Guides & How To's

Left your debit card at home? Here’s how you can get cash

There are some options available to get cash if you leave your Debit Card at home!

Suits Me App with three cards, explaining how to withdraw cash without card

We discuss how to get cash without your debit card. Our mobile phones have taken over so many aspects of our lives that they now not only just act as communication devices, but have become our personal organisers. However, many of us still wouldn’t leave the house without our wallet or purse.

Apps like Google Pay and store loyalty apps allow us to pay with our phones. Despite this, many still prefer using cash, making it handy to have your debit card for ATM withdrawals. 

What if you accidentally leave your debit card at home and urgently need cash?

Cashback from shops

Some shops offer cashback, allowing you to pay for items using a digital debit card with your phone. You can request to add £10 or £20 onto the total and receive that amount in cash.

However, not many shops offer this service and there is usually a pretty low limit on how much cash you can get this way.

Withdrawing cash from ATMs without a bank card

For larger sums of money or just for convenience, you can now withdraw cash from ATMs in the UK without your debit card. You will first of all need to have the mobile banking app of your bank downloaded onto your phone.

Not all banks in the UK offer this service, but many of the big ones do such as RBS, (who also owns NatWest and Ulster Bank), Barclays, HSBC and Santander.

The process may vary depending on your provider, but cardless cash withdrawals usually involve you signing onto the app to access your account. Select the option on the app and, depending on the bank, you may have to go through additional security.

You then have to select the cardless withdrawal option on the ATM you are using. You will be asked to key in a temporary passcode. This passcode is generated through your mobile banking app after you have got through the relevant security procedures. Key in the code and select the amount of cash you wish to withdraw.

In many cases, the passcode will last for a few hours and you can use it for multiple transactions. However, just like using your normal debit card at an ATM, there will be a daily amount on the amount of cash you can withdraw on any one day.

Lost or stolen cards

Using this cardless withdrawal method is not only effective when you have left your debit card at home, but it can also help you get access to some cash if your debit or credit card has been lost or stolen. 

However, if this is the case, you must also report the loss of your card immediately to your bank. They’ll freeze the card, but it won’t prevent you from withdrawing cash cardlessly at an ATM.

Peer to Peer Payments

Many accounts allow peer to peer payment services. This is sending money to someone else who can then withdraw cash from an ATM on your behalf. You can then collect the cash having transferred an electronic payment to your ‘friend’. Any payments made from your account to another needs to be to a trusted individual.

Suits Me Accounts

Suits Me offer a choice of 3 account types, all include free peer to peer payments for payments transferred from one Suits Me account to another. Accounts can be opened in minutes with no credit checks and all accounts come with a free contactless Mastercard debit card.

Suits Me have helped thousands of people living in the UK who need an instant account and struggle to open a high street bank account.

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A free contactless Mastercard® debit card and access to an online account and mobile app.