Use cardless ATMs to get cash via smartphone app | finder.com (2022)

Cardless ATMs are now being offered by some of the top banks, making accessing your cash even easier. With secure apps installed on your mobile phone, you can access your digital wallet to withdraw the money from a cardless ATM. Your phone is already at your fingertips — now your cash will be too.

Find the right checking account for you by comparing each of the banks’ key features — from minimum opening deposit to number of cardless ATM locations nationwide.

Avoid overdraft fees

Chase Secure Banking℠

★★★★★

Finder rating 4.2 / 5

"Access cash at more than 15,000 cardless ATMs and never worry about facing overdraft fees."

Use cardless ATMs to get cash via smartphone app | finder.com (2)

by Michael Benninger

Minimum deposit to open

$0

(Video) How cardless cash ATMs work

Open an account

on Chase's secure site

$0 opening deposit

Chase Total Checking®

★★★★★

Finder rating 3 / 5

"There's no minimum deposit required, and you can use Chase's cardless ATMs right away."

Use cardless ATMs to get cash via smartphone app | finder.com (4)

by Michael Benninger

Minimum deposit to open

$0

Open an account

(Video) Use your phone instead of a card at the ATM (CNET News)

on Chase's secure site

Free instant transfers

Chase Business Complete Banking℠

★★★★★

Finder rating 3 / 5

"Get free same-day deposits and access to Chase's nationwide cardless ATM network."

Use cardless ATMs to get cash via smartphone app | finder.com (6)

by Michael Benninger

Minimum deposit to open

$0

Read Review

A cardless ATM works by providing you with a unique code that you enter into an ATM to withdraw cash when you don’t have your card. This is beneficial if you’re on a run, at the beach, at an amusement park or anywhere else you don’t want to carry a card. You can even share your code with friends or family members so they can withdraw money when you’re not there.

(Video) Cardless Cash

Can I get cardless cash from any ATM?

You can only get cash from an ATM without a debit card when you use an ATM owned by your bank that has a cardless cash or contactless feature. For example, if you open a Chase Total Checking® account, you’ll have access to one of the largest networks of cardless ATMs.

There are five different types of cardless ATMs, so it depends on which one you’re using.

1. Banks with cardless ATMs

Major banks in the US have started offering cardless ATMs that allow you to withdraw cash using near-field communication (NFC). These banks typically partner with the Mastercard cardless ATM network or the Visa cardless ATM network to offer this feature to customers.

How to withdraw money

  1. Download the bank’s mobile app.
  2. Schedule your withdrawal in the mobile app.
  3. Scan your QR code or enter your debit PIN at the ATM.

2. Apple Pay cardless ATMs

Apple Pay is accepted at most cardless ATMs including Wells Fargo, Chase and Bank of America. Apple Pay uses near-field communication (NFC) for cardless ATM access. To verify that an ATM is NFC-enabled, look for the contactless symbol.

How to withdraw money

  1. Open your Apple Pay Wallet.
  2. Select which card you want to use.
  3. Tap your phone against the contactless symbol.
  4. Enter your card’s PIN.

The ATM will then verify your identity and finalize your transaction.

3. Google Pay cardless ATMs

Google Pay works the same as Apple Pay. Withdraw money at any ATM that has the contactless symbol.

How to withdraw money

  1. Open your Google Pay Wallet.
  2. Choose the card you wish to use.
  3. Tap your phone against the contactless symbol and enter your PIN.

The ATM will then finalize your transaction.

4. CashTapp cardless ATMs

Select Capital One 360 Checking customers can withdraw money at any cardless ATM with a CashTapp sticker. Use the ATM finder in the CashTapp app to find a cardless ATM near you.

How to withdraw money

  1. Enter the amount you wish to withdraw into the CashTapp app.
  2. Move your phone near the CashTapp sticker on the ATM until it’s securely connected.
  3. Follow the prompts on your phone to verify your transaction and get your money.

5. Paydiant cardless ATMs

Many small banks offer cardless ATM access to customers through Paydiant, which is owned by PayPal. Paydiant has over 72,000 ATM locations across the US. It uses an app-generated QR code to grant you cardless ATM access.

How to withdraw money

(Video) Withdraw Cash without ATM CARD using Card less Cash Withdrawl facility - URDU

  1. Open your mobile banking app and locate a cardless ATM near you.
  2. Request your withdraw.
  3. Choose the Mobile Cash Access option on the ATM.
  4. Use your phone to scan the QR code on the ATM’s screen.
  5. Grab your cash from the ATM.

