YONO Cash: SBI Customers Can Withdraw Money without ATM Card

In this article, we will guide you on how SBI customers can withdraw money without ATM Card by using the YONO Cash SBI app.

State Bank of India which is the biggest bank that is operating in India and also the one which is the biggest bank when it comes to lending money. They have one of the best banking infrastructures not only in India. But in the whole world. They are excellent in all aspects like internet banking, ATM Services, and UPI uptime, etc.

The only thing where State Bank of India which is also popularly known as SBI in short lacks is the staff co-operation. I am quite sure you might have observed this thing anytime when you were in the branch of SBI. Well, that happens with the government bodies in India.

But the thing is once you have opened your bank account with the State Bank of India. You won’t be having any problems with using the services seamlessly. Provided you have completed your KYC in full with the bank. If you have not completed your KYC or your bank account is not KYC Compliant.

Then my friend you are going to have trouble using your bank account. 

Ok, now I mentioned that they are excellent in terms of Internet Banking, ATM Services, and UPI Uptime. But they really that good in these aspects?

Yes, I have been using my account with the State Bank of India for the past 5 years. And believe me, their internet banking is never going to put you down. 

And when it comes to the ATM Services their network of ATM machines is very good across India. The UPI responsiveness is also quite good when compared to other public sector banks like Union Bank of India and Canara Bank.

This article is about the method by following which the State Bank of India customers can withdraw money through their ATM Card or Debit Card.

Hey, wait, what is special in withdrawing money using an ATM machine?

It sounds quite simple. But let me tell you what I am talking about.

I am talking about withdrawing money from your bank account (SBI) through an ATM Machine without using your ATM Card or Debit Card.

How does it work?

When I say withdrawing money from an ATM machine without using your debit card. This is the first question you will get in your mind. 

Let me answer your question. This works with the help of a feature of State Bank of India which is known as YONO Cash.

This feature is available in the all in one mobile banking application of the SBI i.e. YONO SBI. In this article, I will tell you how you can use the YONO Cash feature to withdraw money from your bank account without making use of the ATM card.

What Will You Need?

You should have the below-mentioned things read with you to get started with using the YONO cash feature.

  • YONO SBI App should be installed.
  • You should have your login credentials.
  • Data connection to request YONO Cash.
  • And any ATM Center which is near to your location. (YONO Cash Point)

You can download and install the application YONO SBI from the PlayStore if you are an android user.  And if you are an iOS user then you can get it from the iTunes store. 

When it comes to the login credentials you will have to enter your username and password of internet banking. Or else you are already using the YONO SBI App, then you should have your MPIN to proceed.

The data connection is a normal requirement to use any of the internet banking based services of the bank.

And you can find any State Bank of India ATM center which supports YONO Cash. You should not one thing and that is not all the ATM machines of State Bank of India support YONO Cash.

So you will have to find the right one.

How to Know if it’s a YONO Cash Point?

You will find YONO Cash Point written outside the ATM Center if it supports the YONO Cash feature. It is quite easy to make out if the machine supports this feature.

How to Withdraw Money using YONO without using ATM Card?

So is how you can use the YONO cash feature to withdraw money from your bank account without making use of ATM Card.

  1. Open the YONO SBI Application on your Smartphone.
  2. Use your MPIN or User ID to log in to the application.
  3. Tap on YONO Cash option app.
  4. Tap on ATM option in the YONO cash group of options.
  5. Select your bank account.
  6. Enter the amount which you want to withdraw and tap on next.
  7. Create a 6 digit YONO Cash PIN Number and tap on next.
  8. Tick I agree to the terms and conditions and tap on confirm.
  9. You will get your YONO transaction number via SMS on your registered mobile number.
  10. Go to any YONO Cash Point.
  11. Tap on the YONO Cash option from the ATM machine screen.
  12. Enter your YONO transaction number which you received on SMS.
  13. Enter the amount you want to withdraw.
  14. Now you have to enter your YONO Cash PIN number to withdraw your cash.

Bottom Line

This is all about how you being a State Bank of India account holder can withdraw cash from ATM Machine without using the ATM Card. The YONO Cash feature is an amazing one which really helps us when we are in need of cash and we forget to carry our card with us. What are your thoughts about this feature of SBI? Let me know by commenting down below.

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