The country’s largest lender SBI (State Bank of India) has introduced a new facility of cardless cash withdrawal from SBI ATMs. The facility named “YONO Cash” which allows you to withdraw cash from SBI ATM without a debit card.
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Cardless Cash Withdrawal SBI
SBI is offering this cardless cash withdrawal service through its internet banking app called YONO. This facility allows cardless cash withdrawal not only through SBI YONO App but also from SBI YONO website.
You need to set a 6-digit YONO PIN for withdrawing cash. Now you have to generate a one-time pin (OTP) on SBI YONO, which will then have to be used to transact from SBI ATM (YONO ATM).
Currently, you can avail YONO cash service at over 16,000 SBI ATMs across the country. The SBI ATMs enabled for this service will be called YONO Cash Point (YONO Cash ATM). In this post, I will discuss the process to withdraw cash from SBI ATM without a Debit Card.
YONO Cash – Features
1. Cardless cash withdrawal SBI through YONO App and YONO website.
2. The cardless withdrawal SBI Bank facility is available across 16500 SBI ATMs.
3. This service is only available in cardless cash transaction enabled SBI ATMs.
4. The cardless cash transaction enabled SBI ATMs will be called YONO Cash Point (YONO Cash ATM).
5. Cardless cash withdrawal SBI facility will eliminate the possible risk associated with the debit card while using at the ATMs for cash withdrawals.
6. This service will prevent various frauds arising due to loss or theft of a debit card.
7. YONO Cash transactions are safe and secured with a 2-step authentication process.
8. You can withdraw a maximum of Rs 20,000 in a single transaction through this service.
9. Using SBI YONO App, only two withdrawals in a day is allowed.
10. This cardless cash withdrawal SBI facility will not work in any other banks ATMs.
How to withdraw cash from SBI ATM without a Debit Card through YONO Lite SBI?
To avail cardless withdrawal SBI facility using YONO Lite SBI App, you need to have active SBI internet banking on your SBI account. If you haven’t activated SBI internet banking then don’t worry. It is very simple to activate SBI Internet Banking.
You can activate SBI net banking service online without visiting your SBI bank branch. Read the post on how to activate online SBI internet banking here.
Cardless withdrawal SBI Bank
Below are the basic steps which can help you in cardless withdrawal SBI Bank through YONO Lite SBI App.
1. Download and install YONO Lite SBI app on your mobile phone from Google Play Store) or Apple App Store.
2. When you want to withdraw cash from an ATM, then you need to login on YONO Lite SBI app using your SBI Net banking user ID and password or Easy PIN.
3. Once logged in, click on the “YONO Cash” option.
4. Next, read the details and tap on the “REQUEST YONO Cash” tab.
5. You can see the balance amount in your account. Enter the amount you want to withdraw. Tap on the “SUBMIT” tab.
6. Next, enter a six-digit YONO Cash pin for the cash withdrawal transaction. Click on the “SUBMIT” tab.
7. Now, review your details and check the box to accept Terms and conditions. Click on the “CONFIRM” tab.
8. Once your cash withdrawal request is placed, you will see a “Thank You” message on your mobile with few instructions.
9. You will also receive a six-digit YONO Cash transaction number on your registered mobile through an SMS. The YONO Cash transaction number will be valid for 4 hours only.
10. Go to the nearest YONO Cash Points (YONO Cash ATM) for withdrawal of cash. Use FDK/Touch screen against YONO-cash logo.
11. Enter YONO Cash transaction number and click on confirm.
12. Enter amount as mentioned in the YONO Lite and click on confirm.
13. Next, enter YONO ATM cash PIN as mentioned in the YONO Lite and click on confirm.
14. Once this process is done successfully, the ATM machine will dispense the cash.
15. You will also receive SMS alert of cash withdrawal on your registered mobile number.
How to withdraw cash from SBI ATM without a Debit Card through YONO SBI App?
To avail cardless withdrawal SBI facility using YONO SBI App, you need to have active SBI internet banking on your SBI account.
