How to Withdraw Money from an ATM Without a Card?

Automated Teller Machines (ATMs) have become an integral part of our daily lives, providing convenient access to cash and various banking services. However, there are situations where you may need to withdraw money from an ATM but find yourself without your debit or credit card. Whether it’s due to a lost or stolen card or simply forgetting it at home, there are still ways to access your funds safely and securely. In this guide, we will explore the various methods and precautions for withdrawing money from an ATM without a physical card.

How to Withdraw Money from an ATM Without a Card

1. Mobile Banking Apps

The advent of mobile banking apps has revolutionized the way we interact with our accounts. Most banks offer mobile apps that allow you to perform a range of transactions, including ATM withdrawals. Here’s how you can do it:

a. Install and Set Up the App: If you haven’t already, download your bank’s mobile app and follow the registration process to link your account.

b. Locate the ATM Feature: Once you’re logged in, navigate to the ATM or cardless withdrawal feature within the app. It may be labeled differently depending on your bank.

c. Initiate the Withdrawal: Enter the amount you want to withdraw and, in some cases, a one-time PIN generated by the app.

d. Get a Transaction Code: The app will provide you with a unique transaction code, which you’ll need to enter at the ATM.

e. Visit an ATM: Head to your bank’s nearest ATM. Most major banks support cardless withdrawals, and these ATMs often have a cardless option on the main screen.

f. Enter the Transaction Code: At the ATM, select the cardless withdrawal option and enter the transaction code provided by the mobile app.

g. Withdraw Cash: Follow the on-screen instructions to complete your transaction and retrieve your cash.

2. Cardless ATM Withdrawal Services

Some banks offer cardless ATM withdrawal services that allow you to withdraw cash using your phone number or email address. Here’s how it typically works:

a. Register for the Service: Enroll in your bank’s cardless ATM withdrawal service by providing your phone number or email address.

b. Receive a One-Time Code: When you want to make a cardless withdrawal, the bank will send you a one-time code via SMS or email.

c. Visit an ATM: Go to a participating ATM and select the cardless withdrawal option.

d. Enter the One-Time Code: Enter the one-time code you received on your mobile device.

e. Withdraw Cash: Follow the on-screen instructions to complete the transaction and receive your cash.

3. Mobile Wallets

Mobile wallet apps like Apple Pay, Google Pay, and Samsung Pay allow you to make cardless ATM withdrawals at compatible ATMs. Here’s how to do it:

a. Set Up Your Mobile Wallet: Ensure your mobile wallet is set up and linked to your bank account or a linked debit card.

b. Find a Compatible ATM: Look for ATMs that support mobile wallet withdrawals. Many modern ATMs have the necessary technology.

c. Initiate the Withdrawal: Use your mobile wallet to initiate the withdrawal, following the prompts on your device.

d. Complete the Transaction: Approve the withdrawal on your mobile device and follow the ATM’s on-screen instructions to collect your cash.

4. Prepaid Card Accounts

If you have a prepaid card account with your bank, you may be able to access your funds without your physical card. Prepaid card accounts often allow for cardless ATM withdrawals through the bank’s mobile app or website. Follow these steps:

a. Access Your Account: Log in to your prepaid card account through your bank’s app or website.

b. Locate the Cardless Withdrawal Feature: Find and select the cardless ATM withdrawal feature.

c. Enter the Necessary Information: Provide the required information, such as your account number and withdrawal amount.

d. Generate a Transaction Code: Some banks may require you to generate a transaction code.

e. Visit an ATM: Go to an ATM that supports cardless withdrawals and follow the prompts, including entering the transaction code if necessary.

f. Complete the Transaction: Follow the on-screen instructions to complete your transaction and retrieve your cash.

5. Contact Customer Support

In situations where you can’t access your funds through the methods mentioned above, you can contact your bank’s customer support for assistance. They may be able to provide you with temporary access to your account or guide you on the best course of action.


Losing or forgetting your debit or credit card can be a stressful experience, but it doesn’t have to leave you without access to your funds. Thanks to modern banking technology, there are several ways to withdraw money from an ATM without a physical card, ranging from mobile banking apps and cardless ATM services to mobile wallets and prepaid card accounts.

However, it’s crucial to prioritize security when using these methods. Always use secure and trusted banking apps, protect your personal information, and be cautious when sharing one-time codes or transaction details. Additionally, be aware that not all ATMs support cardless withdrawals, so it’s a good idea to check with your bank or use their ATM locator tool to find the nearest cardless-enabled ATM.

By following these steps and taking the necessary precautions, you can ensure that you have access to your funds even when you don’t have your card on hand.

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