Unlock Cash Without Your Debit Card! Discover the Secret to Cardless ATM Magic!

Unlock Cash Without Your Debit Card! Discover the Secret to Cardless ATM Magic! : Withdrawing cash from an ATM traditionally required a debit card. However, the banking landscape has evolved significantly in this era of flexibility and technological prowess, ushering in innovative methods to cater to these evolving needs. Leading financial institutions like the State Bank of India (SBI), ICICI Bank, and HDFC Bank have introduced a convenient service that enables customers to conduct transactions at ATMs without the need for a physical card. Here’s a step-by-step guide on how to utilize this service:

State Bank of India (SBI)

  1. Initiate a cardless cash withdrawal from an SBI ATM by logging into the YONO app and accessing the YONO Cash feature.
  2. Once logged in, select the YONO Cash option and then choose ATM.
  3. Specify the amount of money you intend to withdraw.
  4. The YONO app will dispatch a cash withdrawal reference number to your registered mobile number.
  5. Visit a nearby SBI ATM or a YONO Cash Point.
  6. On the ATM screen, opt for the ‘YONO Cash’ feature and input the reference number received on your mobile.
  7. Follow this with the cash withdrawal PIN you set on the YONO App.
  8. The ATM will then dispense the requested cash.

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  1. Start by adding a beneficiary through your HDFC Net Banking system. Navigate to ‘Funds Transfer’ and submit a request to add a beneficiary.
  2. This beneficiary is the recipient of your cardless cash withdrawal request.
  3. Fill in the required details and verify them, and then enter the OTP received on your mobile for confirmation.
  4. The new beneficiary will be activated for security reasons after 30 minutes.

Requesting Cardless Cash Withdrawal through HDFC Bank NetBanking:

  1. After activating the beneficiary, proceed to request cardless cash withdrawal via HDFC NetBanking.
  2. Navigate to ‘Funds Transfer,’ click on ‘Cardless Cash Withdrawal,’ and select the ‘Debit Account and beneficiary details.’
  3. After confirming the beneficiary details, specify the amount to be transferred and validate the transaction by inputting the OTP received on your registered mobile number.
Unlock Cash Without Your Debit Card! Discover the Secret to Cardless ATM Magic!
Unlock Cash Without Your Debit Card! Discover the Secret to Cardless ATM Magic!

Important Notes:

  • A successfully requested cardless cash withdrawal remains valid for 24 hours from the time of creation. After 24 hours, the request will be automatically reversed.

Cash Withdrawal from an HDFC Bank ATM by the Beneficiary:

  1. Upon authentication, the beneficiary will receive a 4-digit OTP and a 9-digit order ID via SMS.
  2. To withdraw the cash, the beneficiary must visit any HDFC Bank ATM.
  3. Select the ‘Cardless Cash’ option on the ATM screen.
  4. Enter the OTP, mobile number, order ID, and transaction amount.
  5. After validating these details, the ATM will dispense the requested cash.

Please Note: HDFC Bank imposes certain limits to enhance security and prevent misuse. The minimum transaction amount is set at Rs. 100, with a maximum daily limit of Rs. 10,000 or Rs. 25,000 per month for each beneficiary.

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