Knowing how to use an ATM card will help you access cash whenever needed. All you have to do is visit the nearest ATM (automated teller machine) and have your ATM PIN handy. Once at the ATM, simply insert your card into the card reader, keeping the side with the magnetic chip down. Recognising this card slot is easy since most ATMs have an arrow marking it. Next, look at the ATM screen carefully and use it as a guide to complete the transaction.

First, select a language of your preference from the ones displayed on the screen. Then, enter your 4-digit ATM PIN using the keypad. Choose the desired transaction type from the listed options. If you wish to withdraw money, tap the 'Withdrawal' option and pick your account type (savings/current). Use the keypad to enter the amount you want to withdraw and press 'Enter'. Collect the money and withdrawal receipt for the transaction and end the session to prevent fraudulent transactions from the account

If you do not have access to your ATM card and want to withdraw cash, here is how to withdraw money from an ATM with your card. In this case, you can use the cardless cash feature for withdrawal. Cardless cash enables you to get cash using your mobile number at an ATM. You can send and receive funds anytime as the service is available 24x7. It is also completely safe as the transaction is protected with multiple security checks like OTP verification and a secret order ID (valid for 24 hours). Here is your guide on how to withdraw money from ATM without an ATM card:

• Step 1 - Log in to the net banking account.

• Step 2 - Go to ‘Funds Transfer’ and click on ‘Request’.

• Step 3 - Select ‘Add a beneficiary’.

• Step 4 - Click on ‘Cardless Cash Withdrawal’.

• Step 5 - Enter the beneficiary details for cardless cash withdrawal - beneficiary name, beneficiary mobile number and PAN card/ Voter ID/ Aadhaar number.

• Step 6 - Click on ‘Add’ to confirm the information.

• Step 7 - Once the beneficiary details have been added (usually takes about 30 minutes), log in to the net banking account.

• Step 8 - Go to ‘Funds Transfer’ and click on ‘Cardless Cash Withdrawal’.

• Step 9 - Select the beneficiary from the list.

• Step 10 - Click on ‘Continue’.

• Step 11 - The beneficiary will receive an OTP on the registered mobile number and an order ID, along with a transaction amount.

• Step 12 - Now, visit the bank ATM.

• Step 13 - Select the ‘Cardless Cash’ option.

• Step 14 - Select your preferred language.

• Step 15 - Enter the OTP you had earlier received on your mobile number, which was registered as the beneficiary's phone number.

• Step 16 - Now enter the 10-digit beneficiary mobile number.

• Step 17 - Type in the order ID generated earlier.

• Step 18 - Enter the transaction amount.

• Step 19 - Click on ‘Continue’.

Do note that how much money can be withdrawn from an ATM in a day depends on your card type and issuing bank. It usually ranges between ₹20,000 and ₹1,00,000. You can also manually control how much money you can withdraw from an ATM per day by raising a service request for setting card limits using your credit card net banking account or mobile app.

In the case of credit cards, the amount that can be withdrawn from an ATM in a day depends on the cash limit. You can find the details of the credit and cash limit on your credit card net banking account.

While cash withdrawal at an ATM is simple, there are a few things you must keep in mind:

• Ensure that you are alone when withdrawing money from an ATM using your card.

• Do not disclose your debit card/credit card PIN to anyone.

• The amount to be withdrawn must not exceed the available limit on the card.

• Money withdrawn from an ATM using a credit card is subject to cash advance fees and interest charges from the date of withdrawal.

• Remember to take your ATM card before you leave the ATM.

• Register your mobile number for cash withdrawal alerts.