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How To Withdraw Cash From Your Credit Card Without A Pin?

Last modified: Jul 25, 2023

Like most people, you probably don't carry a lot of cash with you these days. It can be a problem if a place doesn’t accept card payments. One quick solution is to use your credit card to withdraw cash.

But what if you forget your PIN?

No worries, because today, we'll tell you how to withdraw cash from your credit card without a PIN.

Let’s dive right in!

How to Get Cash From Your Credit Card Without a PIN

It might surprise you to learn that you can actually get a credit card cash advance without a PIN. There are a few different ways to do this, and we’ll go over some of the most popular methods below.

Visit a Bank Teller

It’s possible to get cash from your credit card without a PIN, but you’ll need to go through a bank teller. This can be helpful if you find yourself in a situation where you need cash but don’t have access to an ATM. 

If you have a credit card, you'll need to bring it with you. You'll also need a photo ID, such as your driver's license or passport.

Access Checks

Some credit card companies will give you blank checks that you can use to take money out of your credit card account. These are called "access" or "convenience" checks. 

Keep in mind that these checks allow you to access your credit line. Some credit card issuers will send you a check automatically. Others will only send it upon request. But note that these checks have high annual percentage rates.

Money Transfer Service

You may use your credit card to purchase a money order from Western Union or MoneyGram. This would allow you to send money to someone with just their phone number or email address. It won't provide you with cash straight away, but it may allow you to spend a portion of your line of credit in cash if you transfer the funds to the proper individual.

Digital Payment Service

People can now use PayPal, Venmo, and Cash App to make payments from their connected credit card accounts. Depending on the credit card provider, the transaction may be regarded as a cash advance. This might eliminate the need to withdraw cash entirely, though these services typically come with a cost.

Prepaid Card

A prepaid card isn’t linked to a bank account. When you use it, you spend the money that you have placed in the prepaid card account in advance. This card won't help you build credit, but you can buy things with it or take out cash from ATMs.

Debit Card

A debit card will not allow you to borrow money, but you’ll be able to withdraw cash from an ATM. You can also use an out-of-network ATM, paying an extra fee. 

If you are interested in building credit, check out this article.

Cash Back

Cash back is another interesting alternative to how to use your credit card without a PIN. Walmart is a great example because it provides up to $100 in cash back. All you have to do is use your debit card at a Walmart store.

Best and Safest Ways to Withdraw Cash

Most people know the standard methods for withdrawing cash from their checking or savings accounts. However, a few other options may be more convenient or safer in certain situations. Here are some of the safest ways to withdraw cash:

  • ATM withdrawals ⇒ This is the most common method of withdrawing cash from an account. ATMs are typically available 24 hours a day and offer quick and easy access to funds. Be sure to use a reputable ATM provider and take precautions to protect your PIN and personal information. You should be aware also that ATMs hold a specific amount of money.
  • Personal Identification Number ⇒ When it comes to your PIN, it’s always a risky business. One way to keep your PIN safe is to cover the keypad with your hand when entering it. It will help prevent "shoulder surfing" — where someone standing nearby tries to see your PIN.
  • Check cashing ⇒ Check cashing services are available at most convenience stores and supermarkets. There is usually a fee for this service, but it’s a convenient way to get cash.
  • Money orders ⇒ Money orders can be purchased at most post offices and banks. They can be used to pay bills or send money to someone who doesn’t have a bank account.
  • Peer-to-peer payments ⇒ There are several apps that allow users to send money to each other using their phone number or email address. This can be a convenient way to get cash to someone without meeting in person.
  • Cashier’s check ⇒ A cashier’s check can be purchased at most banks. It’s a guaranteed form of payment that can be used to make large purchases or send money to someone.
  • Traveler’s checks ⇒ Traveler’s checks are a convenient way to carry cash when traveling. They can be cashed in at most banks and exchanged for local currency.

Also, here, we suggest the best credit card for travel insurance.

Be sure to keep track of all transactions and receipts in case of any discrepancies. By following these tips, you can be sure that you will withdraw cash safely and conveniently.

Can Someone Withdraw Money From Your Account Without Your Card?

Up to 60 million Americans experienced the consequences of identity theft in 2017. Crooks can withdraw money from your account without your card in several ways. 

One way is through an ATM skimming scheme, where they attach a device to an ATM that records your card information when you insert your card. They can then create a counterfeit card and use it to withdraw money from your account.

Another way is to take advantage of online banking apps that don't have proper security measures. If crooks can gain access to your online banking login credentials, they can log in to your account and transfer money out.

To protect yourself from these scams, you should be aware of how they work and take steps to safeguard your account information. For example, you should never give your card or account information to anyone who contacts you unsolicitedly, either by phone or email.

Last but not least, be sure to use only secure ATMs that are not easy to tamper with. When using online or mobile banking apps, ensure the app is from a trusted source, and your password is strong.

By following these simple steps, you can protect yourself from crooks who may try to access your account without your card.

Cash Withdrawal: The Cheapest and Most Appropriate Options

There are a few cheap and suitable options for withdrawing cash in the United States.


ATMs are typically the cheapest way to withdraw cash. The fees for using an ATM can vary, but they are typically lower than the fees for using a debit card at a point-of-sale terminal. You can usually find an ATM at your local bank or credit union and many convenience stores and gas stations.

Debit Card

Debit cards can also be used to withdraw cash at a point-of-sale terminal. The fees for this service vary depending on the bank, but they are typically lower than using a credit card.

In addition, you can read more on How Old Do You Have to Be to Get A Debit Card here.

Prepaid Cards

Prepaid cards can be used anywhere their brand is accepted. You can load them with cash in advance. This is a good option if you don't have a bank account or if you want to avoid fees. The fees for using a prepaid card vary, but they are typically lower than using a debit card at a point-of-sale terminal.

Whatever option you select, review the rates before withdrawing money.

Can I Get Cash From Credit Card With a PIN?

Withdrawing money from the ATM using a credit card is practically the same as using a debit card. There are only a few minor differences between the two. So, let's see how to get cash from a credit card with a PIN:

  1. Insert your credit card into the ATM and enter your PIN.
  2. Select the Cash Withdrawal option and choose the amount of cash you'd like to take out.
  3. If necessary, choose the Credit option (you may be asked to select between checking, debit, or credit).
  4. Insert the amount of money you wish to withdraw.
  5. Accept any fees like ATM transaction fees or cash advance fees. Then, complete the transaction and take out cash.

And just like that, you’re done! Just follow the instructions carefully, and you’ll be good to go. 

Bottom Line

So, how to withdraw cash from a credit card without a PIN?

You can either go to a bank teller, use your debit card, or use the cash back method. As long as you stay safe and keep track of your payments, you won’t have any problems.


Do You Need a PIN for a Credit Card at an ATM?

If you wish to withdraw cash from an ATM using your credit card, you’ll need to enter your PIN. Entering your PIN confirms that you are the card's owner. In most cases, if you don't have a credit card PIN or can't remember it, you won't be able to complete the transaction.

How Do You Make Purchases on Your Credit Card Without a PIN?

When using a credit card in the United States, you normally don’t need to enter your PIN. Instead, you just insert your credit card into the card reader or do a one-time swipe and sign for the transaction.

Is It Okay to Withdraw Cash With a Credit Card, or Should I Take a Debit Card Instead?

You may withdraw money from an ATM using a debit and a credit card. When you take out money using your credit card, it's known as a cash advance, and you are charged interest on the transaction right away. If you’re wondering how to withdraw cash from your credit card without a PIN, we’ve already covered that at the very beginning of this article.

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