differences in the illiterate group were primarily due to icon comprehensibility.