Can i use a atm without my card

Guides & How To's

There are some options available to get cash if you leave your Debit Card at home!

Can i use a atm without my card

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 shops

Some 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 card

For 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 cards

Using 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.

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Questions about cardless cash

Cardless cash is a way of withdrawing money at a Geldmaat machine. You scan the QR code on the Geldmaat machine using the ABN AMRO app on your mobile phone. You do not need your plastic debit card for this.

You can use cardless cash if you are a private client, you have an ABN AMRO current account, you have installed the ABN AMRO app and you are aged 16 years or older. You can use cardless cash if you have an Android or iOS phone.

Before using cardless cash, check to make sure you satisfy the following requirements:

  • You are aged 16 or over 
  • You have an ABN AMRO personal current account
  • You have installed the latest version of the ABN AMRO app
  • You have an Android device with at least version 7
  • You have an iOS device with at least version 11
  • Your phone’s region setting is ‘the Netherlands’
  • You have registered a correct mobile telephone number with ABN AMRO
  • You have an internet connection

You do not need to activate anything. The function appears automatically as soon as you scan the QR code on the ATM using the ABN AMRO app on your phone.

There are no additional costs attached to using cardless cash. Cardless cash is included in the Basic Payment Package. ABN AMRO offers this extra service so that you can withdraw money using your mobile phone.

Cash remains legal tender, so you can continue to withdraw cash at any time. Moreover, ABN AMRO believes that cash plays an important role in society. That is why ABN AMRO is constantly looking for new ways for clients to withdraw money easily and safely. Clients can continue to withdraw cash using their debit card. There are also new options that do not require a debit card.

Can't find your question among the frequently asked questions? Click here for more questions and answers about cardless cash.

Can I withdraw money at ATM without card?

Cardless ATMs provide access to your account and allow you to withdraw cash without the need for a card. Instead, they rely on account verification via text message or a banking app on your smartphone. There are several ways that cardless ATMs can function.

How can I withdraw money without my card?

Some simple ways to withdraw money without a debit card include the following:.
Cash a check at your bank. This involves writing a check for the amount you need and visiting a bank branch to retrieve funds..
Cash a check at a store. ... .
Use a withdrawal slip at a bank branch. ... .
Work with a bank teller..

How can I withdraw money from my bank without a debit card?

If you don't have a debit card or a withdrawal slip, don't worry, you can still visit your local bank and explain to teller that you need to withdraw some money. If you have your ID and know your account information, they'll fill out a slip for you.

How can I use my debit card without ATM card?

Tap your phone on the Contactless symbol on the ATM. Enter the ATM PIN associated with your debit card. Tap Main Menu and complete your ATM transaction the same as if you used your physical card.