Your card PIN is usually required anytime you want to withdraw money at an ATM. However, if you don't have your card PIN, you can consider going to the nearest bank branch to withdraw funds from the teller.
There are other creative ways to use a digital wallet to withdraw your funds, which wouldn't require you to use your PIN.
Let's see how each of these methods works.
1. Go to the Bank that Issued The Credit Card
Going to your bank branch is usually the most straightforward way to withdraw money from your credit card if you can no longer remember its PIN. They'll not only let you withdraw your money, but they'll also let you reset the PIN to something new that you'll likely remember.
Once you get to the local branch, provide the cashier with all they need to verify that you are legally authorized to act upon the credit card you want to withdraw funds from.
After they are done with the required verification, they'll let you withdraw the amount you want to get from your card, provided it is within the authorized limits.
2. Withdraw Through a Digital Wallet
If you've ever linked your credit card to any digital wallet (be it PayPal, Venmo, Cash App, Apple Pay, etc.), you can easily withdraw money through these wallets.
I'll take Apple Pay as a good example since I use it for stuff like this. Apple Pay has a cardless ATM withdrawal feature (NFC) that lets you withdraw money from your wallet without having to use the card itself. So if there's no card needed, you won't automatically need to use your credit card PIN, right? Yeah, that's how it works.
But the hassle with this method is that you'll need to find a cardless ATM that supports Apple Pay withdrawal. The first time I used this was with a Bank of America ATM back in 2024. Since then, I had a friend try it with a Wells Fargo cardless ATM, and it worked, though he used a debit card.
Nevertheless, the concept is typically the same; you'll just need to find a cardless ATM. There are many cardless ATMs in the US, besides those offered by Bank of America, Wells Fargo, and Chase. When you find one, you'll need to follow these steps to withdraw money from the ATM without using your card's PIN:
- Open Apple Wallet on your phone and select the card you want to withdraw funds from.
- Place the phone near the contactless (NFC) reader of the ATM, then double-tap your power button.
- Verify your Wallet PIN, Face ID, or enter your passcode (depending on what you use as authentication).
- Confirm the amount you want to withdraw from the ATM and collect your cash.
This method always works, especially if you don't carry along your physical card with you. I haven't yet had to try it out with other wallets like PayPal, but Apple Pay's cardless ATM withdrawal should work well for anyone.
Do You Need a PIN for a Credit Card at ATM?
Yes, you'll usually need a PIN to withdraw money from a credit card at an ATM.
Final Thoughts on How to Get Cash from Credit Card Without PIN
Credit cards are used to get Cash Advances before the payday. Many individuals out there have many credit cards and remembering each card's PIN isn't easy. If a situation arises where you need to get your cash from your credit card but have forgotten your card's PIN, you can always request a new PIN from your credit card issuer.
