Withdrawing money without a card is now possible thanks to Santander’s contactless ATMs, which use NFC (Near Field Communications) technology. This wireless technology allows data to be transmitted instantly between devices that are within a few centimetres of each other. In this case, the ATM and your mobile phone.

If you have left your wallet at home and need cash we explain here, step by step, how to withdraw money using your mobile phone:

  1. You must have Samsung Pay (Android) or Wallet App with Apple Pay (IOS) installed and have your card pin number and a mobile with NFC technology.
  2. Find the nearest contactless ATM. For this you can use the Santander App. In the drop-down menu click on "ATMs", look for the "Contactless" filter and select it. The closest ATM will be shown on the map.
  3. Open the mobile payment application, select the card you want to use and put the mobile phone close to the contactless ATM reader.
  4. With your mobile phone close to the contactless reader, enter your PIN code in the ATM, which is the way to identify yourself and ensure that the transaction is secure.

Withdrawing money using a code, another option

Another option available to you is to withdraw money using a code generated by the Santander App. The process is very simple and we explain it to you here:

  1. You must have the Santander App installed on your mobile phone and have your access codes.
  2. Find the nearest contactless ATM. For this you can use the Santander App. In the drop-down menu click on "ATMs", look for the "Contactless" filter and select it. The closest ATM will be shown on the map.
  3. Enter the Santander App using your passwords. In the drop-down menu look for the "My products" section and then click on "Cards". Find the card which you want to use to withdraw money, click on "Other options", then select "Withdraw money using a code" and follow the instructions.
  4. Once at the ATM, on the screen press the button “Transactions without a card” and then click on “Withdraw money using a code” and enter the code generated by the Santander App.

This system allows you to withdraw money using a code up to a maximum of 300 euros a day and 1,000 euros a week. It is a service similar to HalCash, which also allows you to withdraw money without a card at the banks that form part of this network.

Pay in cash at an ATM and receive change

Contactless ATMs can also return coins, so it is possible to pay in any amount of money. For example, if you need to pay in €49.30 to your account or to someone else's, insert a €50 note into the ATM slot, specify the exact amount you want to pay in and the ATM will return the change. Thanks to this function you can also pay taxes, bills, etc. that are not direct debited.


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