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What is the detailed process of using Cardless Cash Withdrawal through Internet Banking?

To get started with Cardless Cash Withdrawal, you need your Internet Banking User ID & password and be registered with ICICI Bank Mobile Banking Services.


Follow these easy steps to use Cardless Cash Withdrawal service:


Step 1. Request for Cardless Cash Withdrawal at www.icicibank.com

  • Log in to www.icicibank.com with your Internet Banking user ID and password.
  • Register a recipient
    • Go to 'manage payee' section and select 'add Cardless Cash Withdrawal payee'
    • Enter recipient's mobile number, name and address
    • Confirm recipient's registration by entering Unique Registration Number (URN) received on your registered mobile number
  • Create Cardless Cash Withdrawal transaction
    • Go to 'Transfers' section and select 'Cardless Cash Withdrawal'
    • Select an account to make a payment and select Cardless Cash Withdrawal recipient from the registered recipient list
    • Enter transaction amount
    • Authenticate transaction using your debit card grid
    • Your selected account will get debited

Step 2. SMS from ICICI Bank

  • You will receive a unique 4-digit code on your mobile from ICICI Bank
  • Please share the 4-digit code with recipient.
  • The recipient will also receive a sms with a unique 6-digit code on their mobile phone from ICICI Bank.

Step 3. Cash withdrawal from ICICI Bank ATM by Recipient

  • You will receive a unique 4-digit code on your mobile from ICICI Bank. Please share the same with recipient.
  • Recipient has to visit a specified ICICI Bank ATM and enter the following details:
    • The recipient's mobile number
    • The 4-digit code (as received by the sender)
    • The 6-digit code (as received by the recipient)
    • The amount to be withdrawn (in INR)
  • Cash will be dispensed on successful authentication of all these four parameters. The entire amount needs to be withdrawn by the recipient as a one-time transaction.

  • If there is any mismatch in the details entered by the recipient, the Cardless Cash Withdrawal transaction will be blocked and the amount will be returned to the sender's account. For the Cardless Cash Withdrawal enabled ATM list, click here.