Can I Withdraw Money From Atm Without My Card

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How SBI, ICICI, Kotak, BoB, RBL Bank account holders can withdraw cash at ATMs without debit cards

Bankers and ATM providers say if the issue is not addressed the point to withdraw cash will get reduced. Photo: Mint

3 min read . Updated: 05 Apr 2021, 12:03 PM IST

Several banks have launched the Cardless Cash Withdrawal facility in their ATMs which enables customers to withdraw cash securely and conveniently from ATMs
State Bank of India, Bank of Baroda, and ICICI Bank among others offer this service to customers

Cardless cash withdrawal service is a simple and safe mode to withdraw cash 24x7, anywhere in India. State Bank of India (SBI), ICICI Bank, Kotak Mahindra Bank, Bank of Baroda (BoB) and RBL Bank are among some of the lenders offering this facility to their customers. This facility can be used to withdraw cash at select ATMs of the bank without having a debit card at all. How is this possible? Let's take a look.

How to access SBI's cardless cash withdrawal facility

After logging into the Yono app, the SBI account holder needs to click on the Yono Cash.
Then go to the ATM section and enter the amount you want to withdraw from the ATM.
SBI will then send you a Yono Cash transaction number on your registered mobile.
The account holder then needs to use this number and the PIN set by him at any of SBI's cardless transaction enabled ATMs for withdrawal of cash.
It is valid for four hours.
At the ATM, the user needs to use the option Card-Less Transaction on the first page of the ATM and then to Yono Cash and enter the details.

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How to access ICICI Bank's cardless cash withdrawal facility

- Log into the 'iMobile' app and select 'Services' and 'Cash Withdrawal at ICICI Bank ATM'.

- Enter the amount, select your account number, create a 4-digit temporary PIN and submit.

- You will immediately receive a reference OTP (One Time Password).

- Visit any ICICI Bank ATM and select Cardless Cash Withdrawal. Then select 'enter mobile number and head over to 'reference OTP number'. Input your temporary PIN and then select the amount for withdrawal.

How to access Bank of Baroda's cardless cash withdrawal facility

BOB customers just need to open the BOB M-connect Mobile Banking application and generate an OTP for the cardless transaction.
Login to BOB Mobile Banking and tap on the Premium Services tab.
Next screen tap on Cash on Mobile service.
Now select your Account number, enter the amount and submit.
After submitting the request, an OTP sent to your bank registered mobile number. Please note, this OTP valid only for 15 minutes so you need to visit ATM & withdraw cash within 15 minutes.
Visit your nearest Bank of Baroda ATM with this OTP and select Cash on Mobile option on the ATM screen.
Now enter OTP which sent on your mobile number and enter the amount.

How to access Kotak Mahindra Bank's cardless cash withdrawal facility

For cardless cash withdrawal through ATMs, Kotak Mahindra Bank users need to log on to Kotak net banking or the mobile banking app.
Customers have to register the beneficiary's name, mobile number and address. This beneficiary registration is a one-time process.
Once the process is done, the beneficiary can withdraw cash from any Kotak Mahindra Bank ATM in India by selecting the option of cardless cash withdrawal or instant money transfer on the ATM screen.
The beneficiary will be able to withdraw money by entering his/her mobile number, sender and SMS codes and the exact cash amount.

How to access RBL Bank's cardless cash withdrawal facility

To avail of the service, a customer has to log into RBL Bank's MoBank app to locate an ATM that supports the IMT function and initiate cash withdrawal by either using his or her mobile number linked to the account or by following a few easy steps on the app.
The customer selects the IMT button on the mobile app, gets a code, and uses it to withdraw money from the ATM.

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