Can I withdraw money from an ATM without my card? (2024)

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I lost my debit card and am in the process of replacing it but I need to make a withdrawal. Can I withdraw money from an ATM without my card?

Can I withdraw money from an ATM without my card? (7)

Chloe Jenkins · Updated on

Reviewed by Shannon Martin, Licensed Insurance Agent.

Generally, you cannot withdraw money from most ATMs without your card—butsome ATM locations with specific banks such as Chase, Wells Fargo, and Bank of America offer cardless interactions on their ATMs, but this will depend on what’s in your area.

Cardless ATMs allow you to use your phone’s mobile banking app to access your cash. Simply open your banking app and tap your phone to the reader—or scan the QR code on the ATM with your phone and follow the directions.

Keep in mind that you’ll still need to know the code or PIN you set up to access your accounts.

If you don’t have access to these banks or their cardless ATMs, your next best option for making a withdrawal is by visiting a branch of your bank. There, you can speak directly with a teller and they can confirm your identity and your account and allow you to make withdrawals.

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    Can I withdraw money from an ATM without my card? (2024)

    FAQs

    Can I withdraw money from an ATM without my card? ›

    Relying on fingerprint or facial recognition, an ATM equipped with biometric technology verifies your identity and then allows you to withdraw cash without inserting a plastic card.

    How can I do cardless withdrawal? ›

    A cardless ATM is a modern banking feature that allows you to withdraw cash from an ATM without using a physical debit or credit card. Instead, the transaction is initiated through a mobile banking app. As a customer, you typically generate a one-time code within the app, which is then entered at the cardless ATM.

    Can I withdraw cash from debit card without card? ›

    Can I use cardless withdrawal if my debit or credit card is lost or has been stolen? Yes, you can.

    Can you use a digital wallet at an ATM? ›

    CONTACTLESS ATM Get cash without your card

    Adding your debit card to your Digital Wallet means you can get cash using your phone. Just select your card in your wallet and hold your phone over the Contactless Symbol at any Bank of America ATM.

    Can you use phone instead of card at ATM? ›

    NFC-enabled Apple Pay, Google Pay and Samsung Pay digital wallets generally can be used at cardless ATMs. QR codes. Using your bank's mobile app, scan the QR code on the ATM's screen and withdraw cash. Biometric verification.

    How can I withdraw money from ATM by phone number? ›

    Step 4: You will receive a reference number at your registered mobile number. Step 5: Now, visit your nearest PNB ATM andTap on the 'Cardless Cash Withdrawal' option. Step 6: Enter the reference number that you received at your registered mobile number. Step 7: The cash will be disbursed by the ATM.

    What ATMs do cardless cash? ›

    With Cardless Cash, you can simply generate a 6-digit cash code in our Mobile Banking App and use it to withdraw cash at any St. George, Bank of Melbourne, BankSA, Westpac or select Westpac Group partner ATMs. Find your nearest ATM.

    Can I withdraw cash using my phone? ›

    If your ATM uses this type of technology, you request a withdrawal in your mobile app and then scan or enter the code once you get to the ATM. Then, the ATM verifies your identity and authenticates your transaction. Some ATMs use NFC to conduct cardless transactions.

    What is a cashless ATM? ›

    What Is a Cashless ATM? Cashless ATMs are payment terminals that allow customers to make purchases using a debit card like they would if they were using an ATM to withdraw cash. These terminals are also referred to as point-of-banking technology or solution.

    How to withdraw mobile money from ATM? ›

    Cardless ATM Withdrawal
    1. Simply dial *737*33#
    2. Select withdrawal type (self or others)
    3. Enter amount.
    4. Select account to be debited.
    5. Enter PIN to confirm transaction.

    What is mobile cash withdrawal? ›

    You can withdraw cash by setting up a cash withdrawal instruction on the Mobile Banking, scanning the QR code on a designated ATM, and then inputting the card PIN or presenting the finger vein.

    What is a mobile cash code? ›

    RAKBANK's MobileCash service allows you to withdraw cash from any RAKBANK ATM without the need for a debit card. You can withdraw cash for yourself or send a code to a beneficiary to withdraw the cash on your behalf.

    Can I get cash out with a digital card? ›

    Yes, if you are 18 years or older, you can use your Digital Card details to access Cardless Cash. You will need to set up Cardless Cash if you have not already done so.

    How to pay without a physical card? ›

    Here is a quick guide to the main ones.
    1. Debit card. If merchants can take payment by credit card, they can also take payment by debit card. ...
    2. Direct debit. Direct debit used to be for recurring payments only. ...
    3. Open banking services. ...
    4. Payment Apps (E-Wallets) ...
    5. Gift cards. ...
    6. Reward points. ...
    7. Bank transfer. ...
    8. Cryptocurrency.

    How to use cash app at ATM without card? ›

    There are two ways to withdraw money from Cash App without a card:
    1. Transfer the money to your linked bank account: Open the Cash App and tap the Balance tab.
    2. Use your Cash App digital card: If you don't have your physical Cash Card with you, you can use your Cash App digital card to withdraw money from an ATM.
    Nov 13, 2023

    Can you withdraw cash with your phone? ›

    If your ATM uses this type of technology, you request a withdrawal in your mobile app and then scan or enter the code once you get to the ATM. Then, the ATM verifies your identity and authenticates your transaction. Some ATMs use NFC to conduct cardless transactions.

    How can I use my phone without ATM card? ›

    How to Create Phonepe Account Without ATM Card?
    1. Step 1: Download the PhonePe app on your mobile device.
    2. Step 2: Register on the app using your mobile number and the OTP.
    3. Step 3: Once logged in, click on the profile in the top left corner.
    4. Step 4: Under “Payment Methods”, select “Add bank account”

    Can I withdraw mobile money from ATM? ›

    With MTN MoMo, you may withdraw money from any ATM. Getting your money out entails the following: Dial *170# Choose option 5 – Financial Services.

    How can I withdraw money from mobile ATM? ›

    Withdrawing the funds – The beneficiary can withdraw the amount at any QNB ATM by selecting 'Mobile Cash' and typing in the Voucher Number and the amount. After successful withdrawal, both parties will receive an SMS confirmation.

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