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How to withdraw cash from SBI ATM without using debit card or SBI YONO app

State Bank of India has recently introduced the facility of cardless cash withdrawal not only through the SBI YONO app but also from its SBI YONO website.

, ET Online|
Updated: Apr 05, 2019, 02.36 PM IST
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In a particular day, you can withdraw a maximum of Rs 20,000 from an SBI ATM via the YONO website.
Did you know that you can withdraw cash from a State Bank of India (SBI) ATM without a debit card? And that you don't need a smartphone to withdraw cash from the ATM; a simple feature phone will do?

The country's largest scheduled commercial bank, SBI, recently introduced the facility of cardless cash withdrawal not only through the SBI YONO app but also from its SBI YONO website. Currently, the cash withdrawal service is available across 16,500 SBI ATMs. The ATMs which will provide you with this facility will be termed as YONO cash points.

Now, although you do not need a smartphone or even the YONO app, you need to have an active SBI Net banking account to make such transactions possible.

Here are the basic steps which can help you withdraw cash through the SBI YONO website.

Step 1
Visit the SBI YONO website https://www.sbiyono.sbi/. Click on 'Login'.

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Step 2
Enter your Net banking user ID and password -- make sure you have an active personal internet banking account. Once you have entered the active user ID and password, click on login again.

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Step 3
Now, you can view the SBI YONO dashboard where you can check your complete account details and can do other e-banking related activities. However, to make cardless cash withdrawals through this website, you need to further scroll down the website to the bottom and under the 'my rewards' section. Here you will find 5 options - YONO Pay, YONO Cash, Bill Pay, Products, Shop, Book & Order. Click on the YONO Cash tab and proceed further.

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Step 4
This step will guide you on how much cash you can withdraw per transaction per day. Net banking users can withdraw a minimum of Rs 500 and maximum of Rs 10,000 in a single transaction. However, in a particular day, you can withdraw a maximum of Rs 20,000 from an SBI ATM via the YONO website. You can conduct these transactions without a debit card or a smartphone with YONO app. So, after going through the details, click on 'Request YONO Cash'.

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Step 5
Under the 'request YONO cash', you can view the balance amount in your savings account. Below the balance amount tab, enter the amount you want to withdraw from the ATM and click on 'Next'.

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Step 6
Initiate the cash withdrawal process through the YONO website by entering a six-digit YONO cash pin for the transaction.

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The service consists of two-factor authentication: six-digit cash pin for the transaction, which you have to create on the website. Secondly, you will receive a six-digit reference number on your mobile through an SMS. A simple feature phone can also help you conduct this transaction. However, there is one thing you need to adhere to: You have to enter this reference number at the nearest SBI ATM within the time limit of 30 minutes to complete the cardless cash withdrawal.

Once the process is done successfully, the ATM will dispense the cash as required.

(Source input: SBI YONO website)
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