HDFC Bank’s ‘Cardless Cash’ process: How to withdraw money without ATM card

If you are an HDFC Bank customer in need of cash but have forgotten your debit card at home, then worry not as the Mumbai-headquartered bank has laid out its “Cardless Cash Withdrawal” process. As the name suggests, one can obtain cash from an HDFC Bank ATM even when they are not carrying their debit or ATM cards.

“Forgot your ATM card? Don’t worry HDFC Bank Cardless Cash is #DigitallyYours with 24X7 services to withdraw cash at all HDFC Bank ATMs. Enjoy instant and secure mode of cash withdrawals without ATM/Debit Card,” HDFC Bank’s official Twitter handle shared on Thursday.

There are three steps one has to follow to withdraw cash without an ATM card: adding a beneficiary, sending money to the beneficiary, and cash withdrawal by the beneficiary. Here’s how the process works:

(1.) Adding a beneficiary: First-time beneficiaries need to be registered. This can be done through Netbanking and is required just once per beneficiary. Once registered, login to Netbanking and select “Funds Transfer” tab. Next, go to “Request,” then “Add beneficiary,” and “Cardless Cash withdrawal.” Enter the beneficiary details, then select “Add and Confirm.” Finally, confirm the mobile number and enter the one-time password (OTP) sent for validation.

After the beneficiary has been added, their details will reflect after 30 minutes in your account.

(2.) Sending money to beneficiary: Once again, login to Netbanking, select “Funds Transfer” tab and go to “Cardless Cash Withdrawal.” Select the debit bank account and the beneficiary to whom the money is being transferred. Check the beneficiary details and enter the amount. Then, confirm the mobile number and enter the OTP sent to validate the transaction.

The beneficiary will receive the following details: OTP, nine-digit order ID and the amount.

(3.) Withdrawal by beneficiary: At an HDFC Bank ATM, the beneficiary will select “Cardless Cash” option, displayed on an IDLE loop screen and select the language. Next, the following details should be entered sequentially: OTP, beneficiary mobile number, order ID and amount. Once these details are validated, the machine will disburse the amount.

You can click here for more details.

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