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.

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 card, or debit card.

Let go over to each of them.

Automatic Electronic Transfer is an online payment that is automatically deducted from the account balance on a recurring basis. 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 important 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 pay now, a 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.

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How Can Someone Withdraw Money from My Account Without my Card

Sadly, crooks are always on the search for new ways to defraud unsuspecting fellows. Hence, you need to be careful with your card and other details.

One of the ways a crook can withdraw money from your account without your card is 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 whilst your atm card is still in your hands.

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

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 normally range from four to six digits that are 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.

Can You Withdraw Money From ATM Without Pin Code?

Unfortunately no, you can’t withdraw money from an ATM without a pin code. Usually, ATMs, banks, and retailers won’t allow you to make withdrawals or add cash to a transaction without a pin.

Actually, 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 you 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.

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

How You Can Withdraw Money With Your Debit Card

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

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

You can get a debit card from your bank when you open a checking account. 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 money that you borrow, while debit cards use money that is 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 number you chose for the card. Just 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 in the ATM machine
  • Select your language from the language options appearing on the display screen
  • Use the keypad in the ATM to enter your 4 digit pin number. While you enter your pin, ensure that nobody is watching you because it’s your secret pin number. 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 a saving account, current account, or a special type of account. Select your account type.
  • Now, enter your withdrawal amount. Make sure 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 receipt of the transaction. if you click yes, you will get it after you receive your cash.
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Also, check this: How to check if a Credit Card is active|Step-by-Step Guide in 2022

How to Get Cash from Credit Card Without Pin

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

There, 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 a passport are some approved government-issued photo ID.

How to Withdraw Money from Someone’s Account Without Pin

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

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

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


There is actually no way you can 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 on How To Withdraw Money From ATM Without Pin Code



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