The banking industry has evolved to become more adaptable and tech-savvy. In this age of digital transactions, it is rare to need cash to make purchases. Mostly, people use credit cards or mobile payment apps. However, there may be times when you need cash. Many banks let you use an ATM to take money from your account without a physical card.
In this article, we’ll cover how to withdraw money from an ATM without a card. Discover the benefits of cardless cash withdrawals and the transaction limits and fees associated with cardless ATM withdrawals.
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Methods for Cardless ATM Withdrawals
You can use the following methods to withdraw cash from an ATM without a card:
- Using UPI
- Internet banking
- Mobile banking apps
Using UPI to Withdraw Money From an ATM Without a Card
By using this feature, you can withdraw money without an ATM card. Use your Google Pay app instead of your debit card. Follow these steps to withdraw money from an ATM through Google Pay:
Step 1: Visit your nearest ATM that supports UPI cash withdrawals.
Step 2: On the ATM screen, select “UPI Cash Withdrawal,” “ICCW,” or “Interoperable Cardless Cash Withdrawal”.
Step 3: Enter the withdrawal amount.
Step 4: The ATM will display a QR code.
Step 5: Open your UPI app, like Google Pay, and scan the QR code.
Step 6: Select the bank account to withdraw from.
Step 7: Enter your UPI PIN to authorise the transaction.
Step 8: The ATM will dispense the cash once the payment is successful.
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Cardless Cash Withdrawal from ICICI Bank ATM
To initiate a cardless ATM cash withdrawal from ICICI, simply login to iMobile first and then follow these steps:
Step 1:
- Login to the ICICI Bank iMobile app.
- Go to Services > Cardless Cash Withdrawal.
- Enter the withdrawal amount, select the account, and set a 4-digit temporary PIN.
- Confirm the details and submit.
- You will receive a 6-digit code via SMS, valid for 6 hours.
Step 2:
Once you’re done with the above steps, visit an ICICI Bank ATM and enter the following:
-
- Registered mobile number
- Temporary 4-digit code you set
- 6-digit SMS code
- Exact withdrawal amount
- The cash will be dispensed upon successful authentication.
- Withdraw the entire amount in one transaction.
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Cardless Cash Withdrawal from HDFC Bank ATM
You can use the Cardless Cash feature with HDFC Bank in the following ways:
Requesting Cardless Cash Withdrawal
Step 1: Login to HDFC Bank NetBanking and go to Funds Transfer > Cardless Cash Withdrawal.
Step 2: Select the debit account and beneficiary details, and click Continue.
Step 3: Confirm beneficiary, enter withdrawal amount (minimum ₹100, maximum ₹10,000/day or ₹25,000/month- limits), and enter OTP.
Step 4: The beneficiary will receive a 4-digit OTP and 9-digit order ID via SMS.
Step 5: Visit an HDFC Bank ATM and select the “Cardless Cash” option.
Step 6: Enter OTP, beneficiary mobile number, 9-digit order ID, and transaction amount.
Step 7: Once validated, the ATM will dispense the cash.
Cardless Cash Withdrawal from From SBI ATM
To initiate a cash withdrawal without an ATM card, simply login to your YONO mobile application first and then follow these steps:
Step 1: Visit a YONO Cash-enabled SBI ATM.
Step 2: Click on “YONO CASH.”
Step 3: You will get a “Transaction Reference Number” via SMS. Enter it.
Step 4: Enter the amount you want to withdraw (same as the YONO Cash request).
Step 5: Enter your YONO Cash PIN.
Step 6: You’re done. The cash will be dispensed.
Cardless Cash Withdrawal from From Kotak ATM
By following these steps, you can learn how to withdraw money from ATM without a card:
Step 1: Firstly, log in to your Mobile/Net Banking application or portal.
Step 2: Select ‘Banking’ and then ‘Cardless Cash Withdrawal (IMT).’
Step 3: Select ‘Self Withdrawal.’
Step 4: Set and confirm a 4-digit sender code. This will be required at the ATM.
Step 5: You will receive another 4-digit SMS code on your registered mobile number.
Step 6: Use both codes at any Kotak ATM to withdraw the amount.
Step 7: Choose ‘Withdraw cash without card (IMT)’ on the ATM screen.
Step 8: Enter your registered mobile number.
Step 9: Now, enter the 4-digit sender code that you set when starting the request.
Step 10: You’ll receive an SMS code from the bank. Enter it.
Step 11: Now, enter the withdrawal amount.
Step 12: You’re done. The cash will be dispensed.
Cardless Cash Withdrawal from From Axis Bank ATM
The sender first initiates the Instant Money Transfer (IMT) to transfer money from an ATM without a card.
Step 1: Log into Axis Bank Internet Banking.
Step 2: Select the “Instant Money Transfer (IMT)” option.
Step 3: Enter beneficiary details: name, mobile number, and address.
Step 4: Set a sender’s code (It will be needed by the beneficiary to withdraw cash)
Step 5: Enter the withdrawal amount.
