Cardless Withdrawal In Malaysia

Cardless withdrawal in Malaysia lets you take out cash at an ATM using a one-time code generated on your banking app, with no physical card needed. Major banks that offer this include CIMB (via CIMB OCTO), Maybank (MAE and Maybank2u), Public Bank (MyPB), Hong Leong Bank (HLB Connect), RHB, and Bank Islam (BIMB). Each bank issues the code differently, applies its own daily limit, and restricts use to its own ATM network.

Cardless Withdrawal: Per-Bank Quick Reference

Does CIMB Have Cardless Withdrawal?

Yes. CIMB supports cardless withdrawal for Savings and Current account holders. The process runs through the CIMB OCTO app, which replaced the older CIMB Clicks app.

To start, open CIMB OCTO and initiate a fund transfer to a recipient's mobile number. Once the transfer is confirmed, the recipient receives a one-time PIN (OTP) by SMS. The recipient takes that OTP to any CIMB ATM, selects the cardless withdrawal option, enters the OTP, and collects the cash. The code is single-use.

CIMB's official website did not publish specific per-transaction limits or OTP validity windows for this feature at the time of writing. Check cimb.com.my or call 03-6204 7788 for current figures before you transact.

Does Maybank Have Cardless Withdrawal?

Yes. Maybank offers two separate cardless withdrawal methods. The newer method uses the MAE app with a QR code; the original method uses Maybank2u and sends a numeric code by SMS.

MAE ATM Cash-Out (QR Method)

1. Open the MAE app and tap ATM Cash-out under Quick Actions.
2. Enter your password and accept the Terms & Conditions.
3. Approve the setup via Secure2u. A mandatory 24-hour cooling-off period applies on first activation.
4. Once active: open MAE, select ATM Cash-out, enter the amount, scan the QR code on the ATM screen, choose your debit account, and tap Withdraw Now.

The MAE ATM Cash-out is free. The withdrawal counts toward your existing daily withdrawal limit. For a dedicated guide, see the Maybank cardless withdrawal page or the MAE cardless withdrawal page.

Maybank2u Cardless Withdrawal (SMS Code)

1. Log in to Maybank2u and go to Transfers > Cardless Withdrawal.
2. Enter the recipient's mobile number, your account to debit, and the amount.
3. Confirm the transaction. The recipient receives a secure 16-digit code by SMS.
4. The recipient goes to any Maybank ATM, selects Cardless Cash Withdrawal, and enters the code.

Daily limit: RM300. Fee: RM1 per transaction. Code valid for 24 hours.

Does Public Bank Have Cardless Withdrawal?

Yes. Public Bank's cardless withdrawal runs through the MyPB app and works at any Public Bank ATM or Cash Recycling Machine (CRM).

1. Log in to MyPB and select Withdrawal from the main screen.
2. Choose Own Withdrawal or send to Others.
3. Enter the withdrawal amount and confirm.
4. A 7-digit T-code appears in the app. A 6-digit W-code arrives by SMS to the account holder's registered number.
5. At the ATM or CRM, select Cardless Withdrawal, then enter the T-code followed by the W-code to collect cash.

Daily limit: RM1,000 (part of the overall third-party daily transfer limit). Both codes expire at 11:59 PM on the same day. The service is free.

Can I Withdraw Money From RHB Bank Without ATM Card?

Yes. RHB offers cardless withdrawal via the RHB Mobile Banking app. You select the cardless withdrawal option in the app, specify the amount, and receive a one-time code. Take the code to any RHB ATM, select the cardless option, and enter the code to withdraw.

The code is single-use and expires within a limited time window. RHB's official website did not publish the exact per-transaction limit or validity period for this service at time of writing. Contact RHB at 03-9206 8118 or visit rhbgroup.com to confirm current limits before you transact.

Can I Withdraw Money From Hong Leong Bank Without ATM Card?

Yes. Hong Leong Bank's cardless withdrawal is built into the HLB Connect app and works at HLB ATMs.

1. Open HLB Connect and tap Menu > Cardless ATM Withdrawal.
2. Select the account to debit and choose the withdrawal amount.
3. Tap Next, review the details, and tap Withdraw Now.
4. A 6-digit ATM Withdrawal Code appears on screen.
5. Go to an HLB ATM, select the cardless withdrawal option, and enter the code.

Daily limit: RM1,500 for account holders aged 18 and above; RM100 for those under 18. The selected amount is earmarked in your account and released back automatically if not withdrawn within one hour. The service is free.

Can I Withdraw Money From Bank Islam Without ATM Card?

Yes. Bank Islam account holders can use the BIMB app to generate a one-time code for cardless withdrawal at Bank Islam ATMs. You initiate the withdrawal in the app, receive a code, then enter it at the ATM to collect cash.

