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How to use a cardless ATM

Cardless ATMs rely on various types of technology to verify your identity and provide access to your bank accounts. Here are some ways cardless ATMs connect your information to the ATM:

Near Field Communication (NFC)

Near Field Communication allows 2 electronic devices in close proximity to communicate with each other via radio frequency. Tap-to-pay technologies such as Google Pay, Apple Pay or even a credit card with an NFC chip use NFC technology. When you tap your phone, information about your card is sent to the ATM. Once the machine confirms it has received your information, you will usually be asked to enter your PIN or use additional methods to authorize the transaction.

QR and verification codes

In some cases, a cardless ATM uses a QR (Quick Response) code to transmit information. To use a cardless ATM with a QR code, simply point your mobile device’s camera at the code and have it scanned – this will verify your identity. Once your identity is verified, you can complete your transaction.

Instead of a QR code, a cardless ATM may use a different type of verification code. Similar to the two-factor authentication used for additional security When you log into an account online, verification codes at a cardless ATM generate a unique, one-time verification code that you enter into the ATM along with your PIN. After you indicate in your bank’s app what type of transaction you want to make, you will be presented with a confirmation code that usually expires after a few minutes.


Biometric technology relies on physical attributes like facial recognition and fingerprints to verify your identity and provide access to your accounts. This verification technology is most commonly used in phones and laptops, but can also be used at banks and ATMs. Typically, when you access a cardless ATM using biometric technology, the device either scans your face, fingerprint, or iris. This information is then compared with the data you have on file with your bank. If it matches, you get access to your accounts.

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