How, withdraw, cash, without, ATM, Card?

Now, there is a faster way to withdraw cash from an ATM without a debit card. Let me resolve the paradox for you. Lets say you want to send someone cash immediately who is in a different city and he does not have a bank account. The easiest way is use ICICI’s smsNCash service.

Here is how it works :

1. The holder (existing account holder of ICICI) of an account enters the icici bank portal and puts in a request for this transaction with the beneficiary mobile number and the amount.

2. Account holder will receive a 4 digit code via SMS.

3. The beneficiary will receive a 6 digit code via SMS.

4. The beneficiary has to join the 4 digit code and 6 digit code and enter it in any ATM to withdraw that cash.

So simple. Checkout the ICICI bank workflow for this.

A few caveats :

1. Facility only available for registered mobile banking customers.
2. Maximum amount per transaction is Rs.10000.
3. Maximum amount per day is Rs. 25000.
4. Maximum amount per beneficiary is Rs. 10000, per day.
5. A charge of Rs.10 + tax for withdrawals upto Rs.5000
6. A charge of Rs.20 +tax for withdrawals above Rs.5000.

This facility is only available at select ATM Centers. Link for the selected centers.