HDFC Cardless Cash Withdrawal: How It Works, Limits & Charges (2026)
HDFC Bank Cardless Cash Withdrawal allows you to withdraw cash from an HDFC ATM without using a debit card. The withdrawal is authorised using your mobile number and OTP, making it useful when you forget your card or want to send cash to someone.
Quick Summary: HDFC Cardless Cash Withdrawal
- Debit card required? No
- Authentication: Mobile number + OTP
- ATM type: HDFC Bank ATMs only
- Availability: 24×7
- Charges: Usually ₹0 (as per bank policy)
How HDFC Cardless Cash Withdrawal Works
The process has two parts:
Generate a cash withdrawal request
Withdraw cash at the ATM using OTP
Step 1: Generate Cardless Cash Withdrawal Request
You can generate the request using:
HDFC Mobile Banking App / NetBanking
- Login to HDFC Mobile Banking or NetBanking
- Go to Cardless Cash Withdrawal / Cash Withdrawal
- Enter amount and beneficiary mobile number
- Confirm the request
An OTP is sent to the registered mobile number.
Step 2: Withdraw Cash at HDFC ATM
Go to any HDFC Bank ATM
Select Cardless Cash Withdrawal
Enter mobile number
Enter OTP
Collect cash & receipt
HDFC Cardless Cash Withdrawal Limit
- Per transaction: Typically up to ₹10,000
- Daily limit: May depend on account type
Limits may vary, so check in your HDFC app for confirmation.
Validity of Cardless Cash OTP
- OTP is usually valid for a short time (e.g., a few hours)
- If not used, the transaction expires automatically and the amount is not debited
Charges for HDFC Cardless Cash Withdrawal
- Generally free
- No debit card usage charges
- No ATM withdrawal count impact (in most cases)
Charges may vary based on account variant.
Common Issues & Troubleshooting
OTP expired?
- Generate a new request from the app
Cash not received but transaction successful?
- Amount is usually auto-reversed
- Contact HDFC customer care if delay continues
ATM option not visible?
- Use only HDFC Bank ATMs
- Some older ATMs may not support this feature
Security Tips
- Share OTP only with the person withdrawing cash
- Do not forward OTP messages
- Use trusted HDFC ATMs
- Cancel the request if cash is not withdrawn
FAQs: HDFC Cardless Cash Withdrawal
Can I withdraw cash without debit card in HDFC?
A. Yes, using the cardless cash withdrawal feature.
Can I send cash to someone else?
A. Yes, you can generate a request using the beneficiary’s mobile number.
Is cardless cash withdrawal safe?
A. Yes, it uses OTP-based authentication.
Conclusion
HDFC Bank’s cardless cash withdrawal is a fast, safe, and convenient way to get cash without carrying a debit card. It’s especially useful in emergencies.
