Money from ATM without Debit Card - ICICI smsNcash

ICICI NET BANKING has provided new facility called the smsNcash

Here are the steps how to withdraw money without Using debit card.

Min Requirements:
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1) You should have Net banking Transfer facility,
2) Your Mobile should be configured to This Account.

Steps to Withdraw:

1) Log on to your internet banking.
2) You can see an option on the left side as smsNcash (new Option below the Funds Transfer option)
3) Click on smsNcash Option.
4) It will ask you to enter the Mobile number of the person who is collecting money from ATM. Lets Say your friend.

(i) Enter Your Friend Mobile number.
(ii) Amount how much you want to give your friend.
(iii)Both of you will get Msg from ICICI immediately. You will get 4 digit secret Code, and your friend will get 6 digit secret Code.
(iv) Make a call to your friend and give 4 digit Secret code which you received.

5) Then your friend needs to walk in ATM (ICICI).
(i) Here by default now ICICI ATM s are showing Home page as smsNCash.
(ii) It will ask your friend to give his mobile number and 6 digit Secret code which he received from ICICI bank and 4 digit Secret code which he received from you.
(iii) ATM will give you the Amount which you transferred to that Mobile no.

Advantage : Your Friend can withdraw money though he doesn’t have any accounts with ICICI.

Note : This facility is chargeable. Min of 10/- And Max of 20/- Based on transaction.

Limitations : One Mobile Number you can transfer Max 10,000 per day. You can Transfer to Multiple Mobile Numbers Max 25,000 per day.

Article by SumiSuresh

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