Our mobile phones have taken over so many aspects of our lives that they now not only just act as communication devices, but have become our personal organisers. However, many of us still wouldn’t leave the house without our wallet or purse. Although payment apps, like Google Pay, and store loyalty apps allow us to pay for goods and services using our phones, many of us still rely on cash to pay for things, so it is always good to know you have your debit card hand if you need to go to an ATM. But what if you leave your debit card at home by mistake and badly need to get your hands on some cash? Cashback from shopsSome shops will do cashback, where you pay for items using a digital debit card with your phone, ask them to add £10 or £20 onto the total and get that cash in return. However, not many shops offer this service and there is usually a pretty low limit on how much cash you can get this way. Withdrawing cash from ATMs without a bank cardFor larger sums of money or just for convenience, you can now withdraw cash from ATMs in the UK without your debit card. You will first of all need to have the mobile banking app of your bank downloaded onto your phone. Not all banks in the UK offer this service, but many of the big ones do such as RBS, (who also owns NatWest and Ulster Bank), Barclays, HSBC and Santander. The process may vary depending on your provider, but cardless cash withdrawals usually involve you signing onto the app to access your account. Select the option on the app and, depending on the bank, you may have to go through additional security. You then have to select the cardless withdrawal option on the ATM you are using. You will be asked to key in a temporary passcode. This passcode is generated through your mobile banking app after you have got through the relevant security procedures. Key in the code and select the amount of cash you wish to withdraw. In many cases, the passcode will last for a few hours and you can use it for multiple transactions. However, just like using your normal debit card at an ATM, there will be a daily amount on the amount of cash you can withdraw on any one day. Lost or stolen cardsUsing this cardless withdrawal method is not only effective when you have left your debit card at home, but it can also help you get access to some cash if your debit or credit card has been lost or stolen. However, if this is the case, you must also report the loss of your card immediately to your bank. They will then freeze the card, but it won’t stop you from being able to withdraw cash from an ATM using the cardless method. Although you live in a largely digital-led world, sometimes you still need cash. And the easiest way to get it is from an ATM. Normally, to withdraw cash from an ATM, you need a Debit Card/ATM card, but that is not always true. With an HDFC Bank Savings Account, you can now make cardless cash withdrawals. Yes, you heard that right! This facility enables you to withdraw cash securely and conveniently from ATMs without using a bank card. Even your beneficiaries can get cash from the ATM with just a mobile number. Here’s how you can use the Cardless Cash feature with HDFC Bank:
You need to add a beneficiary before initiating the request.
For security reasons, the beneficiary will be activated after a period of 30 minutes. Request for cardless cash withdrawal through HDFC Bank NetBanking
A successful cardless cash withdrawal request will be valid for a period of 24 hours from the time of creating the request. After expiry of 24 hours, the request will be reversed. Cash withdrawal from HDFC bank ATM by the beneficiary The beneficiary will receive a 4-digit One Time Password (OTP) and a 9-digit order ID via SMS once the cardless cash withdrawal request is successfully authenticated. The beneficiary must visit an HDFC Bank ATM and select the ‘Cardless Cash’ option displayed on the screen. Then, enter details such as OTP, beneficiary mobile number, 9-digit order ID, and the transaction amount. Once the above details are validated, the cash will be disbursed by ATM.
Cardless cash withdrawal requests can be initiated for a minimum of Rs.100 per transaction and up to a maximum of Rs.10,000 per day or Rs.25,000 per month for a beneficiary. Benefits of cardless cash withdrawal: Convenient You can create a request by logging into HDFC Bank NetBanking, which is accessible 24/7. You can also use it to transfer cash to a beneficiary just by using their mobile number. The beneficiary need not hold a bank account and can withdraw cash instantly without an ATM / Debit Card. For instance: Suppose you need to send cash to your child who doesn’t have an account. With this facility, you can send money to them instantly through their mobile number. Secure This facility is safe and reduces frauds and skimming of Debit Cards at ATMs while transacting. Click here and get started on your Savings Account! To take advantage of this convenient service offered by HDFC Bank, India's No.1 Bank*, sign up for an HDFC Bank Savings Account. Based on your requirements, you can opt for a Regular or SavingsMax, Specialé Gold and Specialé Platinum, Women Savings account or any other. And with the InstaAccount page, you can open an account instantly through a digital process. This way, you can skip visiting the bank and complete your video KYC from wherever you are. Click here and get started on your Savings Account !
Click here to open a Savings Account. *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. |
Can u get money from atm without card
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