We all know the routine with ATMs, right? You enter your card into the card reader and type in your PIN code to withdraw funds.
Well, that's somewhat the old way to withdraw cash, I mean for those who haven't yet had a taste of cardless withdrawals which actually turns out to be the solution to withdrawing cash without using the PIN code.
So, if you're curious about learning more, I'll show you how to withdraw cash from an ATM without needing to enter your card PIN.
What is ATM Card PIN?
The PIN (Personal Identification Number) is a four-digit code that is unique to each ATM card and verifies that the transactions are being carried out by the card user or account holder. The ATM card cannot be used without the PIN being activated.
Can You Withdraw Money From ATM Without PIN Code?
You can't withdraw money from an ATM without a pin code, unfortunately. Without a pin, most ATMs, banks, and shops will not let you to make withdrawals or add cash to a transaction.
This does not mean that your card cannot be stolen or used; rather, it implies that you cannot withdraw money from your account without the pin.
However, you can use any Cardless or pay code-enabled ATM without using your card pin code or even the card.
You can make such cash withdrawals from most banks.
How it works is as follows: You send money to your phone number from your bank app, which generates a pay code.
Then you can go to any ATM that accepts Cardless withdrawals or requires a pay code, using the phone number and the pay-code to get the cash-out.
How to Withdraw Money From ATM Without PIN Code
To withdraw money from ATM without PIN code, you will need to first conduct a Cardless withdrawal transaction from your mobile banking app and visit a nearby Cardless ATM to withdraw your money.
Cardless ATMs allow you to access your account and withdraw cash without having to use a physical card. Cardless ATMs, on the other hand, rely on account verification by text message or a smartphone banking app.
Cardless ATMs can work in a number of different ways. Quick response (QR) codes and near-field communication (NFC) are the two major types of cardless technologies.
1. Use QR Codes
You must first set up a mobile withdrawal on your banking app before using a cardless ATM with a QR code. Before dispensing money, the ATM will display a QR code on the screen for you to scan with your phone.
2. Use Near-field Communication (NFC)
NFC, or near field communication, is a technology used by many services, such as Apple Pay. To use NFC at a cardless ATM, open your mobile banking app on your phone, select the linked bank account you wish to withdraw from, and tap your phone against the scanner.
The ATM will then ask you to either type in your PIN or swipe your card to complete the transaction (just as if you had inserted your physical card).
This method is good, but you need to make sure that both the ATM and your bank support cardless withdrawals through NFC.
How to Withdraw Money From ATM With Debit Card
Debit cards are cards that can be used to make purchases online or offline, move funds from one account to another, and withdraw cash from an ATM.
When you open a checking account with your bank, you will be given a debit card. A debit card is sometimes free to use. You may have to pay a fee to use the card.
Debit cards resemble credit cards in appearance, but their functions are distinct. Credit cards employ borrowed funds, but debit cards use funds already in your bank account.
There are several procedures to withdrawing money from an ATM. The first step is to insert your card into an ATM machine.
You must enter the pin number you chose for the card for security reasons. You can use your debit card to withdraw cash, deposit a check or cash, transfer money, or check your balance.
How To Withdraw Money From An ATM With Debit Card
- In the ATM machine, insert your ATM card.
- Choose your language from the list of options on the display screen.
- Enter your four-digit pin number on the ATM's keypad. Because it's your secret pin number, be sure no one is watching you while you input it. Also, be cautious when entering the PIN, as entering it incorrectly can result in the ATM card being blocked.
- You'll notice numerous types of transaction options on the ATM screen, such as Deposit, Transfer, and Money Withdrawal, among others. You must choose the Withdrawal Option to make a cash withdrawal.
- Following your selection of the cash withdrawal option, the screen will present various account kinds, such as a savings account, current account, or special type of account. Choose an account type.
- Now, enter the amount you want to withdraw. Make sure the withdrawal amount you input does not exceed your account balance. Then press the enter key.
- After that, you can take your money from the machine's lower slot.
- You will also be given the option of printing a receipt for the purchase. If you choose yes, you will receive it once you have received your money.
How to Get Cash from Credit Card Without PIN
A government-issued photo ID is required to get cash from a credit card without a pin. If you need cash from your credit card but don't have your pin, go to a bank that works with your credit card provider.
If you provide a card and a government-issued photo ID, you can request a cash advance. In any case, you'll need your credit card to make cash withdrawals without a pin. A driver's license or a passport are examples of government-issued photo identification.
How Can Someone Withdraw Money from My Account Without my Card
Unfortunately, fraudsters are continuously looking for new ways to scam unsuspecting people. As a result, you must be cautious with your card and other personal information.
Placing a skimmer on a petrol pump is one way a thief can withdraw money from your account without using your card. This is usually accomplished by breaking into the pump through the fuel dispenser door and installing an inside device, while an exterior device is fitted over an existing card reader and disguised in plain sight.
Others may have used your email address to phish you. They can withdraw money from your account while your ATM card is still in your possession if they acquire hold of vital information on your card.
How to Withdraw Money from Someone's Account Without PIN
Without a pin, withdrawing money from someone's account is impossible. It is, in reality, a fraudulent practice that can lead to jail time.
If you need to help someone withdraw money from their account for some reason, simply ask the person for the pin.
If you are unable to contact the individual, you are committing fraud and must cease and desist.
Frequently Asked Questions
Can ATM card be used without PIN?
Yes, ATM cards can only be used without PIN online.
Can someone withdraw money from my account without my PIN?
If a criminal steals a card but does not know the PIN, they would be unable to withdraw money from your clients' accounts at ATMs and will struggle to conduct in-person purchases. Unfortunately, many people utilize PINs that are simply guessable by thieves and scammers.
Final Thoughts
Under normal circumstances withdrawing money from ATM without PIN code using a debit card is impossible. However, you can use Cardless withdrawal to withdraw money from ATM without PIN code but you need to make sure your bank has Cardless ATMs.
Thieves always find ways to get money off people's account without PIN code. This is why you should consider keeping your personal information safe.
