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Many people when at a certain age already get a Bank Account to their name and it is no surprise when someone with a bank account says he is fed up with the Bank's ATM.
For the majority of adults in the country, using an ATM to receive cash is a pretty normal operation. However, many people find it to be inconvenient because it takes time.
At times going to your bank's ATM and seeing a long line waiting to withdraw cash, or even after slotting your card into the ATM, the card does not come out back. These are just a few issues many people get with Bank's ATMs.
And because of this, many people look for means by which they can withdraw their cash without necessarily needing that Rectangular card given by the bank.
Don't worry if you need to withdraw cash but don't want to carry your debit card with you or have left it at home; you may still complete the transaction. In this article, we will show you the different ways you can withdraw from your account without your Debit Card.
Table of Contents
How To Withdraw Money Without a Card
Why Withdraw money without Card?
Many people have their own different reasons why they want to withdraw cash without their debit card. Depending on you, you could have your own issue that is making you think of withdrawing cash without your debit card meanwhile another person could have his own reason.
Nevertheless, any of the reasons you have, will still cause you to get a withdrawal without your debit card. Below, we tried to outline some of the few reasons people can have that can cause them to look for a withdrawal without card. They are;
ATM Slot issue: Difficult withdrawal, or even at times, the ATM machine disturbs like in a case of refusing to recognize your card, or even keeping your card stock in it.
Population at ATMs: Banks are now very saturated with many people opening bank accounts and getting to withdraw at your ATM you see a very long line when you could be in a haste, will obviously make you think of trying to withdraw without card.
Missing Card: Your card could have been lost and you need an urgent withdrawal while waiting for your new card to be provided by your bank.
Experimenting something new. Funny right? Well someone could really just want to experience something new instead of just going to his Bank's ATM every time for withdrawal.
Advantages and Disadvantages of Withdrawing without Card
Are there really advantages? Yes there are since withdrawing without card can be advantageous in the fact that you will not be forced to move with your debit card.
With some methods, you can do a withdrawal anywhere not only at your ATM. Which could be very advantageous for many.
Nevertheless, you security is not very assured when you withdraw without a card though it is secured in some other methods.
Also, withdrawing without a card can be very costly with high fees. Which makes it disadvantageous for many who earn very little.
How to Withdraw Money Without an ATM Card
You want to withdraw some cash from your bank account without a debit card? Use any of the methods below. They are;
1. Visit your Bank's Branch
The simplest way to withdraw money without an ATM card is to visit the closest branch of your bank and ask the cashier to withdraw money from your current account.
Even though this option isn't everywhere, the majority of high-street banks still allow for over-the-counter withdrawals, which make it simple and convenient to get cash without an ATM card.
As a result, if your bank puts a limit on cash withdrawals (either in frequency or value), it probably also applies to withdrawals made in-branch. In most situations, this service will be recognized as an ordinary ATM transaction. Withdrawals made in-branch may incur additional service charges, albeit this is not always the case.
Practically all banks mandate that only the signatory or account holder may make an in-branch cash withdrawal, therefore you might be asked to present identification to complete the transaction.
2. Write Yourself a Check
One of the simplest methods for obtaining cash without an ATM card is this one.
You only need to write yourself a check that is either made out to you or says "Cash" and take it to your bank to get it cashed. You must show the teller your driver's license or other form of identification if you don't have your ATM card.
The likelihood is that you won't be allowed to cash the check if you don't have a bank account with the financial institution where you're doing so; alternatively, they might charge you a fee or ask you to register as a customer before allowing you to do so.
3. Use a Cardless ATM
The majority of banks now allow cardless ATM usage to increase consumer withdrawal security online. Banks are utilizing this technology to reduce ATM fraud as a result of hackers' ability to obtain customers' ATM card numbers.
The banks assert that this is a safer method of withdrawing cash from an ATM since it involves additional digital security measures, such as scanning a barcode at the ATM to verify your identity.
Customers who don't wish to carry an ATM card will also find it useful.
3. Get Cashback
In some stores, you might be able to add additional cash to the transaction total and receive that cash handed back to you in return if you urgently need a little amount of cash and have been using your debit card (or a digital debit card through your smartphone).
Due of the limited availability of this service in retail locations, gift cards, PayPal, and even checks are frequently used as the main means of cashback payouts.
Even when it is available, cash payouts for cashback are typically limited to a very low amount, typically $10 to $30 and infrequently more than $100.
5. Using Mobile Money
If you are in a country that use MTN as ISP(Internet Service Provider), then you are eligible to this. There are many other ISPs in the world that have enabled the Mobile Mon ey option.
And you can just simply link your mobile money number with your bank account and at anytime, and anywhere, you can be able to just send cash from your bank account to your mobile money account.
And so, if you are in a street without an ATM, then you can just simply look for a mobile money withdrawal point and withdraw the money from your mobile money after sending the money from your bank account to your mobile money.
But this could be very advantageous due to the high fees they many implement on the sending and on the withdrawal.
6. Use a Payment App from Your Smartphone
The expression "there's an app for that" has been overused for a reason. To send money to someone who might be able to withdraw the funds on your behalf, use an app.
Sending money to pals makes it simple for them to withdraw cash on your behalf.
Remember that you won't be able to withdraw big sums of money using this option. Most likely, there are limits on the amount you can send. For instance, Square Cash limits your withdrawals to $250 each.
Apps that let you send and receive money:
- PayPal
- Venmo
- Zelle
- Chime
- Square Cash
- Apple Pay
- Google Wallet
- Cash App
- and many others
Well, you can use any of the above methods and send money before withdrawing from there.
7. Using Prepaid Cards
Using a prepaid debit card created for low-fee transactions, such as ATM withdrawals, is the most efficient way to withdraw cash, regardless of whether you have an ATM card or not, have misplaced it, or just forgot it at home.
Even while traveling abroad and using a foreign currency, you can completely avoid ATM withdrawal fees by using one of the many competitive travel card options available. (Depending on the card, the only costs you would incur in these situations could be modest Visa or Mastercard exchange rate markups or network fees from the ATM itself.)
8. How to Get Cash Through the Bank’s App
With Wells Fargo, you can use 13,000 ATMs without a debit card. You can generate a unique 8-digit PIN for your ATM using the bank's mobile app.
With the Card-Free ATM service provided by PNC Bank, you can withdraw cash using the PNC Bank mobile app. Get your cash by requesting a one-time access code, taking it to a PNC ATM, and entering it.
Barcodes are used instead of numerical PINs by BMO Harris and Bank of Hawaii, and you must scan the QR code at the ATM in addition to entering your PIN to prove your identification.
There is a list of banks that offer this feature:
- PNC Bank
- Fifth Third Bank
- Bank of America
- Bank of Hawaii
- Salem Five
- Wells Fargo
- Wintrust Financial
- Chase Bank
Wrapping up
At times going to your bank's ATM and seeing a long line waiting to withdraw cash, or even after slotting your card into the ATM, the card does not come out back. These are just a few issues many people get with Bank's ATMs.
With this, you can see that whether you have a card or not withdrawal is always possible and with these methods, you can withdraw your cash and use it easily.