The idea of replacing paper money with plastic money has been widely acclaimed and encouraged by financial institutions and regular people. Before the advent of plastic money, huge stacks of cash and dollar bills were usually seen in everyone’s wallet, which was not only a security concern but an impractical and inept way to deal with monetary issues, do casual shopping, and formal capital procedures. Nowadays, credit cards and debit cards are almost present in everyone’s wallets, and the convenience attached to them is commendable. However, suppose you need cash or want to withdraw a significant amount of money anywhere or anytime. In that case, you can do so with the help of your debit or credit card through ATMs located at numerous physical locations. However, if you are lucky enough to survive roadside theft or burglary where you have lost your cards and have been put in a situation where are you require the emergency withdrawal of cash without the ATM card, then there are a few ways to overcome it. The problem can be challenging and tricky at first but withdrawing money without the card in times of a predicament is impossible.
Recently my partner lose Charles Schwab ATM card and he solved the problem with a cardless ATM.
So can I withdraw money without my debit card?
How Can I Withdraw Cash Without ATM Card?
To withdraw cash without an ATM card, you need to use Cardless ATMs. Cardless ATMs rely on account verification via text message or a banking app on your smartphone and provide access to your money account and allow you to withdraw cash without the need for a physical card.
Let us see how to get cash without a debit card:
How to withdraw money without a debit card?
Ways how to get cash without a debit card are:
- Use Your Bank’s Cardless ATM.
- Get assistance from bank representatives.
- Write Yourself a Check.
- Use a Prepaid Card
- Use a Payment App from Your Smartphone
- Use Emergency Cash Service.
The best way to withdraw money without a debit card is to use a cardless ATM because Cardless ATMs operate by using either the bank’s app or another option such as Apple Pay, Google Pay, or Samsung Pay. You can withdraw money without a debit card using your mobile phone.
Assistance from bank representatives
If the debit or credit card is not in your possession, then you can visit your bank branch and ask for assistance from the bank’s agent or manager. Give details regarding the unfortunate loss of your card and explain your situation in detail. The bank administrators will guide you well and provide alternative conditions to block the ATM card and cash withdrawal. By providing your essential identification and verification documents such as a Social Security number, driver’s license, and your official name, the agent can get a hold of your account in the bank. Please comply with the bank’s necessary policies regarding verification and fill out its withdrawal slip and specify account information. You can take out the amount of cash you require through the withdrawal slip by adding complete details of the account number, which could be provided to you if you do not recollect it.
Through a check
If you are fortunate enough to have a checkbook from the bank, you can write yourself a check and make it out to cash in case of an emergency. Present this check to the bank agent or a retailer who can give you emergency funds from the cashier. However, providing the check to the bank is the safest option as the check will be instantly accepted, and cash will be given to you. If you visit the retail store and get some cashier money, you need to call ahead and check from the cashier to accept a check named and addressed from you to you. A check made to cash is considered less secure as there is a possible chance of theft in the case of a check being lost. The finder has the option to withdraw money with the help of a self-addressed check; therefore, for maximum safety, fill out the check upon reaching the bank.
Emergency Cash Without Card
Some banks offer emergency cash services. To utilize this facility, you need to contact your bank manager and provide details regarding the lost ATM card. In addition, you will be provided an emergency code number, which can be utilized at ATMs of the respective bank to withdraw funds in case of an emergency.
This scenario is only applied if ATM cards are lost; therefore,e this option should only be used in times of urgent situations as your ATM card will be disabled. Lastly, due to the convenience of smartphone apps’ availability, you can extract cash with a mobile app’s help if you are devoid of an ATM card. However, to avail of smartphone facilities, you need to submit your account details to the bank, register yourself to the bank’s internet banking service, and visit the branch personally. Once registered, you can download the mobile banking app and enjoy electronic transactions performed through the 2D barcode to the smartphone. This barcode is then used at the ATM to scan for authorization and to receive the cash.
Keeping and securing your ATM card should be your ultimate priority for managing financial documents and records. Without possessing an ATM card, you will not be able to withdraw money from any ATM regardless of the situation. If the account holder misplaces the ATM card, there is a risk of the card being mishandled by the finder. Once it has been established that the ATM card has been lost, it is essential to immediately talk to the bank manager about the card’s deactivation to prevent card exploitation. You can access the bank’s mobile application or call the bank through their international banking number and report the card’s loss by providing the account details. The card will be instantly blocked by the bank and give you an option to request a new debit card. However, additional charges may be applied for issuing a new card in place of the stolen or lost card. If the account holder suspects that the debit card has been stolen, it is suggested to file an FIR at the nearest police station.
Different banks provide the facilities of cardless ATMs, which make transactions through your smartphone easier and convenient. It is a tech-savvy way to receive money if you have overlooked your debit card. Cardless ATMs operate based on QR (quick response) code and near-field communication. To use the card and ATM service, you need to register with the smartphone’s mobile withdrawal app. The ATM has a QR code that needs to be scanned from your phone before withdrawing the money. Open the app on your mobile phone in the near field communication and select the bank account you want to extract your money from. Tap your phone against the chosen option, and the transaction will be completed after the ATM asks for a PIN.