How to withdraw money from an ATM without a card: all methods

[Tomcat]

All modern bank cards are equipped with contactless payment chips. When making a purchase in a store, you just need to touch the card to the terminal, and not swipe it, as was the case before.

Banks could not ignore cash withdrawals - an operation that is still one of the most popular. Contactless ATMs have appeared, where, by analogy with POS terminals in stores, you just need to touch the card to the reader - it’s faster and safer than using a card reader. Alfa-Bank became a pioneer in this direction, then such an opportunity appeared in Sberbank, Tinkoff Bank, etc.

Contactless transactions are now available in one form or another at the ATMs of almost every major bank, and the most advanced ones offer several ways to withdraw cash without a card. Let's look at the features of each of them.

Is it possible to withdraw money from an ATM without a card?
Modern technologies make it possible, in principle, to do without a card on a physical medium. A virtual card can completely replace plastic without losing in functionality. You can withdraw cash from an ATM without a card, but you'll need a smartphone, a banking app, and an advanced terminal to do so. In addition, you can withdraw cash without a card only through an ATM.

How to withdraw money without a card

Method 1: Withdraw cash from an ATM using your phone's NFC chip

What you will need:

• Android smartphone with NFC enabled;
• “Mir” card linked to the Mir Pay or Samsung Pay service;
• an ATM equipped with an NFC reader (look for an icon with a picture of radio waves on the device).

How to proceed:

1. Activate the payment service on your phone.
2. Place the back of the phone on the reader.
3. Enter your card PIN.
4. Follow the instructions on the ATM screen.

Method 2: Withdraw cash from an ATM using a QR code through the application

What you will need:

• card from banks;
• smartphone with a banking application installed;
• a “native” ATM equipped with a scanner (look for an icon on the device with the image of black pixels and squares on a white background).

Method 3: Withdraw cash from an ATM using biometrics

What you will need:

• card from bank;
• ATM with biometrics;
• pre-connected biometrics and set security code.

You can connect biometrics in the bank Online application:

1. Click on the profile icon in the top left corner of the screen.
2. Select the “Face and Voice Recognition” section.
3. Agree to the processing of biometric data and follow the prompts to take a photo of your face and record your voice.

Complete the setup at the ATM:

1. Place the card on the reader and enter the PIN code.
2. Go to the "Information and Services" section.
3. Click on “Assign/Change Security Code”.
4. Create and enter a 5-digit code that you will use at the ATM for service without a biometric card.

How to proceed:

1. On the ATM screen, click “Log in with biometrics.”
2. Look into the camera.
3. Enter your security code.
4. Follow the instructions on the ATM screen.

Method 4: Withdraw cash through a cash desk at a bank branch

What you will need:

• be a bank client;
• passport.

How to proceed:

1. Come to any branch.
2. Show the employee your passport.
3. Name the amount and account from which you want to withdraw cash. Please note: the bank may charge a commission (fixed or 0.5–2% of the transaction amount) for cash withdrawals at a cash desk.

Method 5: withdraw cash through the cash register in a store using the cashout service

What you will need:

• Android smartphone with NFC enabled;
• Mir card linked to the Mir Pay or Samsung Pay service;
• partner store (look for cash registers with a sticker “Here you can withdraw money from your card upon purchase”).

How to proceed:

1. Make a purchase for any amount.
2. Warn the cashier before paying that you want to receive cash and state the amount. (Please note: it must be a multiple of 100 rubles and not exceed 5,000 rubles).
3. Pay for your purchase by phone. If the transaction amount is up to 3,000 rubles, you will not have to enter a PIN code .

Is it safe to withdraw money from contactless ATMs?
When withdrawing (or depositing, or any other transaction) cash directly from the card, the session ends after removing the card from the card reader. When completing the contactless session, the ATM will prompt you to click on the “Logout” button. Should you be afraid that the next client in line will gain access to your account, or did you initiate a payment in favor of a previous client who launched a procedure before you (for example, replenishing an electronic wallet) and left it unconfirmed?

In fact, this is impossible: in order for the card to start exchanging data with the ATM, it must be activated, that is, enter a PIN code, which automatically cancels the previous session. With contactless interaction, any operation also needs to be confirmed with a PIN code and the card or phone must be applied to the reader again, or certain actions must be performed in the banking application.

Carders have long learned to make duplicate cards by stealing details and PIN codes using special readers, cameras and fake keyboard overlays installed in card readers. With the contactless method, card data is better protected from hacking - you won’t be able to install an overlay on the reader, and you will need a password or client biometrics to log into your account.

In addition to higher security, the contactless method of cash withdrawal has a number of other advantages:

• you don’t need to have the card with you, it is always with you in your phone;
• you won’t forget your card at the ATM;
• there is no risk that the card will get stuck in the card reader;
• plastic will last longer since the card is not subject to friction and other mechanical stress;
• the operation takes less time.

The main disadvantage of this method is the restrictions imposed by banks, gadgets and payment systems.

Is it possible to disable contactless cash withdrawals?
You cannot disable the contactless module on the card itself. On the Internet you can find ways to disable this module, but we strongly advise against following them! This way, you risk making the card completely unusable; it will have to be reissued , and this service may be paid.

Disable the NFC function on Android, then the smartphone will not be able to exchange data with reading devices in ATMs and payment terminals. This is very easy to do: go to “Settings” 🡪 “Connections” 🡪 find “NFC and contactless payments” in the list and move the slider opposite to the left.

How to withdraw money from a card without a phone: the main thing

• There are several ways to withdraw money from a card without the card itself, both using an ATM and without.
• It’s easier to get a small amount at a supermarket checkout than to go to a bank office to get it.
• Each method of contactless cash withdrawal from an ATM has limits of applicability due to restrictions on the part of banks, payment systems and technical equipment.
• Using an ATM contactless is faster and safer than using the traditional method where the card is placed in the card reader.
• Special stickers on the ATM body inform you about what contactless interaction modules the device is equipped with.
• All modern cards are equipped with a contactless payment chip; you cannot disable it, but you can deactivate this function on your smartphone.

(c) https://www.banki.ru/news/daytheme/?id=10993974