Royal Bank of Scotland cardless withdrawal: how to Get money without ATM card

Last Updated on July 1, 2024 by admin

The Royal Bank of Scotland is one of the leading financial institutions in the United Kingdom, with a long history dating back to the early 18th century.

In recent years, the bank has been at the forefront of technological innovation in the banking industry, offering a wide range of digital banking services to its customers. One such service that has garnered a lot of attention is the cardless withdrawal feature, which allows customers to withdraw cash from an ATM without the need for a physical debit or credit card.

The cardless withdrawal feature is available through the Royal Bank of Scotland’s mobile banking app, which customers can download onto their smartphones or tablets. This app allows customers to securely access their accounts, check their balances, make transfers, and now, make cardless withdrawals.

In this article, we will explore the benefits of cardless withdrawals, provide a step-by-step guide on how to set up and use this service,

Here are the key benefits of cardless withdrawals offered by the Royal Bank of Scotland and its related banks (NatWest, Ulster Bank NI):

  1. Emergency Access: The primary benefit is having a way to get cash even if you forgot, lost, or had your debit card stolen. This feature offers peace of mind in unexpected situations.

  2. Convenience: The “Get Cash” feature in their mobile apps makes generating the cash code and finding a compatible ATM fairly quick and easy.

  3. Enhanced Security: Not needing your physical card reduces the risk associated with losing your wallet altogether. The time-sensitive and single-use cash codes provide an additional security layer.

  4. Helping Others: If you have the app, you can generate an emergency cash code and send it to a family member or trusted friend, allowing them to help you withdraw cash when you can’t access your card.

  5. Reduced Card Reliance: Promotes a more digital banking experience, aligning with evolving banking trends.

Read: How to register for Royal Bank of Scotland Mobile app and Digital banking

Get Cash using the Royal Bank app

While banks in various countries might offer a “Get Cash” feature in their apps, the Royal Bank of Scotland (RBS) and its associated banks (NatWest, Ulster Bank NI) do so with a twist:

In order to Get Cash you will need to generate a code through your app to use at an ATM then follow the steps below to get started:

How the RBS “Get Cash” Feature Works

  1. Locate the Feature: Within your Royal Bank of Scotland, NatWest, or Ulster Bank NI mobile app, find the “Get Cash” feature  at the bottom of the app home screen

  2. Generate a Cash Code:

    • Select the amount of cash you wish to withdraw (usually in increments of £10, up to a daily limit of £130).
    • The app will provide a unique 6-digit cash code valid for 3 hours.
  3. Find a Compatible ATM:

    • You need an RBS, NatWest, Ulster Bank NI, or Tesco ATM. Not all ATMs support this feature.
    • Use the “near me” function in your banking app or visit the Tesco ATM website for locations.
  4. Withdraw at the ATM:

    • At the ATM, press the “Enter” key
    • Follow the on-screen prompts specifically for withdrawing cash using a mobile code.
    • Enter the 6-digit code generated within the app.
    • The ATM will dispense your cash.

Key Points

  • No Card Needed: This method is for emergencies if you don’t have your physical card handy.
  • Limits: Withdrawal amounts are usually limited, with a £130 daily cap.
  • Security: The code is time-sensitive and single-use, making it a relatively safe way to get cash.
  • Text Option: You may be able to text the code to a friend or family member who can then withdraw the cash for you.

You can also read: Bank of America online banking and Mobile app

2. Emergency Cash service at Royal Bank of Scotland

The Royal Bank of Scotland (RBS), and its associated banks (NatWest, Ulster Bank NI), offer an Emergency Cash service that enables you to withdraw cash from an ATM even if you’ve lost or had your debit card stolen. Here’s how it works:

You can also read: How to enroll for Wells Fargo Online banking and Mobile App

How to Access Emergency Cash

  1. Contact Card Services: Call your bank’s dedicated card services line immediately to report your card as lost or stolen. You’ll find this number on your bank’s website, on the back of your existing debit card, or within your mobile banking app at Card loss centre: 0370 600 0459
    (overseas +44 1268 500 813)
    Relay UK: 18001 0370 600 0459

  2. To use the Emergency Cash service:
    • You need to be within the UK
    • You must have at least £20 available in your account
    • Withdraw the cash from a Royal Bank of Scotland, NatWest or Tesco cash machine
    • You could access up to £300 if you’re a telephone banking or Digital Banking customer and if you aren’t we’ll still let you withdraw up to £60 to tide you over. Remember you’ll need to have the money available in your account before you can withdraw it.
  3. Request Emergency Cash: Let the representative know you need to utilize the Emergency Cash service. They’ll verify your identity and discuss the amount you can withdraw. Limits may apply.

  4. Receive a Code: The bank will provide a secure, time-sensitive code.

  5. Find a Compatible ATM: Locate an ATM operated by RBS, NatWest, Ulster Bank NI, or Tesco. Use your banking app’s ATM finder or the Tesco ATM website: [invalid URL removed]

  6. Withdraw Cash:

    • At the ATM, press the “Enter” key (don’t insert a card).
    • Follow the on-screen prompts specifically for mobile code cash withdrawal.
    • Enter the secure code provided by your bank.
    • Your cash will be dispensed.

Conclusion

As technology continues to revolutionize the way we conduct financial transactions, the Royal Bank of Scotland’s Cardless Withdrawal Service stands out as a user-friendly and secure option for accessing cash conveniently.

The cardless withdrawal feature is particularly useful for customers who may have forgotten their card at home or misplaced it. In these situations, customers can still access their funds quickly and easily by using their mobile banking app. This has been a lifesaver for many customers who have found themselves in need of cash but without their card hand

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Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies For Advertisement, Content marketing andsponsored post: contact : kokobest04@gmail.com
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