To obtain cash, the classic method is to withdraw money with your bank card from the ATM. But it is entirely possible to do it without a card. Here’s how to do it.
You don’t have a bank card and need to pay in cash? Have you lost your payment card and are short of cash? Don’t panic, there are solutions to withdraw money without a bank card.
Withdrawal at your bank counter
First possibility, go to your bank branch. Indeed, it is still possible to withdraw cash directly from the counter, and in particular with the largest banks. Several methods are possible here. For example, your bank may ask you to complete a withdrawal slip with the bank account references to be debited. An identity document is also requested. You can also withdraw money from a cash mandate, a check issued by a third party, or even a traveler’s check.
For cash withdrawal at the counter to be possible, your bank branch must nevertheless be equipped with a cashier service. And sometimes, the amount withdrawn may be capped at a certain amount, according to your account agreement. Your bank may also impose a notice period before delivering the money to you over the counter, generally one or two days.
Be careful however, fewer and fewer agencies allow withdrawal at the counter, do not hesitate to find out before you travel.
Is it possible to withdraw cash from an agency other than yours? Withdrawing cash over the counter is in principle only possible at your bank branch. However, certain agencies affiliated with the same network have the computer capability to find your customer details, and thus allow you to benefit from over-the-counter withdrawals. However, it is possible that she will ask you for additional information.
Withdrawal via a mobile application
New possibility for withdrawing cash without a bank card: your phone! Or more specifically your mobile banking application. From this application, it is possible to trigger a cash withdrawal and collect it either at the counter or from an ATM. This possibility exists in particular with the Popular Bank, via the SMART’Retrait service. To use it, you must first activate the service with your advisor, then go to the Payment Methods menu. You will then need to select the account to be debited, the desired amount and the withdrawal date. A number will be communicated to you, return it when collecting it from the distributor.
Withdrawal via a mobile application is also available in the group’s banks Credit Mutuel. To benefit from remote withdrawal, contact your advisor so that he can activate e-withdrawal and send you a code by SMS which will allow you to withdraw the money from the ATM. Once this first operation has been completed, the service is available directly from the customer area or the mobile application. The bank also opens this possibility to children of the account holder, or even a relative. Please note, however, that the majority of agencies allow cash withdrawal from a mobile application only from their distributor, inquire directly with your bank branch.
What about online banking? Withdrawal without a bank card generally requires a physical bank branch or the provision of an ATM, which is uncommon in online banks. The main ones do not currently offer this service.
How much does it cost to withdraw from an ATM of another bank?