How to withdraw money from ATM without using card


The Reserve Bank of India (RBI) has mandated that all banks, ATM networks, and White Label ATM Operators (WLAOs) offer Interoperable Card-less Cash Withdrawal (ICCW) at all ATMs across the country.


The Reserve Bank of India has mandated that all banks provide interoperable cardless cash withdrawal services.

Customers will be able to withdraw cash from ATMs without a card once the service is available to all banks.

Withdrawal limitations will be consistent with regular on-site and off-site ATM withdrawals.

The Reserve Bank of India (RBI) has mandated that all banks, ATM networks, and White Label ATM Operators (WLAOs) offer Interoperable Card-less Cash Withdrawal (ICCW) across all ATMs in India.Everyone would be able to withdraw cash from ATMs without using debit or credit cards once the feature is operational for all banks.

The Reserve Bank of India has also urged the National Payments Corporation of India (NPCI) to aid with transaction authentication by facilitating Unified Payments Interface (UPI) connection with all banks and ATM networks.”ICCW may be offered by all banks, ATM networks, and WLAOs at their ATMs.In a recently issued circular, the RBI advised NPCI to “enable Unified Payments Interface (UPI) interoperability with all banks and ATM networks”.

Customer authorisation will be done through UPI, while settlement will be done through the National Financial Switch (NFS) or ATM networks, according to the central bank.The circular stated, “The on-us / off-us ICCW transactions will be conducted without the imposition of any costs other than those prescribed under the circular on Interchange Fee and Customer Charges”.

The withdrawal limitations will be the same as those for conventional on- and off-site ATM withdrawals, according to the central bank.”All other instructions pertaining to Harmonisation of Turn Around Time (TAT) and customer compensation for unsuccessful transactions will remain in effect”, according to the circular.

Only a few banks, such as ICICI and HDFC, currently enable cardless cash withdrawal at their ATMs.With the passage of time, all other banks in the country will allow consumers to withdraw money from ATMs without using a debit or credit card.Let’s take a look at how to get cash from an ATM without using a debit or credit card.

How to get cash without using a credit card

To use this facility, one must first request that the bank enable it.This is how it’s done (for ICICI bank):

Head over to Services in the ICICI Bank mobile app.

  • Click on the Cardless cash withdrawal option.
  • Enter the amount, followed by the 4-digit temporary PIN, and select the account number from which you want to use to withdraw the money.
  • You will then need to confirm the details displayed on the pre-confirmation screen.
  • Click on the submit option.

The bank will send you a message with a unique 6-digit code to the registered cellphone number once the facility has been successfully activated.The code will only be valid for six hours.The following are the next steps to take:

Go to your local bank ATM (in this case, an ICICI bank ATM) and enter the following information: your registered mobile number, the temporary 4-digit code you set, the 6-digit code you received via SMS and the withdrawal amount.

Cash will be dispensed from the ATM once these data have been verified.

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