Cardless cash can be withdrawn from major bank ATMs using a smartphone, digital wallet (Apple Pay, Google Pay, Samsung Pay), or a mobile app-generated code. Major banks offering this feature include Chase, Bank of America, Wells Fargo, BMO, and Capital One. Look for the contactless symbol on ATMs or use your bank's app to initiate the withdrawal.
No, you can't do a cardless withdrawal at any ATM; it depends on your bank and the ATM having contactless technology (look for the symbol) and being compatible with your bank's app or mobile wallet (like Apple Pay, Google Pay). Major banks like Chase, Bank of America, and Wells Fargo offer this, but availability varies, so check your bank's app for ATM locators to find compatible machines.
Ulster, Royal Bank of Scotland (RBS), NatWest
These banks offer a 'Get Cash' function through their mobile apps, enabling customers to withdraw up to £130 every 24 hours without a physical card. This service is available at their ATMs and select Tesco machines.
Westpac said the change has been driven by more people using digital payments as opposed to spending cash. “Over a 12-month period, we've seen a 21 per cent increase in mobile wallet transactions as more customers choose the speed, security and convenience of digital banking,” a spokesperson said.
You can withdraw cash without a card using your bank's mobile app for cardless ATM access, typically via NFC tap (Apple Pay, Google Pay) or by scanning a QR code/entering a one-time code in the app, then authenticating at the ATM with your PIN or biometrics; alternatively, some banks offer methods like generating a code in the app to use at the machine.
Yes, you can get cash out by tapping your phone at a cardless ATM by using your mobile wallet (Apple Pay, Google Pay) or banking app to tap the contactless symbol on the machine and then entering your PIN, provided the ATM supports it and you have your digital card set up. This "cardless" method uses NFC technology or QR codes for secure, convenient withdrawals without needing your physical debit card.
Westpac, St. George, CommBank, and ANZ all offer cardless cash through their transaction accounts. If you find yourself without your debit card and you need some cash, select the cardless cash feature within your mobile banking app.
How to use Get Cash
Contactless cash withdrawals
Withdraw cash easily and quickly with just a simple tap of your phone instead of having to use your ATM card. UOB is the first bank in Southeast Asia to launch Near Field Communication (NFC) enabled Automatic Teller Machines (ATM) that allows you to truly go digital.
Contactless ATMs let you withdraw cash using your mobile phone's digital wallet or banking app. Major US banks like Chase, Bank of America, and Wells Fargo offer cardless ATM technology. Cardless ATM access works through near-field communication, QR codes, app-generated codes, or biometric authentication.
How to withdraw money without your card
Key takeaways
Some ATMs do not require a debit card to withdraw cash or make deposits, but you will need your smartphone to verify your identity. The majority of cardless ATMs are currently limited to bigger banks including Chase, Bank of America, Capital One and Wells Fargo.
Yes, you can get cash out by tapping your phone at a cardless ATM by using your mobile wallet (Apple Pay, Google Pay) or banking app to tap the contactless symbol on the machine and then entering your PIN, provided the ATM supports it and you have your digital card set up. This "cardless" method uses NFC technology or QR codes for secure, convenient withdrawals without needing your physical debit card.
Complete the transaction on Google Pay
Using your device (phone or wearable), open your digital wallet and select your NAB Visa Debit card. Tap your device at a NAB ATM. Enter your PIN when prompted by the ATM. You'll then have the option to either withdraw cash or perform a balance enquiry.
After confirming these requirements, here's how you can do it:
No card? No problem! With the CBD Mobile Banking App, you can withdraw cash instantly up to AED 5,000/day from any CBD ATM without your physical card.
Need cash but forgot your wallet? No problem. With cardless ATM withdrawals, you can access your money using just your phone—no debit or credit card required. Learn how cardless ATMs work, how to use them, and why they're a fast, secure, and convenient option when you're on the go or in a pinch.
Identification processes for cardless ATMs require the user's smartphone, verification codes that expire, and biometrics to ensure security. They also reduce security risks associated with debit cards, such as card skimming.