There are five different types of cardless ATMs, so it depends on which one you’re using. To use this feature, you may need to visit a physical branch first. Some cardless ATMs scan your fingerprints or eyes to verify your identity and give you access to your account. The bank then verifies your identity and allows you to log in. Use your mobile app to scan this QR code. If your cardless ATM uses QR codes, the terminal displays a QR code on the ATM screen. Then, the ATM authenticates your transaction. From there, select a card from your wallet and enter your PIN. With this type of cardless ATM, tap your phone against the ATM’s contactless symbol, and your phone’s digital wallet pulls up. The ATM then verifies your identity and authenticates your transaction. If your bank’s ATM uses this technology, request a withdrawal from your mobile app and enter the code once you reach the ATM. 4 ways to connect to a cardless ATMĭepending on your bank’s ATM, connecting to it will work in one of these four ways: No matter the method, each offers a simple and fast way to withdraw cash without needing a debit card.

How you access your funds depends on each ATM, but they work through near-field communication, scanning a QR code, an app-generated code or biometric authentication. To access your money, you’ll need the bank’s app on your mobile device. But you can only withdraw money without a card from ATMs owned by your bank with a cardless cash or contactless feature. A cardless ATM accepts your mobile device in place of your debit card when managing your account withdrawals.

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