New Delhi, Business Desk. Do you know that you can withdraw money from ATM machine without debit or credit card .. Yes. this is true. Customers can withdraw money from ATM machine even without ATM card. Also, customers will have to join the ATM very rarely in this process. In this era of corona virus, physical distance and sanitization are very important. In the absence of adequate sanitization and awareness, there is a risk of infection through the ATM machine. In such a situation, cardless withdrawal from ATMs can prove to be very beneficial for customers.
A few select banks in the country have provided cardless withdrawal facility to their customers from ATMs. However, this facility has a limit for everyday transactions. The range ranges from 10,000 to 20,000 depending on the banks. Let us know which banks are providing this facility to customers and how it can be taken advantage of.
State Bank of India (SBI)
Step 1. First the customer has to download the SBI internet banking app YONO and click on ‘YONO Cash’.
Step 2. Now you have to enter the number you want to withdraw by selecting the account number.
Step 3. Now the customer will get an SMS, which will also have a YONO cash transaction number and ‘YONO cash PIN’.
Step 4. Now the customer has to go to SBI ATM and select ‘YONO Cash’ on the ATM screen.
Step 5. Now you have to enter YONO cash transaction number, withdrawal amount.
Step 6. Now you have to enter YONO cash pin. After verification, the customer will get cash from the ATM.
Step 1. Customer must first download the mobile app of ICICI Bank.
Step 2. Now go to services and click on ‘cardless cash withdrawal’.
Step 3. Now the customer has to enter the amount and PIN. Now the account to be withdrawn will have to be selected.
Step 4. To confirm the details, click on submit.
Step 5. Now the customer will get a message, which will be given a six digit code, which will be valid for six hours.
Step 6. Now the customer has to go to the ICICI Bank ATM and enter the registered mobile number, four digit temporary code, six digit code and withdrawal amount.
Step 7. After verification, customer will get cash from ATM.
Bank of Baroda (BOB)
Customers of BoB will have to open the mobile app of Bank of Baroda and click on Cash on mobile to make cardless withdrawals from ATMs. Now the amount (up to Rs 5,000) and MPIN has to be entered. Now the customer will get a six digit code on the mobile. The validity of this code will be only 15 minutes. The customer has to go to BOB ATM and click on Cash on mobile option. Now OTP has to be entered and the withdrawal amount will have to be entered. After this the customer will get cash from ATM.
In order to make a cardless withdrawal from an Axis Bank ATM, the customer has to start an instant money transfer (IMT) service. Now going to the bank’s ATM, the customer has to select the IMT option and click on ‘withdraw IMT’. After this, the customer has to enter some information like mobile number, senders code, SMS code and IMT amount. After this the customer will get cash from the machine.