If you’re in a situation where you need to get cash and don’t have an ATM card — whether you lost it, left it at home or simply do not have one — what should you do?
The good news is there are several options available to securely withdraw cash which do not require an ATM card. Some options are financial stalwarts which can always be relied on when you need help. Others are relatively recent advances for getting cash, like using features in your smartphone. Follow these tips to get cash without an ATM card.
Visit Your Nearest Bank Branch
If you don’t have an ATM card but routinely use the ATM services at your nearest bank branch, you can still go inside this branch for cash purposes.
Andrew Lokenauth, personal finance expert at Fluent in Finance, said one of the most straightforward ways to get cash without an ATM card is to visit a bank branch and withdraw money from your account. Keep in mind the teller will need to see a photo ID and you should be able to share your account information with the teller to make a secure withdrawal.
Do you have a checkbook handy with checks for your account? Lokenauth recommends writing yourself a physical check. Then, take it to a bank branch or check cashing service to cash it.
“Some banks offer virtual debit card options which can be used to withdraw cash at ATMs without the physical card,” said Lokenauth.
Use a Prepaid Debit Card
If you don’t have a virtual debit card option, Lokenauth recommends looking into prepaid debit cards. These cards can be loaded with cash and used to withdraw money at ATMs or make purchases.
Look Into Digital Wallet Options
Do you use Apple Pay or Google Pay? Some digital wallet options, Lokenauth said, allow you to link your debit card to the app. If this is the case, you may be able to link the account and use the app to withdraw cash at participating banks or retailers.
Another digital wallet option worth exploring is PayPal. Lokenauth said this is a widely accepted digital wallet which allows you to access your money through ATMs or by transferring funds to your bank account.
Credit Card Cash Advance
“If you have a credit card, you can withdraw cash at an ATM or bank branch using the credit card,” said Lokenauth. However, Lokenauth recommends using this option with caution since cash advance transactions often come with high fees.
You can get cash back with your contactless debit card just like you could with your old card. However, some merchants require customers requesting cash back to insert their contactless card even when the payment terminal is a contactless one.
You can get cash back with your contactless debit card just like you could with your old card. However, some merchants require customers requesting cash back to insert their contactless card even when the payment terminal is a contactless one.
To get money off Cash App at an ATM without a card, you can follow these steps: Generate a digital card within the Cash App: Cash App offers a feature that allows you to withdraw money from ATMs using a digital card even if you don't have the physical card with you.
Use your phone to withdraw money from cash machines when you don't have your debit card. Some of the top banks have found a way to make accessing your cash even easier. With secure apps installed on your mobile phone, you can access your digital wallet to withdraw the money from an ATM.
With Cardless Cash, you can simply generate a 6-digit cash code in our Mobile Banking App and use it to withdraw cash at any St.George, Bank of Melbourne, BankSA, Westpac or select Westpac Group partner ATMs. Find your nearest ATM.
With cardless ATM access, you go to an ATM how you normally would, except you use your mobile phone to initiate withdrawals or balance inquiries instead of your debit card. Cardless, or contactless, ATMs do not require a physical card to take out cash.
That depends on your bank. Many ATMs now support tap to pay. But, not all. If the ATM supports it and you have the appropriate card stored in your Wallet, you can tap and start the ATM Transaction.
Withdraw money at any ATM that has the contactless symbol. Open your Google Pay Wallet. Choose the card you wish to use. Tap your phone against the contactless symbol and enter your PIN.
A cardless ATM—or contactless ATM—allows you to access your bank account and withdraw money without a physical card. To use the cardless option at the ATM, you'll typically need your financial institution's mobile app or your card information stored in your mobile wallet.
The Cash App card is a physical debit card linked to your Cash App account. You can withdraw money using the Cash App card at ATMs that display the Visa Plus Alliance or MoneyPass logo. Remember to use in-network ATMs to avoid additional fees.
Tap on your profile icon or the account balance on the home screen. Scroll down and select "Linked Accounts". Tap on "Link New Account" and follow the prompts to enter your bank account details. Once your bank account is linked, you can transfer money from your bank account to your Cash App balance.
You may also be able to use Apple Pay at an ATM machine to make a cash withdrawal², if the ATM supports contactless — and therefore cardless — withdrawals. To find an ATM that takes Apple Pay you'll need to look out for the contactless symbol which will be displayed prominently on the ATM machine.
When you discover that your ATM card is lost or stolen, it's essential not to panic. First and foremost, you need to contact your bank immediately to block your ATM card. It's important to have your account number, card details, and personal identification information ready to provide for verification purposes.
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