Banks that offer contactless ATM access in the UK

Use your phone to withdraw money from cash machines when you don't have your debit card.

Some of the top banks have found a way to make accessing your cash even easier. With secure apps installed on your mobile phone, you can access your digital wallet to withdraw the money from an ATM. At the moment only a handful of banks in the UK offer this option, including Barclays, NatWest and Royal Bank of Scotland. We have a separate guide on withdrawing cash if you have forgotten your debit card.

1 - 15 of 32
Name Product UKFSA-CUR Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
OFFER
NatWest Premier Select Account
3.9
★★★★★
£0
No minimum funding requirement
0% AER
34.49% EAR (variable)
No foreign transaction fees on purchases abroad (ATM withdrawals & local fees may apply).
Current account switch service guarantee badge
To apply, you need to be 18+ and a UK resident and have ONE of the following: Pay a minimum £100k sole income or £120k joint income paid into a NatWest account. Have £500k minimum mortgage borrowing with us. A minimum £100k savings or investments held with us.
Representative Example: Assumed arranged overdraft of £1,200. Effective annual interest rate 0% on arranged overdrafts up to £500, 34.49% EAR (variable) above £500. Representative 20.1% APR (variable). How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
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Royal Bank of Scotland Select Account
4.2
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable (subject to status)
Current account switch service guarantee badge
You must be 18+ and a UK resident.
Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
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Young Persons Account
3.7
★★★★★
£0
No minimum funding requirement
0% AER

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Revolve
3.9
★★★★★
£0
No minimum funding requirement
2.5% AER

Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking.
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NatWest Adapt Current Account
4.0
★★★★★
£0
No minimum funding requirement
2.5% AER

Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking customers or £60 if not.
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BarclayPlus Account
4.1
★★★★★
£0
No minimum funding requirement
0.1% AER

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Basic Current Account
Not yet rated
£0
No minimum funding requirement
0% AER

Personalise your debit card for £10.
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Foundation
Not yet rated
£0
No minimum funding requirement
0% AER

Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking customers or £60 if not.
Current account switch service guarantee badge
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Foundation
Not yet rated
£0
No minimum funding requirement
0% AER

Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking customers or £60 if not.
Current account switch service guarantee badge
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Premier C/A - with Travel Plus Pack
Not yet rated
£22.50 per month
No minimum funding requirement
0% AER
N/A
Free airport lounge access via barclays.dragonpasspremierplus.com.
Current account switch service guarantee badge Account fee of £22.50 per month.
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Bank Account - with Travel Plus Pack
Not yet rated
£22.50 per month
No minimum funding requirement
0% AER
N/A
Free airport lounge access via barclays.dragonpasspremierplus.com.
Current account switch service guarantee badge Account fee of £22.50 per month.
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NatWest Select Account
4.3
★★★★★
£0
No minimum funding requirement
0% AER
39.49% EAR variable (subject to status)
Current account switch service guarantee badge
You must be 18+ and a UK resident.
Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? Representative APRs help you compare the cost of different credit products.
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Premier C/A - with Breakdown Cover Pack
Not yet rated
£9 per month
No minimum funding requirement
0% AER
N/A
Eligible for Barclays Blue Rewards.
Current account switch service guarantee badge Account fee of £9 per month.
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Premier Reward
4.1
★★★★★
£2 per month
Min. £1250 Per Month
0% AER
39.49% EAR variable
Earn £9 back in Rewards per month by making at a minimum of 2 direct debit payments of at least £4.50 each.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.49% EAR variable. Account fee of £2 per month.
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Premier C/A - with Travel Pack
Not yet rated
£14.50 per month
No minimum funding requirement
0% AER
N/A
Free travel accident insurance – covers each account holder and his/her domestic partner on trips anywhere in the world.
Current account switch service guarantee badge Account fee of £14.50 per month.
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Which banks offer contactless cash machines?

If you have a Barclays account and the Barclays app, you can use it to take out cash when you don’t have your card but need money. Note that only Android users can take advantage of this feature at the moment.

