While it’s common to use an ATM card when withdrawing cash from a machine, banks now offer various cardless cash withdrawal methods.
How to Withdraw Cash Without an ATM Card
- Withdraw cash from an ATM using your bank’s mobile app
Several banks offer cash withdrawal services through mobile apps. Users simply need to log in to their bank account via the mobile app, obtain a withdrawal code and transaction code, and then head to the ATM to withdraw cash without their card.
Note: To use this method, users must download their bank’s mobile banking app and register an account. Then, open the app and look for the cardless withdrawal option. The app will provide a transaction code and OTP for the withdrawal. This code is valid for a specific period and can only be used once, so caution is advised.
- Withdraw cash using a QR code
Some banks allow users to withdraw cash by scanning a QR code at the ATM. To use this method, users must have a mobile banking app and log in to scan the QR code. At the ATM, select the option for cash withdrawal using a QR code, and then scan the QR code displayed on the machine with your phone. Enter the amount you wish to withdraw and your PIN.

- Withdraw cash at a bank branch
If you don’t have an ATM card or access to mobile banking, you can opt to withdraw cash directly from a bank branch. Bring your identification documents (residency card, ID card, or passport) to the bank, fill out the provided form, and proceed with the cash withdrawal.
- Withdraw cash via e-wallet services
E-wallets are often linked to bank accounts, allowing users to transfer money from their bank to the e-wallet. Cash can then be withdrawn from supported e-wallet cash-out points.
Instead of relying solely on an ATM card, individuals can utilize these alternative methods for cash withdrawals. The above-mentioned options provide convenient and secure ways to access your money without a physical card. Stay informed about your bank’s offerings and choose the method that best suits your needs.
Important Considerations When Withdrawing Cash from an ATM
- Follow the correct procedure
When withdrawing cash from an ATM, it is important to follow the instructed steps carefully to avoid issues such as card retention or receiving a successful transaction message without the cash disbursal.
Be cautious when entering your PIN to avoid incorrect entries that could lead to account blockage. After withdrawing cash, carefully check your account to ensure the deducted amount is correct. Additionally, inspect the dispensed cash for any signs of counterfeit or damaged notes.
- Avoid withdrawing cash in secluded areas
It is advisable to avoid using ATMs in isolated areas to minimize the risk of robbery or theft. Opt for ATMs located in busy, well-populated areas, preferably with security guards on duty. When conducting a transaction, ensure your vehicle is locked, and park in a visible spot.
Before using the ATM, inspect the machine and its surroundings for any suspicious alterations. During the transaction, shield the keypad with your hand to prevent onlookers from seeing your PIN. Additionally, keep your bank’s customer support phone number handy in case of any issues or queries.
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