Minsheng Bank Can Shanghai Pudong Development Bank withdraw cash without a card?

Cardless withdrawals at self-service machines:

1.Minsheng Bank self-service equipment:

1) Mobile banking scan code withdrawal: You can select cardless business - cardless withdrawal - scan code withdrawal - enter the withdrawal amount on our bank's ATM, and the ATM screen will automatically generate ***, and after the mobile banking scan successfully, check the information is correct. Select a card, enter the SMS verification code and transaction password, and click Submit.

2) Appointment for withdrawal via mobile banking: You can also make an appointment for cardless cash withdrawal through mobile banking, get an appointment code, and complete the cardless cash withdrawal transaction at the ATM of our bank on the same day with the appointment code and transaction password. At the same time, you can inquire and cancel the reservation on your mobile phone.

2.Self-service equipment:

The mobile banking client of our bank supports scanning ATM*** cash withdrawal of other banks: After confirming with UnionPay, the banks that have launched inter-bank scanning code withdrawal are: Agricultural Bank of China, Guangfa, Everbright, Ping An, Bank of Guangzhou, Bank of Suzhou, Bank of Xi'an, Bank of Lanzhou, Guangdong Huaxing Bank, and Zhongyuan Bank.

The process for cardless withdrawals is as follows:

Operating environment: brand model: iphone13

1. Log in to SPD Bank's [Mobile Banking], enter [Bank Card Number], "Password" and "Additional Code], and click [Login];

2. Click [Account Management] to enter and click [Account Overview];

3. After entering the [Account Overview], click [Cardless Withdrawal] below to enter the [Cardless Withdrawal Appointment] interface, and enter the integer multiple of 100 in the [Reservation Amount], then enter the [Password], and click Confirm;

4. After the appointment is successful, the bank will send the SMS authorization code (6 digits) to the customer's mobile phone;

5. Within the validity period (before the end of the system on the same day) to any ATM CRS machine at the SPD Bank branch;

6. Enter the withdrawal interface, click [Other Business], and click [Cardless Withdrawal] after entering;

7. When withdrawing money, enter [mobile phone number, authorization code, withdrawal amount, withdrawal password] in turn.

Credit card cash withdrawal is different from credit card cash, credit card cash withdrawal is one of the inherent functions of the credit card itself, cardholders can use the credit card to withdraw cash from the bank, credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal two ways:

1. Overdraft cash withdrawal requires interest to be paid, and the interest is calculated from the day you withdraw the cash.

2. There is no need to pay interest for cash withdrawals of overpayment, only part of the handling fee is required, depending on the regulations of each bank.

Note: The minimum cash withdrawal amount of Minsheng Bank is RMB 1.

When you don't have a card around you but want to withdraw cash, you can try to withdraw cash without a card, so how to withdraw cash without a card? Next, the card baby will answer how to use the cardless cash withdrawal function of Minsheng Bank.

1. Use the cardless cash withdrawal function of Minsheng Bank first, and then transfer the current transfer to the other party, without the function of cardless direct transfer.

2. The cardless cash withdrawal appointment service of Minsheng Bank's mobile banking is more convenient, and there is no need to apply separately, customers who have opened the external transfer function can select the Minsheng debit card for cash withdrawal, enter the appointment amount, customize the 6-digit reservation code, and click "Send SMS", they will receive the SMS verification code sent by the bank, and the appointment will be successful after passing the verification.

3. In terms of the amount of cash withdrawal, the cumulative reservation of the cardless cash withdrawal business of most banks in a single day can reach 20,000 yuan, but there are differences in the single limit of cash withdrawal and the number of cash withdrawals in a single day. In terms of the amount of a single transaction, many banks do not exceed 2,500 yuan at most, and Minsheng Bank can reach up to 3,000 yuan for a single transaction, and it does not occupy the external transfer limit of mobile banking. For the number of daily cash withdrawals, Minsheng Bank has a maximum of 10 cash withdrawals in a single day.

Credit cards can be used to withdraw cash.

There are two ways to withdraw cash from credit cards that have become popular recently:

One is to go directly to the UnionPay access machine to withdraw money, in this case, only half of the credit amount can be withdrawn, such as the trust limit is 50,000, and the maximum can only be withdrawn 10,000;

Another common way to withdraw money is to swipe it out on the POS machine. In the form of virtual messages, the merchant charges a small fee and gives you cash directly. And the bank doesn't know what way you get out.

It is regarded as a shopping purchase. There is an interest-free time period. Some of them are 50 days, so as long as they are paid off within the specified time, no interest will be accrued.

Note: If the cardholder fails to repay the loan on time, he or she will have to bear the overdue repayment interest that is higher than the overdraft interest, and it may cause a bad credit record, and there will be problems in borrowing funds from the bank in the future, and even bear the legal risk of personal credit loss.

Whether you can withdraw cash is a problem with your credit card, not a problem with your Minsheng Bank credit card. Theoretically, all credit cards can be withdrawn, depending on whether there is a cash withdrawal limit. If your credit card does not have a cash withdrawal limit, you can't withdraw cash, of course you can withdraw it if you have a limit, which has nothing to do with which bank the card belongs to.