6 Ways To Get Cash Without an ATM Card

Taiwanese senior woman sitting at table, using calculator and writing results on paper.
miodrag ignjatovic / Getty Images

If you’re in a situation where you need to get cash and don’t have an ATM card — whether you lost it, left it at home or simply do not have one — what should you do? 

Explore: GOBankingRates’ Best Credit Cards of 2023
Learn More: Protect Your Financial Future With Gold and Silver
The Future of Finances: Gen Z & How They Relate to Money

The good news is there are several options available to securely withdraw cash which do not require an ATM card. Some options are financial stalwarts which can always be relied on when you need help. Others are relatively recent advances for getting cash, like using features in your smartphone. Follow these tips to get cash without an ATM card.

Visit Your Nearest Bank Branch

If you don’t have an ATM card but routinely use the ATM services at your nearest bank branch, you can still go inside this branch for cash purposes. 

Andrew Lokenauth, personal finance expert at Fluent in Finance, said one of the most straightforward ways to get cash without an ATM card is to visit a bank branch and withdraw money from your account. Keep in mind the teller will need to see a photo ID and you should be able to share your account information with the teller to make a secure withdrawal.

A Better Way to Bank

Write a Physical Check

Do you have a checkbook handy with checks for your account? Lokenauth recommends writing yourself a physical check. Then, take it to a bank branch or check cashing service to cash it.

Take Our Poll: Are You in Favor of More Inflation Relief in 2023?

Use a Virtual Debit Card

“Some banks offer virtual debit card options which can be used to withdraw cash at ATMs without the physical card,” said Lokenauth. 

Use a Prepaid Debit Card

If you don’t have a virtual debit card option, Lokenauth recommends looking into prepaid debit cards. These cards can be loaded with cash and used to withdraw money at ATMs or make purchases.

Look Into Digital Wallet Options

Do you use Apple Pay or Google Pay? Some digital wallet options, Lokenauth said, allow you to link your debit card to the app. If this is the case, you may be able to link the account and use the app to withdraw cash at participating banks or retailers.

Another digital wallet option worth exploring is PayPal. Lokenauth said this is a widely accepted digital wallet which allows you to access your money through ATMs or by transferring funds to your bank account.

A Better Way to Bank

Credit Card Cash Advance

“If you have a credit card, you can withdraw cash at an ATM or bank branch using the credit card,” said Lokenauth. However, Lokenauth recommends using this option with caution since cash advance transactions often come with high fees.

More From GOBankingRates

Share This Article:

facebook sharing button
twitter sharing button
linkedin sharing button
email sharing button
A Better Way to Bank

About the Author

Heather Taylor is a senior finance writer for GOBankingRates. She is also the head writer and brand mascot enthusiast for PopIcon, Advertising Week’s blog dedicated to brand mascots. She has been published on HelloGiggles, Business Insider, The Story Exchange, Brit + Co, Thrive Global, and more media outlets. 

Learn More


See Today's Best
Banking Offers