SBI Bank

Withdraw Money using YONO App without ATM Card



Did you know that you can withdraw money without using any physical card? Yes. The State bank of India has come up with something that blew our minds. 

Withdraw Money using YONO App without ATM Card

The State bank of India being at the top in the innovation game launched its YONO cash feature on the 16th of March, 2019. YONO cash is a unique feature available in the YONO app. So if you are an SBI customer is great news for you as you can now withdraw cash without even having a physical card. This is one of the best innovations as it would be so helpful in case of emergencies. If you are out and if you do not have your card along with you, if you get caught up in a situation where you need money then and there you need not worry. Because now you can withdraw cash using the YONO app and the feature YONO cash. 


This feature of the YONO app allows the SBI account holder to withdraw money instantly from any of the State banks of India’s ATMs and also most of the State Bank of India’s POS that are point of sales terminals or even Customer Service Points CSPs as well but the territory limit is within the nation that are you will be able to withdraw cash without a physical card only in India. Now let us dive deep into how you can withdraw money from your SBI account without using a debit card or any physical card.

Withdraw Money using YONO App without an ATM Card

Here’s how you can withdraw money from any SBI nearby ATM without even having a physical card

Step 1: Go to your Play Store or AppStore depending on the handset you use. Download the YONO app launched by the State bank of India SBI.

Step 2: Click on the login button on your YONO app. You will see an option to enter your MPIN. Enter your MPIN there. 

Withdraw Money using YONO App without ATM Card Step 2

Step 3: Once you enter your MPIN a window will open See with many options. Then you have to select the YONO cash option which is situated exactly at the top right corner of the YONO app.


Withdraw Money using YONO App without ATM Card Step 3

Step 4: Now once you click on the YONO cash option a window will be opened wherein you will see three options 

  1. ATM
  2. Merchant Point of Sales POS
  3. Customer Service Points CSP 

Click on the first option available which is the ‘ATM’ option.

Withdraw Money using YONO App without ATM Card Step 4

Step 5: Now you will be able to see your account number and your account balance.

There will be an amount section below the details. Enter the amount you need or wish to withdraw from the ATM. Once you enter the amount click on the Next button.

Withdraw Money using YONO App without ATM Card Step 5

Step 6: Now you will have to generate a YONO Cash PIN code. This will be a six-digit PIN code. You have to remember this pin as you will, later on, have to enter this pin in the ATM as well. 

Once you have successfully entered your pin click on Next.

Withdraw Money using YONO App without ATM Card Step 6

Step 7: Now you will be shown the details that will include your bank account number, the amount you want to withdraw, and your YONO cash pin.

Click on ‘I agree to the terms and conditions’. Then click on Confirm option. 

Withdraw Money using YONO App without ATM Card Step 7

Step 8: Now you will see a ‘Thank You’ message along with the information that you will receive a transaction ID on your registered mobile number. This transaction ID will be valid for the next four hours only. 

Withdraw Money using YONO App without ATM Card Step 8

You can now initiate your careless transaction process. 


Go to any nearby ATM but this can be done only in the SBI ATM. You can see the nearby ATM on your YONO app as well. 

Step 9: In the SBI ATM, you will see a YONO cash option on the ATM, click on that option. 

Withdraw Money using YONO App without ATM Card Step 9

Step 10: Enter the number that you have received in your SMS which will be the transaction number. Once you enter the number click on confirm.

Withdraw Money using YONO App without ATM Card Step 10

Step 11: Now you will have to enter the amount that you want to withdraw. Enter the same amount that you had mentioned previously on the YONO app. Partial withdrawals are not allowed. Then click on the Yes button.

Withdraw Money using YONO App without ATM Card Step 11

Step 12: Now you will have to enter your YONO cash six-digit PIN code. This is the pin that you generated on the YONO app. Then click on confirm. Once you click you will see that your transaction is being processed. 

Withdraw Money using YONO App without ATM Card Step 12

Step 13: Voila! You can now finally collect your cash and your transaction has been finally completed. 

Withdraw Money using YONO App without ATM Card Step 13

SBI Cardless Cash Withdrawal using YONO Website

You can also use the YONO website to withdraw your cash without using an actual ATM card. Here are the steps to use the YONO website –

  1. Go to the SBI YONO website. Click on login.
  2. Enter your net banking user ID and passcode.
  3. Now you will be able to see the YONO dashboard.
  4. Now you will see five options YONO pay, YONO cash, bill pay, products, shop book, and order. Click on YONO cash.
  5. Enter the amount you want to withdraw.
  6. Enter a six-digit PIN code for the transaction.
  7. You will then receive a six-digit reference number on your registered mobile number. 
  8. Go to the nearest ATM and you will have to enter this reference number to successfully withdraw your cash.

SBI Cardless Cash Withdrawal Terms & Conditions

This is how you can withdraw your cash without using a physical ATM card via the YONO a cash feature available on the YONO app launched by the State Bank of India SBI. Before you withdraw your cash or enter the cash amount you have to remember that there are certain rules for the number of withdrawals. You will have to enter the entire amount because partial transactions are not allowed. You can not withdraw the money partially in multiple transactions using the same reference number that is generated. The amount should always be in the multiples of five that is can be 500, 1000, 1500, 2000, 2500, 3000, and so on. 

The minimum withdrawal amount limit is set to Rs 500 and the maximum amount limit is set to Rs 10,000 per transaction and Rs 20,000 per day when you withdraw money using an ATM kiosk. If you go to a branch to withdraw money then the limit increases to Rs 40,000 per day. This YONO cash feature is one of the best things put out by the State bank of India which also shows that we are getting better day by day in terms of technology. It is super convenient as well. So you do not have to worry if you forget your wallet at home. Because even if you do you will still be able to withdraw money from your SBI account using the YONO cash feature on your YONO app launched by the State bank of India SBI. 

You have to make sure that for this you have an active account in the State bank of India. The cash can be withdrawn from the nearby SBI ATMs, POS point of sales, and CSP customer service products as well as using your phone. Also, the mobile number should be linked to your SBI bank account. The YONO cash transactions are free of cost. This turns out to be a win-win situation as you will not be charged any sort of processing fee. This is also a hundred percent environment-free method to withdraw cash. Which leads to the total elimination of plastic cards. 

Also, you do not have to worry if it is safe or not because it is safe to use the YONO app and withdraw cash through the YONO app. This also eliminates the risk of shoulder surfing, card trapping, card skimming, or even lost card PIN code as the pin is automatically generated for every transaction you make. Many people do not have an ATM card and they have to visit the branch to withdraw cash. This is super helpful to them. It also has a two-factor authentication which makes this process super secure. The State bank of India has created a great digital space that is more secure than the original process, more flexible, and environmentally friendly. 

FAQ

Is there any limit on the amount I can withdraw via the YONO app?

Yes, there is a minimum withdrawal limit of Rs 500 and a maximum withdrawal limit of Rs 10,000 to withdraw cash by using the YONO app.

For how long is the reference number valid?

The generated reference number is valid for 30 minutes.

Can I withdraw cash via YONO app at any ATM?

No. You can only withdraw cash without an ATM card only at the SBI ATM.

Can I re-register on the YONO app?

Yes, it is possible to re-register on the YONO app.

Can I use any mobile number for the YONO app?

No, you can only use the mobile number that is linked to your SBI account for withdrawing money using the YONO app.