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Thursday, 25 April 2013

Technology Update: How to get Cash out of an ATM Without Using a Card


Today, getting hold of cash is all about the ATM.  I really can’t remember the last time I actually went inside a bank and withdrew cash over the counter by writing a cheque for cash. Most young people these days will probably never have had a cheque book at all.  I had to laugh when, researching for this posting, I found this plaintive enquiry on an online message board called 'Straight Dope':
OK, maybe I'm an idiot, but I've honestly never had to deal with this before. I lost my ATM card, and am still waiting for the replacement. In the meantime, my cash supplies are dwindling at a rather alarming rate. I imagine there's some way to go to the bank and get money directly, but I'm a little fuzzy on the details. Any old fogeys have the inside scoop?

You have to feel sorry for the poor sap, but it is also great when us ‘old fogeys’ know how to do something that the whizz-kids don’t!

So, assuming you don't have a chequebook to fall back on, or that it is outside of banking hours, is there a way to withdraw cash via an ATM without using a plastic card? Once upon a time I would have answered with a categorical ‘No’, but times change and technology has moved on. Life moves at a fast pace and we expect things to happen quickly. If you are unfortunate enough to have your debit card stolen, lose your card or simply forget to bring it with you, and you need cash fast, there are now at least a couple of ways round the problem. 

1. Emergency Cash

Some banks now offer a handy ‘Emergency Cash’ service.  To access this facility you have to phone up your bank and report your card lost or stolen.  You will then be given an emergency code number which you key into the ATM, enabling you to withdraw cash without using a card.  What a great idea!  It means you no longer have to wait till the replacement card arrives to get some cash.

2. Use Your Smartphone

You may not have lost or forgotten your card; maybe you just want an alternative to using plastic.  People love their phones, and rely on them for all sorts of purposes: most of us would not dream of going out without one. The rise and rise of mobile phone technology means that they are now far more than just communication devices. It is not just a phone – it’s a digital camera, a web browser, messaging device, media player, games centre, digital library and reading device, a GPS - and now, it's a replacement for your cash card too. 
Back in June 2012 RBS launched a new system to help their customers get cash whenever and wherever they might need it, without the use of a plastic card.  To use the service at some 8,000 RBS, NatWest or Tesco branded ATMs in the UK, customers first have to download the bank’s free app to their mobile phone.  So far nearly 3 million people in the UK have done just that!
ATM scanning a barcode from a phone

NCR have developed a similar service which is in the process of being rolled out worldwide. Instead of being sent a PIN, however, their customers will be sent a barcode they can scan at the ATM. NCR claims the entire process will take under ten seconds. Cash machines won't need to have barcode readers installed, just a software upgrade. The barcode does not contain information about the customer’s account; it just verifies the user's location, so it should be a safe alternative to using cards.

In areas such as India and Africa, with high mobile phone usage, the new system will probably be even more popular than in Europe and the US. It’s noticeable that although Smartphones can also provide cashless payments, these new services, high-tech as they are, still use good old cash. They may solve the problem of a lost or forgotten wallet, but still leave us with the dilemma of what to do in the event of our Smartphone malfunctioning or getting stolen or lost! What a nightmare!

Footnote

In October 2012 BBC  Radio 4's Money Box programme  reported that complaints of fraud had forced NatWest to suspend their 'Get Cash' service,  which works by downloading a security code via an mobile app.  NatWest have strenuously denied this, saying that the service was at one point temporarily unavailable, but that this was solely due to a technology upgrade.  I see from their website it appears to be up and running again, along with their 'Emergency Cash' service.   If there are any NatWest customers out there who can shed more light, please get in touch.

2 comments:

  1. Hello friend, i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact the Hackers email on romaniaw8@gmail.com and you life will never remain the same email romaniaw8@gmail.com

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  2. BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (mrgonzalex@yahoo.com). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again is ;mrgonzalex@yahoo.com

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