Step 6: The beneficiary will receive the IMT details like:
- Amount transferred
- SMS code
- IMT ID (unique transaction reference)
- Expiry date
Now, the beneficiary can withdraw cash without a card at Axis Bank ATM by:
- Selecting “IMT” > “Withdraw IMT” on the ATM screen.
- Then, enter the mobile number where they received the IMT details.
- After that, enter the SMS code and IMT amount.
- The ATM will dispense cash on successful validation of the details.
Cardless Cash Withdrawal from From PNB (Punjab National Bank) ATM
Step 1: Select “Cardless Withdrawal” from the “Banking Services” tab on your PNB app and provide the relevant information.
Step 2: You will receive a 6-digit cash code, which is valid for 30 minutes.
Step 3: Now, visit any PNB ATM, select “Cardless Withdrawal,”
Step 4: Enter your mobile number and the cash code.
Step 5: Your withdrawal request will be completed.
Cardless Cash Withdrawal From Canara ATM
Step 1: Install the Canara Bank mobile banking app on your smartphone.
Step 2: Log in to the mobile banking app using your account details.
Step 3: Select the “Cardless Cash” option.
Step 4: Choose the account number from which you want to withdraw money.
Step 5: Enter the amount you want to withdraw (between ₹100 and ₹5,000).
Step 6: Canara Bank will send an OTP to your registered mobile number, valid for 15 minutes.
Step 7: Visit a Canara Bank ATM within this time frame.
Step 8: At the ATM, select “Cardless Cash.”
Step 9: Enter the OTP received.
Step 10: Enter the withdrawal amount.
Step 11: Collect your money from the ATM.
Related Read: How to Generate ATM PIN Using ATM, SMS, Net & Mobile Banking
Advantages of Withdrawing Money From an ATM Without a Card
Convenience and Flexibility
You have access to your money with a smartphone, eliminating the requirement for a physical card. This is handy if you forget your card or don’t want to carry it.
Enhanced Security
Cardless transactions reduce the risk of skimming or theft than typical card-based withdrawals. Additional security methods, such as biometric verification or one-time passwords, help to secure transactions.
Speed
Customers may rapidly finish the transaction using their mobile devices, making the cash withdrawal procedure more efficient.
Compatibility
Many banks provide cardless ATM withdrawals through their mobile banking apps, making it easier for consumers to access their accounts.
Related Read: How To Use ATM Cards – Steps to Follow
Conclusion
Cardless ATM withdrawals offer numerous benefits to users, including increased flexibility, enhanced security, and greater speed. As more banking institutions adopt this technology, the popularity of cardless ATM transactions continues to rise. Understanding how to withdraw money from an ATM without a card is becoming essential for users seeking a seamless and secure banking experience.
Related Read: Related Read: ATM Withdrawal Limit for 2024
Frequently Asked Questions
What is the maximum amount you can withdraw using an interoperable UPI ATM facility?
When using an interoperable UPI ATM in India, the maximum withdrawal amount per transaction is ₹10,000. This transaction limit is an element of the current UPI daily limit and could be subject to limitations imposed by the issuing bank. You have to enter the amount in multiples of ₹100.
Which banks have cardless ATM withdrawals?
Cardless ATM withdrawals are available from a number of Indian banks, majorly including Bank of Baroda, Axis Bank, Indian Bank, Central Bank of India, Bank of India, Canara Bank, Punjab National Bank, ICICI Bank, Yes Bank, IndusInd Bank, Utkarsh Small Finance Bank, Indian Overseas Bank, Union Bank of India, City Union Bank, HDFC Bank, State Bank of India, etc. Thanks to this service, customers may use UPI-enabled ATMs and mobile banking apps to withdraw cash without a physical card.
Can I Use My Phone To Withdraw Money From an ATM?
Yes, you can use your phone to withdraw cash from an ATM without a physical debit card. This is done through cardless cash withdrawal services using UPI-enabled apps like Google Pay. Once the transaction has been completed successfully, the ATM dispenses the cash.
How Do I Withdraw Money Using An ATM QR Code?
Open the Google Pay app on your smartphone, then scan the QR code that appears on the ATM screen. The payee information and amount are pre-filled. The pay flow screen lists all of the bank accounts qualified to receive cash withdrawals.
Are cardless ATM withdrawals safe?
In general, cardless ATM withdrawals are seen to be more secure than card-based transactions. Since no actual card is utilised, they lessen the chance of card skimming and physical card theft.
Are there any fees associated with cardless ATM withdrawals?
Cardless ATM withdrawals are usually free of additional costs. Nevertheless, there may be interbank fees (up to ₹21 + relevant taxes) for using ATMs owned by other banks.
What should I do if I encounter an issue during a cardless ATM withdrawal?
Your initial move should be to call your bank’s customer support line. After noting your concern and logging your transaction reference number, the executive will record your complaint and provide you with a complaint tracking number.