As this feature becomes more common in the US, it’s important to compare your options and consider features related to cardless ATMs.

Bank of AmericaGoogle PayUse cardless ATMs to get cash via smartphone app | finder.com (7)Consumer debit cards, U.S. trust debit cards, small business debit cards (owner card only)PIN
BMO HarrisBMO Digital Banking AppUse cardless ATMs to get cash via smartphone app | finder.com (8)Use cardless ATMs to get cash via smartphone app | finder.com (9)BMO Harris debit cardsScan QR code on your phone once you arrive to at the ATM
Wells FargoWells Fargo Mobile – Card-Free AccessUse cardless ATMs to get cash via smartphone app | finder.com (10)Use cardless ATMs to get cash via smartphone app | finder.com (11)Wells Fargo debit and Wells Fargo EasyPay cardsPIN/ATM Access Code
ChaseApple Pay, Google Pay or Samsung Pay mobile walletUse cardless ATMs to get cash via smartphone app | finder.com (12)Use cardless ATMs to get cash via smartphone app | finder.com (13)Use cardless ATMs to get cash via smartphone app | finder.com (14)Consumer debit cards (excluding CPC Privileges card), business debit cards (excluding Business Associate cards) and Chase Liquid cardsPIN
Capital OneCashTappUse cardless ATMs to get cash via smartphone app | finder.com (15)Use cardless ATMs to get cash via smartphone app | finder.com (16)360 Checking accountNone. Once you’ve scheduled your withdrawal, head to the ATM and sign in to CashTapp. Then, move your phone close to the ATM’s CashTapp sticker.
Fifth Third BankFifth Third mobile banking appUse cardless ATMs to get cash via smartphone app | finder.com (17)Use cardless ATMs to get cash via smartphone app | finder.com (18)N/APIN
PNC BankPNC Mobile appUse cardless ATMs to get cash via smartphone app | finder.com (19)Use cardless ATMs to get cash via smartphone app | finder.com (20)All active PNC debit and banking cards are eligible for card-free ATM accessEnter a one-time eight-digit access code generated by the app, then enter your PIN

You may be limited to the amount of money you can withdraw daily from your account. But this varies between accounts and banks. Check your bank’s account disclosure to see what your cash withdrawal limit is.

Can someone else pick up my cash from a cardless ATM?

Some banks may offer a sharing option where you can have someone else pick up your cash. Check with your bank to see if this is an option. In some cases, you just need to provide the app with the appropriate person’s mobile phone number.

Connect with a cardless ATM through app-generated codes or near-field communication (NFC). Here’s how they differ:

  1. App-generated codes. These are typically QR codes, although they can be a series of numbers. If your ATM uses this type of technology, you request a withdraw in your mobile app and then scan or enter the code once you get to the ATM. Then, the ATM verifies your identity and authenticates your transaction.
  2. NFC.Some ATMs use NFC to conduct cardless transactions. With this type of cardless ATM, you tap your phone against the ATM’s contactless symbol and your phone’s digital wallet pulls up. From there, you select which card you want to use from your wallet and enter your PIN. Then, the ATM authenticates your transaction.

Compare checking accounts with cardless ATM access

Open any of these checking accounts today to enjoy cardless ATM access.

1 - 5 of 5

Using a cardless ATM has these benefits.

  • The convenience of traveling light. With a cardless ATM, you have the ability to travel light and leave the debit card at home when the occasion calls for it. You can also quickly access cash in emergencies — even when you’ve left your wallet at home.
  • Share it with your trusted family and friends. This makes it easier to give family members limited access to the account when they need it. Rather than paying for extra debit cards or worrying about how much they withdraw, you can control their spending by using the app.
  • No additional costs for using it. The app works the same as a debit card when withdrawing money. As long as you’re using cardless ATMs in your bank’s network, you should not be charged any additional fees.
  • Increased security. Your cardless ATM verification code will typically expire after a set period of time — usually 30 minutes or so. The code is also for one use only, rather than a debit card which prompts you for the same code each time you use it.

Can you catch COVID-19 from handling cash?

There’s no evidence suggesting you can catch COVID-19 from handling cash, though the Centers for Disease Control and Prevention suggests washing your hands after you’ve dealt with money to keep up hygiene that can slow the spread of this disease. If you’re concerned about withdrawing cash from an ATM, consider a cardless ATM to minimize contact with the machine.