You can take out up to £300 a day from an ATM, or up to £800 a day if you’re a Premier customer. Barclays has 1,200 ATMs across the UK that enable cardless cash withdrawals. Customers can also use the cardless withdrawal service in-branch at 500 UK locations.

NatWest and Royal Bank of Scotland customers with an app can use the Get Cash function to withdraw up to £130 every 24 hours. This feature works at both banks’ ATMs as well as those operated by Tesco. Royal Bank of Scotland customers in Scotland can do the same.

What are contactless ATMs and how do they work?

Cardless cash usually works by providing you with a unique code that you enter into an ATM to withdraw money when you don’t have your card.

This is beneficial if you don’t want to carry a card when you’re out, for instance if you’re on a run or at the beach – or if you’ve forgotten to take your card out with you. You can even share your code with friends or family members so they can withdraw money when you’re not there.

Can you catch COVID-19 from handling cash?

There’s no evidence suggesting you can catch COVID-19 from handling cash, though of course it’s a good idea to wash your hands after you’ve dealt with money to keep up hygiene that can slow the spread of this disease. If you’re concerned about withdrawing cash from an ATM, consider a cardless ATM to minimise contact with the machine.

Contactless app-generated codes vs NFC

There are two ways your phone may connect with a cardless ATM through app-generated codes or near-field communication (NFC).

App-generated codes are typically QR codes, although they can be a series of numbers. If your ATM uses this type of technology, you request a withdrawal in your mobile app and then scan or enter the code once you get to the ATM. Then, the ATM verifies your identity and authenticates your transaction.

Some ATMs use NFC to conduct cardless transactions. With this type of cardless ATM, you tap your phone against the machine’s contactless symbol and your phone’s digital wallet pulls up. From there, you select which card you want to use from your wallet and enter your PIN. Then, the ATM authenticates your transaction.

What are the benefits of using cardless cash?

  • The convenience of travelling light. With cardless cash, you can travel light when the occasion calls for it.
  • In cases of emergencies. You can continue to access your cash even if you’ve left your wallet at home.
  • You can share it with your trusted family and friends. This makes it easier to give family members limited access to the account when they need it. Rather than paying for extra debit cards or worrying about how much they withdraw, you can control their spending by using the app.
  • No additional costs for using it. The app works the same as a debit card when withdrawing money. As long as you’re using ATMs in your bank’s network, you shouldn’t be charged any additional fees.
  • Increased security. In some ways, the app provides more security as the code is for one use only, rather than a debit card which prompts you for the same code each time you use it.

What are the drawbacks of using cardless cash?

  • Only at select banks. Right now, only select banks in the UK offer this feature with their accounts, limiting your choices when making comparisons, but others will probably follow soon.
  • Relies on ATM’s network. If the ATM network is down, you won’t be able to use the code to withdraw money until it’s up and running again.
  • Cardless ATM fraud. If someone gets hold of your bank’s login details and PIN, they can connect your account to their phone and withdraw money without needing your physical debit card.

Security tips when using contactless cash

With any product or device that provides access to your money, either on or offline, you need to be careful about its security. To best protect your money when using cardless cash, avoid the following:

  • Protect your online banking details

Never share the password to your online bank account. With the password, people could gain access to your cardless cash details and make withdrawals without your consent.

  • Monitor suspicious transactions on your account

Although banks take precautions to protect your information, there is always the possibility of a hack. If you notice unauthorised withdrawals from your account using cardless cash, notify the bank immediately.

Bottom line

If you’re a customer with one of the handful of banks that offer the option to withdraw cash from ATMs without a credit or debit card, it can be a nifty way to get your hands on cash quickly in emergencies.

Right now only Barclays, NatWest and RBS customers are able to use this feature, so if you don’t bank with any of these three providers, then you won’t be able to take advantage.

As long as nobody else can get hold of your bank’s login details and PIN, cardless ATM withdrawal can be a very convenient way to get hold of money in emergencies.

Common questions about contactless ATMs

Banking scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Editor

Ryan Brinks is a former editor and publisher at Finder, specializing in investments. He holds a journalism degree from University of Wisconsin–River Falls. See full bio

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