Cardless withdrawals are an innovative and secure way to access cash without a physical card, thanks to advancements in mobile banking.

In France, several banks offer cardless withdrawal services:

Banque Populaire provides SM@RT’retrait, which generates a temporary code through their app.

Crédit Mutuel offers e-withdrawal, where you receive a code via SMS.

CIC, an affiliate of Crédit Mutuel, works similarly with secure codes.

Caisse d’Épargne requires prior activation, allowing withdrawals using your phone.

These services are quick and particularly useful if your card is lost or forgotten.

Abroad:

In Canada, cardless withdrawal services are limited, with EQ Bank offering a prepaid Mastercard instead of a mobile withdrawal app.

Belgium has yet to see widespread cardless withdrawals, though neobanks like N26 and Revolut offer virtual cards and contactless payments.

If you’re away from your usual branch, you can also withdraw funds at another branch within your bank’s network with proper ID and potentially a checkbook, though fees may apply.

Precautions:

Be aware of any fees for cardless withdrawals and notify your bank if you need a large amount of money.

If your card is lost or stolen, block it immediately to protect your account.

In conclusion, cardless withdrawals offer a simple, secure way to access your funds without a physical card. Whether through mobile apps or branch services, there are various solutions to keep your money accessible in emergencies.