Here are a few things to watch out for when using a cardless ATM.

  • Only at select banks. Right now, only select banks in the US offer cardless ATMs, limiting your choices when making comparisons.
  • Relies on ATM’s network. If the ATM network is down, you will not be able to use the code to withdraw money until it is up and running again.
  • Cardless ATM fraud. If someone gets ahold of your bank’s login credentials and PIN, they can connect your account to their phone and withdraw money without needing your physical debit card.

Two-step verification and near-field communications (NFC) are two measures that typically make it safer to use a cardless ATM over a traditional one because it eliminates the threat of skimming devices. Still, you should still be mindful of how to protect your money when grabbing cash.

  • Protect your online banking details

Never share the password to your online bank account. With the password, people could gain access to your cardless cash details and make withdrawals without your consent.

  • Monitor suspicious transactions on your account

Although banks take precautions to protect your information, there is always the possibility of a hack. If you notice unauthorized withdrawals from your account using cardless cash, notify the bank immediately.

FAQs

Can I get money from 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.

What ATM can I use for cardless cash? ›

What is Cardless Cash? Cardless Cash is a new Mobile Banking service that allows you to withdraw cash from an ATM without using your card. 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 or Westpac ATM.

How can I use cardless ATM with my phone? ›

To start using cardless Chase ATM access, be sure you've added your eligible Chase debit card to your phone's mobile wallet app.
  1. Access your mobile wallet on your phone and choose your virtual Chase Debit Card.
  2. Look for the. symbol on the ATM, and tap it with your phone.
  3. Enter your PIN as usual.

Can I get money from the ATM using my phone? ›

Use your phone instead of a card at the ATM (CNET News) - YouTube

How can I withdraw money without my debit card or ID? ›

Bank of America, Chase and Wells Fargo are just a few banks that offer cardless or "tap" ATM access.
...
Some simple ways to withdraw money without a debit card include the following:
  1. Cash a check at your bank. ...
  2. Cash a check at a store. ...
  3. Use a withdrawal slip at a bank branch. ...
  4. Work with a bank teller.
Oct 16, 2021

Can I use virtual card at ATM? ›

Where can I use a virtual card? A virtual debit card can be used just like you would use a physical bank card. In addition to online purchases, you can use a virtual card for contactless payments in stores by adding it to Apple Pay or Google Pay. Some even allow you to withdraw money from ATMs.

Where can I find a cardless ATM? ›

Many small banks offer cardless ATM access to customers through Paydiant, which is owned by PayPal. Paydiant has over 72,000 ATM locations across the US. It uses an app-generated QR code to grant you cardless ATM access. Open your mobile banking app and locate a cardless ATM near you.

How can I withdraw money from my mobile phone? ›

How will the new method work. -To withdraw cash without a card, you will need a UPI ID, The transactions will be authenticated via UPI. -Once you enter the ATM, you will have to choose the “Cashless Withdrawal” option on the screen. -The ATM screen will then show a QR code that needs to be scanned within a UPI app.

How can I get money out without my card? ›

Some ATMs (especially bank network ATMs) allow you to make cardless withdrawals using your mobile banking app or mobile wallet. Another way to access cash is to cash a cheque, collect cashback, or go directly to your bank in person to withdraw the cash (although this can come with some fees).

How can I draw money without my card? ›

Visit your nearest bank ATM and select the cardless cash withdrawal option on the ATM screen. Select your mobile number and enter the OTP or the transaction ID received on the registered mobile number. Enter the amount and withdraw the cash.

How do I withdraw money from capitec ATM without card? ›

The easiest way to withdraw money from a Capitec ATM without a card is to use the Send Cash feature. This option allows you to send money from your cellphone (via the Capitech Banking App or by SMS) to be collected using a unique reference number and four-digit PIN (which you set yourself).

Videos

1. Cardless Cash - Use the GSB Mobile App to Make an ATM Withdrawal
(Gorham Savings Bank)
2. What banks use cardless ATMs?
(Slava - Money)
3. Cardless Cash for Android | MidFirst Bank
(MidFirst Bank)
4. How to do Cardless Withdrawals using LANDBANK ATMs
(LANDBANK Official)
5. Chase ATM - Cardless Access: How To Use Chase ATMs With Your Mobile Wallet
(Chase)
6. SC QR Cash Cardless Withdrawal
(渣打銀行香港Standard Chartered HK)

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