How To Withdraw Money From ATM Without Pin Code | Full Guide

Many people say the future is cardless. They believe at a certain point, cards will run out of extinction as more technologies have come in to ensure people conduct transactions without a card.

Now the question is: Can you really withdraw money without a card?

Is it possible to make a purchase using a debit card without a pin number? Or make withdrawals without a card and pin code? Actually, it’s possible and I’ll show you how to withdraw money from an ATM without a pin or card.

Join me to read this article to the end to know if it is possible to withdraw money without pin code or not and the possible way to go about it.

About Personal Identification Numbers (PINs Code)

A personal identification number or sometimes called a pin number is a numeric passcode that is used in the process of authenticating a user accessing a system.

PINs typically range from four to six digits created by the cardholder and are never stored on the card itself.

The function of the pin code is to verify the user’s identity at ATMs and other computer systems that can access the account at the issuer.

How Can You Withdraw Money From Your Account?

As an account owner, there are efficient ways to withdraw money or remove funds from your bank account. You can withdraw by automatic electronic transfer, check, ATM, or debit card.

Let’s go over each of them.

An automatic Electronic Transfer is an online payment automatically deducted from the account balance regularly. Examples are payment of your cable bill, utility bill, or car insurance.

Another way to withdraw money is to write a Check. Few people write checks these days, but it is essential to understand how a check works.

So, a check is a printed form directing a bank to withdraw money from an account and pay it to another account.

Most of us are familiar with this way, which is using an ATM (Automated Teller Machine).

An ATM card is used at an ATM to access a computer that allows you to get cash, make deposits, or transfer money between accounts. ATMs can be used 24 hours a day, 7 days a week.

Banks usually provide their customers with ATM cards as a free service. However, when an account holder uses an ATM card at an ATM that is from a different bank, there is often a fee charged for the transaction.

Another method of withdrawal is a Debit Card. A debit card is a pay-now, point-of-sale transaction card that replaces cash and checks.

Debit card transactions are deducted electronically from a cardholder’s savings or checking account. Debit cards are different from ATM cards because you can use them to purchase items.

How Can Someone Withdraw Money from My Account Without My Card

Sadly, crooks are always searching for new ways to defraud unsuspecting fellows. Hence, it would be best to be careful with your card and other details.

A crook can withdraw money from your account without your card by placing a skimmer on a gas pump. Usually, this is done by installing an internal device by breaking into the pump through the fuel dispenser door, while an external device is installed over an existing card reader, hidden in plain sight.

Others may have phished you via email. If they get hold of vital information on your card, they can withdraw from your account while your atm card is still in your hands.

Read this: Direct Express Pending Deposit Meaning and How it Works

Can You Withdraw Money From an ATM Without a Pin Code?

Unfortunately, you can’t withdraw money from an ATM without a pin code. Usually, ATMs, banks, and retailers usually won’t allow you to withdraw or add cash to a transaction without a pin.

This does not mean your card can’t be stolen or used; it simply means you can’t withdraw money directly from your account without the pin.

But there is one option that works without your card pin code or even the card, which is for you to go to any cardless-enabled or pay code-enabled ATM.

Most banks allow you to make such cash withdrawals.

How it works: From your bank app, you send cash to your phone number, it generates a pay code.

Then you can go to any cardless/pay code-enabled Atm, using the phone number and the pay code to get the cash-out.

Note: you can only do this option if your bank supports the service.

How To Use A Debit Card Online Without A PIN?

Another way to use a debit card without a PIN is to make purchases online or through the bank’s mobile app. Instead of a debit or credit card option, online payment gateways provide a general card option.

To complete the purchase, you will only be asked to enter your debit card number, expiration date, and CVV. The CVV is typically a three or four-digit number on the back of the card. American Express is the only card with a four-digit CVV code. The number is found on the front right side of the card.

Such convenience comes at a high risk of scams. If you lose your card or a fraudster on the dark web manages to steal your credit card details, they can make purchases with it.

A more protected option will be to consider linking your credit card to an online payment platform like PayPal. Then you can make credit card purchases via your PayPal account. 

Alternatively, make purchases via your bank’s mobile app. Once you login in, you can access your account details and make purchases directly from your debit card account without the PIN.

How You Can Withdraw Money With Your Debit Card

Before we further tell you how you can withdraw money with your debit card, let’s first explain what a debit card is.

You can use debit cards to pay for things online or offline, transfer money from your account to another account, and withdraw money from ATM.

When you open a checking account, you can get a debit card from your bank. Sometimes a debit card is free to use. Sometimes you will pay a fee to use the card.

Debit cards look like credit cards, but their functions are different. Credit cards use the money you borrow, while debit cards use money already in your checking account.

There are steps on how you can withdraw money from your ATM. The first thing you need to do is to insert your card into an ATM.

For security purposes, you will need to enter the PIN you chose for the card. As I said earlier, you can either withdraw cash, deposit a check or cash, transfer money, or view your balance with your debit card.

Steps On How To Withdraw Money From An ATM With Your Debit Card.

