Someone can withdraw money from an ATM without a physical debit card primarily through mobile banking apps and digital wallets, provided both their bank and the ATM support these features.
With this feature, you can withdraw money from an ATM with your Google Pay app without the use of your debit card. When you select the option “UPI Cash withdrawal” and an amount on an ATM, you can do a normal UPI transaction through a QR scan payment on Google Pay.
Withdraw Cash Without a Card
It's easy to get cash out of an ANZ ATM - without your card! Just tap your digital wallet with an eligible ANZ Visa debit or credit card.
No. To protect the rightful card holder, the bank will not allow ATM withdrawals until the card holder reports that it has been found, or receives a replacement card.
Cardless cash entails a user creating a number in the banking app, and that pin is used at an ATM to get cash without a physical card - while other people can extract the cash using a code. Westpac said the change has been driven by more people using digital payments as opposed to spending cash.
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.
Contactless ATMs
Some Australian ATMs (mainly those owned by ANZ), support contactless technology. If you have a contactless bank card, you can tap it instead of inserting it into the machine. However, you'll still need to key in your PIN. You can recognise contactless ATMs because they have the contactless symbol.
Skimming. More sophisticated fraudsters can clone your card without your knowledge and use that copy to make unauthorised payments online. They use small machines that can read and collect data stored on a card's magnetic strip. The stolen data is then used to create a counterfeit copy of your debit card.
Banks may place a hold on the card and/or account to prevent further fraudulent activity and may issue a temporary credit during the investigation. Investigators collect details like transaction date, time, amount, and location, and also analyze other financial patterns and consumer behavior.
A cardless ATM lets you withdraw cash using your mobile or other smart device instead of a physical debit card. They tend to use the same technology as used in contactless payments, called near-field communications or NFC. Others use QR codes.
Get Cash is a feature in our mobile banking app that allows you to withdraw money from a cash machine without using your debit card. It's ideal for situations when you need cash but don't have your card with you.
While contactless payments use tokenization and encryption, they're still vulnerable to risks like lost or stolen cards, relay attacks, or spoofed QR codes. Merchants must ensure they're using PCI-compliant hardware and software.
At the ATM, open your mobile app or digital wallet to start your transaction. If you're using a digital wallet, pick the virtual card you want to use. Tap the ATM or scan the QR code. At an NFC-equipped ATM, tap your phone on the ATM's contactless symbol on the ATM.
How to use cardless cash
How to Withdraw Money From an ATM
Contactless ATMs let you withdraw cash using your mobile phone's digital wallet or banking app. Major US banks like Chase, Bank of America, and Wells Fargo offer cardless ATM technology. Cardless ATM access works through near-field communication, QR codes, app-generated codes, or biometric authentication.
They'll use details such as location data, timestamps, and IP addresses to determine if a cardholder was involved in a transaction or not. If a cardholder claims that a vendor somehow defrauded them, the bank might ask for more information.
How do unauthorized withdrawals typically occur? They can occur due to various reasons such as theft of debit/credit card information, hacking, phishing scams, or other forms of identity theft.
Cash Trapping.
A contraption inserted into the cash-dispensing slot that blocks an ATM's shutter so that bills cannot be presented to the customer. The criminal retrieves the cash once the customer leaves.
A ghost credit card is a payment method that is tied to a specific department within a company or to a specific purpose or vendor, rather than to an individual person. The business providing the card to its employees or its vendors can set spend limits.
ATM and POS Terminal Skimming
Pinhole cameras installed on or around ATMs record a customer's PIN entry. Pinhole camera placement varies widely. In some cases, keylogging keypad overlays are used instead of pinhole cameras to records PINs. These overlays record a customer's keystrokes.
There are several ways someone could use your debit card without a physical card. Fraudsters just need your card number, security code, the name on the card and a Zip Code to make most online purchases with a stolen card.
How to use Get Cash
A Westpac spokesperson said the bank had seen a drop in customers using the service. “We're introducing changes to Cardless Cash withdrawals in response to the shift in customer behaviour towards digital payments,” a Westpac spokesperson told Yahoo Finance.
Cashless might be convenient — but cash isn't going anywhere 💵 From Jan 2026, major supermarkets and servos must accept cash for essential purchases up to $500.