How to Withdraw Money from ATM without Debit Card?

You can utilize the UPI QR cash service to withdraw money from ATMs across India without requiring a card. Some banks additionally provide ATM cash services through mobile or internet banking sites. To use this feature, you must first log in to the mobile app or net banking portal. 

✅Steps to Withdraw Cash Without a Card from SBI ATM

Given below are the step by step procedure to withdraw cash without sbi debit card:

Step 1: Login to the SBI YONO app through internet banking user id and password.

Step 2: Choose YONO Cash option from YONO Pay option in Home Page.

Step 3: You will be redirected to a new landing page. Then Click on ‘ATM’ under the ‘New Request’ section.

Step 4: Now, enter the amount that you wish to withdraw.

Step 5: Create your YONO Cash PIN and Accept the ‘Terms and Conditions’.

Step 6: Next, click on ‘Confirm’. You will receive a Transaction Reference Number at your registered mobile number.

Step 7: Now, visit to your nearest YONO Cash enabled SBI ATM.

Step 8: Tap on ‘YONO CASH’ and Enter the amount that you wish to withdraw.

Step 9: Now, enter the ‘YONO Cash PIN’.

Step 10: The ATM will validate your transaction and will disburse the cash.

How to Withdraw Cash from ATMs using UPI

The following are the steps to withdraw cash from ATMs using UPI:

• Go to the closest ATM that accepts UPI and choose UPI Cash Withdrawal from the menu 

• The QR Code will be shown by the machine 

• Scan the QR code using any UPI app on your smartphone 

• Click "Proceed" after entering the desired withdrawal amount 

• To finish the cardless cash withdrawal process from the ATM, enter the UPI PIN 

• The necessary cash will be dispensed by the machine. 

✅Steps to Withdraw Cash Without a Card from HDFC Bank ATM

Given below are the step-by-step procedure to withdraw cash without hdfc debit card:

Step 1: Login to your HDFC net banking portal.

Step 2: Go to the ‘Select Fund Transfer’ option and Click on ‘Cardless Cash Withdrawal’.

Step 3: Now, choose the ‘Debit Bank Account’.

Step 4: Next, select a Registered Beneficiary and Enter the amount you wish to withdraw.

Step 5: Click on ‘Continue’ and ‘Confirm’.

Step 6: Next, confirm the registered mobile number and enter the One Time Password (OTP) for validating the transaction.

Step 7: You will get an SMS that contains OTP, the amount, and nine-digit order ID.

Step 8: Now, visit the nearest HDFC Bank ATM and choose ‘Cardless Cash Withdrawal’ option.

Step 9:  Select your preferred language.

Step 10: Enter the details like OTP, the beneficiary’s mobile number, order ID, and the transaction amount.

Step 11: Once you are done with all the steps, the cash will be disbursed by the HDFC ATM.

What Is the Maximum Withdrawal Amount from an Interoperable UPI ATM? 

An interoperable UPI ATM service allows you to withdraw up to Rs. 10,000 each transaction. Each bank may have a different quantity. The amount limit is based on the issuer bank's limits for UPI ATM transactions and is a component of the current daily UPI limit. 

You can easily do a variety of transactions thanks to the technological advancements in our nation's banking industry. Several banks have implemented the handy feature known as Interoperable Cardless Cash Withdrawal (ICCW) or cardless cash withdrawal facility, which enables clients to take out cash from their ATMs via the Unified Payments Interface (UPI). It makes it possible to withdraw cash without using a real debit or credit card. It will support you in times of emergency and pressing financial needs. 

✅Steps to Withdraw Cash Without a Card from ICICI Bank ATM

To avail this cardless cash withdrawal facility without using ICICI Bank atm card. Given below are the steps that will guide you to avail this facility:

Step 1: Go to the ICICI Bank mobile application and Tap on ‘Cardless Cash Withdrawal’ option.

Step 2: Enter the amount that you wish to withdraw.

Step 3: Enter the four-digit temporary PIN number. Next, select the account number from which you want to withdraw the cash.

Step 4: A pop-up message will appear as a pre confirmation notification.

Step 5: Click on ‘Confirm’ and Finally, click on ‘Submit’.

Step 6: The bank will activate a cardless cash withdrawal facility for you after following the above-mentioned steps.

Step 7: Then, you will receive a six-digit code at your registered phone number.

Step 8: Once you get it, you need to visit your nearest ICICI Bank ATM and enter the details such as your registered phone number, six-digit code, and four-digit temporary PIN.

Step 9:  Once you have entered the details, the ATM will dispense the cash.

✅Steps to Withdraw Cash Without a Card from Punjab National Bank ATM

Given below are the steps that will guide you to withdraw cash without an PNB Debit card from ATM:

Step 1: Login to the PNB One app and Tap on ‘Debit Card’ option.

Step 2: Choose the ‘Cardless Cash Withdrawal’ and Select the debit account.

Step 3: Enter the amount that you wish to withdraw.

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.

How to Withdraw Money from an ATM Card Without a PIN? 

By adding a beneficiary to your account, you can take money out of an ATM card without a PIN. However, different banks may have different procedures for taking money out of an ATM without a PIN. The following are the general steps: 

• Open the net banking portal for your bank and enter your login information to access your account 

• Click Add Beneficiary and select Cardless Cash Withdrawal 

• Click Add after entering the beneficiary's information 

• Click Confirm after double-checking the information 

• To finish the process, enter the OTP that was sent to your registered mobile number 

• Your account's beneficiary status will be activated after 30 minutes 

• Access the online banking portal of your bank. Choose Cardless Cash Withdrawal after clicking Fund Transfer 

• Choose the bank account and input the amount to be withdrawn 

• To submit the request, enter the OTP that was sent to your registered mobile number 

• A 4-digit OTP and a special 6-digit or 9-digit code will be sent to the beneficiary if the request is approved 

• The beneficiary must go to the desired bank's closest ATM and select Cardless Cash 

• Enter the information, including the transaction amount, beneficiary cellphone number, 6- or 9-digit code, and 4-digit OTP 

• The machine will dispense the money after verifying the information. 

Benefits of Cardless Cash Withdrawals 

Here are some major benefits of cardless cash withdrawals: 

1. Flexibility

Unexpected occurrences make it tough to access cash without a debit or credit card. However, with the cardless cash withdrawal function, you can take cash from a bank's ATM without using a card during an unexpected incident. 

2. Easy to Use and Safe

Any person's first goal when it comes to money is security. You don't have to worry about fraud because every cardless transaction is made to be safe and secure. There is less opportunity for fraud because each transaction necessitates the bank's mobile app and OTP (One-Time Password) confirmation. Additionally, using a card to withdraw cash beyond typical business hours could be challenging. Cardless cash withdrawals will be useful in this situation. 

3. Limit on Trasactions

You can withdraw up to Rs. 10,000 using the cardless cash withdrawal feature, subject to your bank's current daily UPI transaction restrictions. You must be aware, nevertheless, that this cap varies depending on the banking institution.