Cashless payments have already penetrated quite deeply into all spheres of human activity. However, the world economy and the people themselves are not yet ready to give up real money. Therefore, ordinary citizens and entrepreneurs from time to time require cash.

Why do I need bank cards

The easiest way to get money on hand is known to everyone who has seen a plastic card at least once in their life. This piece of plastic is a kind of key to an ATM with cash stored in the cardholder’s account.

However, plastic cards (salary, credit or debit) can be: lost, demagnetized, broken, scratched, washed, forgotten at home or at a party. In addition, this small piece of plastic can easily be stolen at the very moment when the cardholder needs cash

What to do in such cases? The main thing is not to worry. When a card is stolen, it is necessary to block the card as soon as possible, and in other cases, use one of the four methods of receiving cash without this means of quick money exchange between the bank and the client.

Reliable way

“Live” money can always be obtained at any branch of a credit institution, the client of which is a bank card holder. The card itself in this case is not needed, since cash will be issued according to the passport. However, some banks, depending on their own rules, may:

  • take a special commission from the client;
  • complicate the procedure by requiring additional documents or by entering a limit on the issuance of funds.

Smart customer option

This method is somewhat more complicated, since it will require the cardholder to be smart and find an ATM, the menu of which has the option of receiving money from the account in the absence of plastic media. In this case, proceed as follows:

  • select the option to withdraw cash directly from the account in the menu;
  • enter a phone number or a scanned QR code;
  • select a card;
  • specify the PIN code;
  • Confirm the operation using SMS;
  • get the money.
Attention!!! Not all banks provide similar services, and withdrawing cash in this way is possible only if there is a telephone attached to this card.

A way for advanced internet users

It is possible to withdraw money from an account without a card using Internet banking, since almost all credit organizations provide this service to their customers. This option allows you to get bills by withdrawing cashless funds:

  • to any other card with further cash withdrawal at the nearest ATM;
  • to an electronic wallet with the subsequent receipt of banknotes using a money transfer;
  • to another account if the cardholder is outside the service area of ​​the issuing bank.
The same option is suitable for quick payment: utilities, online shopping, traffic fines and other payments. However, for all these financial transactions, as a rule, a special commission is established.

Innovative option

Owners of smartphones with NFS have already begun to forget how cash and bank cards look. After all, they are pleased to use the innovations from PayPass and PayWay to contactlessly pay for their purchases. To turn your mobile gadget into a regular means of payment, the phone owner only needs to download his bank card details and find a store with a special terminal.

Conclusion

Modern technologies are developing quite rapidly. Therefore, it is possible that in the near future, bank cards, which until recently seemed exotic, will simply not be needed, as scientists will teach ATMs to recognize credit institution customers by their appearance.However, while plastic is in trend, advice on how to withdraw cash without a card has not lost its relevance.