Bank Islam's official pages did not publish specific per-transaction limits, code validity windows, or fees for this feature at time of writing. Contact Bank Islam at +603-26 900 900 or visit bankislam.com to confirm current details.

What Is Needed To Use Cardless Withdrawal?

To use cardless withdrawal at any Malaysian bank, you need:

• An active current or savings account at the bank.
• The bank's official mobile app installed and registered on your smartphone.
• A mobile number linked to your account (for SMS code delivery where applicable).
• Internet access on your phone to generate the code before going to the ATM.

No physical ATM card is required for the transaction itself. If your card is lost or blocked, cardless withdrawal gives you access to your funds while you wait for a replacement.

What Are The Benefits Of Cardless Withdrawal?

Cardless withdrawal removes the single-point dependency on a physical card. Four practical advantages stand out:

• You can access cash when your card is lost, blocked, or left at home.
• One-time codes expire quickly, which limits the window for fraud compared to a skimmed card PIN.
• You can send cash to a recipient who has no card at all, using Maybank's Cardless Withdrawal or CIMB's transfer method.
• Most banks offer the feature free of charge.

How To Use Cardless Withdrawal?

The general steps apply across most banks in Malaysia:

1. Open your bank's app and log in.
2. Find the cardless withdrawal or ATM cash-out option (location varies by bank; refer to the bank sections above).
3. Enter the amount and confirm. The app generates a code or QR.
4. Go to a compatible ATM, select the cardless withdrawal option, and enter or scan the code.
5. Collect your cash. Log out of the app.

The code works only once. Do not share it with anyone. If the ATM session times out before you complete the transaction, return to the app and generate a new code.

Transaction Fees

Most banks charge no fee for cardless withdrawal. Maybank's traditional Cardless Withdrawal via Maybank2u charges RM1 per transaction. The MAE ATM Cash-out, Public Bank MyPB, and HLB Connect services are free. Check your bank's current schedule of charges, as fees can change.

Transaction Limit

Daily limits differ by bank. The confirmed figures at time of writing are:

• Public Bank: RM1,000 per day
• Hong Leong Bank: RM1,500 per day (adults)
• Maybank Cardless Withdrawal (Maybank2u): RM300 per day
• Maybank MAE ATM Cash-out: counts toward your existing daily withdrawal limit
• CIMB and RHB: confirm with the respective bank

Per-transaction caps may also apply. For other types of bank transfers in Malaysia, limits follow a separate schedule published by each bank.

Compatible Devices

All major bank apps in Malaysia support cardless withdrawal on Android and iOS smartphones. The MAE app also works on some smartwatches. Your device must be able to run the bank's current app version and maintain an internet connection long enough to generate the code. No special hardware is required beyond a smartphone with a registered SIM.

What Are The Advantages Of Cardless Withdrawal Over Traditional ATM Transactions?

Compared to inserting a physical card at an ATM, cardless withdrawal reduces three risks. First, there is no card to skim or clone because no physical card is inserted. Second, a lost card does not block cash access, as long as your phone and account are intact. Third, sending money to a recipient for cardless collection removes the need for an interbank transfer followed by a separate withdrawal.

The practical trade-off is that the ATM must support the feature, which today means staying within the issuing bank's own ATM network. You cannot use a Maybank-generated code at a CIMB ATM.

Disadvantages Of Cardless Withdrawal In Malaysia

Three limitations are worth knowing before you rely on cardless withdrawal:

• Daily limits are lower than standard card withdrawal limits at several banks. At Maybank's traditional service, the cap is RM300 per day, which is unsuitable for large cash needs.
• The feature works only at the issuing bank's own ATMs. A dead phone battery or loss of mobile signal at the ATM blocks the transaction.
• Security depends entirely on your phone. If someone has access to your unlocked phone and your banking app, they can generate and use a withdrawal code.

How to Withdraw Money in Malaysia Other Than Using Cardless Withdrawal?

1. ATM with card: Insert your debit card and enter your PIN at any MEPS-linked ATM.
2. Bank counter: Visit a branch and request a cash withdrawal from the teller with valid ID.
3. Bank cheque or cashier's cheque: Request a cheque drawn on your account and encash it at a bank counter.
4. Wire transfer: Send funds to another account via DuitNow, IBG, or SWIFT for overseas transfers.
5. Bank draft: A secured payment instrument issued by the bank, useful for large transactions.

If your ATM card is lost, report it to your bank immediately, then use cardless withdrawal or a branch counter withdrawal while you wait for a replacement card. Maybank customers can also refer to the guide on what to do when your Maybank card is lost.

Cardless withdrawal is the most practical short-term fix when a card is unavailable. The comparison table at the top of this page shows which bank app to open, the daily limit, and the fee for each bank.