Cardless withdrawal SBI using YONO SBI App
Below are the basic steps which can help you in cardless withdrawal SBI through YONO SBI App.
1. Download and install YONO SBI app on your mobile phone from Google Play Store or Apple App Store.
2. When you want to withdraw cash from an ATM, then you need to login on YONO SBI app using your SBI Net banking user ID and password or MPIN.
3. Once logged in, click on the “YONO Cash” option.
4. Next page, tap on the “ATM” option tab.
5. You can see the balance amount in your savings account. Just below this, enter the amount you want to withdraw from the ATM. Tap on the “Next” tab.
6. Next page, enter a six-digit YONO Cash pin for the cash withdrawal transaction. Click on the “Next” tab.
7. Now, review your details and check the box to accept Terms and conditions. Click on the “CONFIRM” tab.
8. Once your cash withdrawal request is placed, you will see a “Thank You” message on your mobile with few instructions as in the below image.
9. You will also receive a six-digit YONO Cash transaction number on your registered mobile through an SMS. The YONO Cash transaction number will be valid for 4 hours only.
10. Go to the nearest YONO Cash Points (YONO Cash ATM) for withdrawal of cash. Use FDK/Touch screen against YONO-cash logo.
11. Enter YONO Cash transaction number and click on confirm.
12. Enter amount as mentioned in the YONO Lite and click on confirm.
13. Next, enter YONO ATM cash PIN as mentioned in the YONO Lite and click on confirm.
14. Once this process is done successfully, the ATM machine will dispense the cash.
15. You will also receive SMS alert of cash withdrawal on your registered mobile number.
How to withdraw cash from SBI ATM without a Debit Card through SBI YONO website?
You need to have active SBI internet banking on your SBI account to avail card less cash withdrawal facility through SBI YONO website. If you have not activated SBI internet banking on your SBI account then don’t worry.
There is no need to visit the SBI bank branch to activate SBI internet banking. I have written a post on how to activate online SBI internet banking. Click here to read.
Cardless withdrawal SBI Bank using SBI Yono website
Below are the basic steps which can help you in cardless withdrawal SBI Bank using SBI YONO website.
1. Visit the SBI YONO website www.sbiyono.sbi.
2. Login by entering your SBI Net banking user ID and password.
3. Here, you can see the SBI YONO dashboard on your screen.
4. Scroll down the website to the bottom to find “YONO Cash” under the My Rewards section.
5. Click on this tab to proceed further.
6. Next, click on the “ATM” option.
7. Here, you can see the balance amount in your SBI savings account. Enter the amount you want to withdraw and click on the “Next” tab.
8. Next, enter a 6-digit YONO Cash pin for the transaction to initiate the cash withdrawal process and click on the “Next” tab.
9. Review your details and check the box to accept terms and conditions. Click on “Confirm” tab to proceed further.
10. Once you click on confirm tab, the next screen will show you a “Thank You” message with few instructions as in the below image.
11. You will also receive a 6-digit YONO Cash transaction number on your registered mobile. Note that YONO Cash transaction number will be valid for 4 hours.
12. Go to the nearest YONO Cash Points (YONO Cash ATM) for withdrawal of cash. Use FDK/Touch screen against YONO-cash logo.
13. Enter YONO Cash transaction number and click on confirm.
14. Enter amount as mentioned on the YONO website and click on confirm.
15. Next, enter YONO ATM cash PIN as mentioned in the YONO website and click on confirm.
16. Once the process is complete, ATM will dispense the cash.
17. You will also get a confirmation of the cash withdrawal on your registered mobile number.
Final Thoughts on Cardless Cash withdrawal SBI
Using the above process, you can withdraw cash from YONO Cash Points (Card less transaction enabled SBI ATMs) without your debit card. Please note that YONO Cash transactions are safe and secured with a 2-step authentication process.
Note: This post was originally published on April 28, 2019 and has been completely updated for accuracy and comprehensiveness.
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