Here are the steps to withdraw money with your debit card.

  • Insert your ATM Card into the ATM
  • Select your language from the language options appearing on the display screen.
  • Use the keypad in the ATM to enter your 4-digit PIN. While you enter your pin, ensure that nobody is watching you because it’s your secret PIN.
  • Also be careful while entering the Pin, as a wrong PIN may lead to the blockage of the ATM card.
  • On the ATM screen, you will see different types of transaction options such as Deposit, Transfer, Withdrawal of Money, etc. For cash withdrawal, you will have to select the Withdrawal Option.
  • After selecting the cash withdrawal option, the screen will display different account types, like saving, current, or particular accounts. Select your account type.
  • Now, enter your withdrawal amount. Ensure the withdrawal amount you enter is not more than the balance in your account. Then press enter.
  • After that, you can collect your cash from the lower slot of the machine.
  • Also, you will get an option if you want a printed transaction receipt. If you click yes, you will get it after you receive your cash.

Also, check this: How to check if a Credit Card is active|Step-by-Step Guide in 2023

How To Get Cash From Credit Card Without Pin

You need a government-issued photo ID to get cash from a credit card without a pin. If you need to withdraw cash from your credit card without your pin, visit a bank that does business with your credit card company.

You can ask for a cash advance if you present a card alongside a government-issued photo ID. Whichever way, you need your credit card at least to withdraw cash without a pin. Your driver’s license or passport is an approved government-issued photo ID.

READ ALSO: How to Easily Sell Cars in need For Speed Heat. 

How To Withdraw Money from Someone’s Account Without Pin

It is impossible to withdraw money from someone’s account without a pin. It is fraudulent activity and can land you in jail.

Peradventure, if you need to help withdraw money from someone’s account for some informal reason, contact the person for the pin.

If you can not contact the person, you are fraudulent and must desist from that.

How to Protect Yourself from Pinless Debit Card Fraud?

The comfort of using your debit card without a PIN can be jeopardized by PINless debit card fraud. No PIN debit card fraud can occur if your card gets stolen or if someone copies your credit card details.

Although a fraudster can’t withdraw cash or get cash back at a store without the PIN, they can still go shopping with it. It is dangerous because they can charge your card by making unauthorized purchases online and in-store.

Remember that a debit card is directly linked to your checking account and draws money from your bank to pay for the purchase. That means your account can get milked dry within no time. Pinless debit card fraud can, therefore, be risky.

How can you detect and prevent fraud? Here are five ways to protect yourself from no pin debit card fraud:

  • Track your balance daily: Download the smartphone app for your bank or sign up for internet banking. Then, you may view the most recent transactions and check your balance whenever you choose. It facilitates the detection of any unauthorized activities on your account. If you see any warning signs, contact your bank right away.
  • Set message and email alerts: Sign up for banking alerts so your bank can instantly send you an email or text notification anytime a purchase or withdrawal hits a specific limit in your account.
  • Link your card to a payment platform: Linking your credit card to a payment platform like PayPal will give an extra layer of security instead of providing your credit card information to every online business. Your PayPal email is the only information the merchant will see.
  • Use a credit card instead: Credit cards do not just collect money directly from your bank account. A benefit of credit card issuers is that they offer better protection against fraud. You can initiate a chargeback for fraudulent transactions before paying off the monthly loan. The issuer will act quickly to settle the dispute because they want you to pay their due money.
  • Have separate accounts: You are out of money within no time if your checking count is compromised. You can set up separate accounts with most of your money to avoid this. Transfer money into your debit card account just before you need it. If someone steals your card for fraudulent spending, you will still have some cash to meet your financial obligations as your bank or credit union pursues the matter.
  • Steer clear of scam websites: Avoid phishing websites run by con artists that resemble your bank’s official sites. Their goal is to steal your debit card data and try to access your account to steal your money. Visit your financial websites directly by typing in the web address, not through email or text.
  • Avoid financial transactions on public networks: When doing online or mobile banking, make sure you use a secure network. Avoid transacting on unsecured networks such as public Wi-Fi. I’d suggest using a VPN to hide your financial information and location. A VPN creates anonymity, just like when watching Netflix in another country.

FAQs On How To Withdraw Money From The ATM Without A Pin

How can I check my debit card balance without a PIN?

You can check your debit card balance without a pin by checking your balance online, using a mobile bank app, setting up alerts, or even talking to a teller.

Can you get cashback at a store without your PIN?

As discussed earlier, retailers will allow you to process your debit card as a credit card to pay for your purchase. However, you would still need to provide the PIN to add cashback to the transaction. Retailers play by the same rules

Do you need a pin to perfect online shopping?

When shopping online, you won’t need a pin. Online transactions these days have made life much easier for the average person, not only because it is convenient, but it’s also pretty time-conserving


You cannot withdraw money from ATM without a pin code. However, the only option that works to withdraw your money without your card pin code or even the physical card is to go to any cardless-enabled or pay code-enabled ATM.

I hope this article helps you answer the question of How To Withdraw Money From an ATM Without a Pin Code



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