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Carrying cards in wallets is ending: How cash is being withdrawn from ATMs
Habits practiced for years are changing as technology becomes widespread. While withdrawing cash using cards at ATMs declines, alternative methods are being preferred instead.
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While cash withdrawals at ATMs have relied on inserting cards for years, advancing technology is phasing out old habits. Card-insertion withdrawals are being replaced by digital transactions.
The requirement to insert bank cards into physical slots is giving way to cash withdrawals via QR codes scanned through mobile apps, while a Central Bank of the Republic of Turkey report shows expanding infrastructure.
Cash withdrawal habits in banking transactions are changing as mobile devices integrate into the system. Transactions long conducted by directly inserting a bank card into an ATM slot are being replaced by contactless methods completed on smartphones. Users can meet their cash needs through mobile banking apps even if they do not have their physical cards with them.
Reklam
How Cardless Cash Withdrawal via QR Code Works
QR code features added to mobile banking apps form the basis of the cardless cash withdrawal infrastructure. The system, which eliminates the need to insert a physical card into the machine, works through the following steps:
- The user opens their bank's mobile app and navigates to the cash withdrawal menu.
- The withdrawal amount and the relevant account are selected on the mobile device screen.
- The dynamic QR code displayed on the ATM screen is scanned using the mobile phone camera.
- Following confirmation in the mobile app, the ATM dispenses the requested cash amount to the user.
Through this process, users do not need to carry a physical bank card, and transactions on all supported devices can be completed using only a phone.
TR QR Code in the Central Bank Report
The cardless transaction infrastructure in Turkey continues to expand across a wider network. Data in the Central Bank of the Republic of Turkey's 2025 Annual Report shows that TR QR Code usage across ATM infrastructure has reached broad coverage. This technical integration across the banking sector turns mobile phones into direct tools for cash transactions.
Reklam
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Will Card Slots Be Completely Removed?
The spread of QR code technology raises the question of whether physical card slots will be completely phased out of ATM designs. Currently, there is no official decision or publicly announced transition schedule to dismantle or remove card slots from ATMs across Turkey.
The banking sector maintains the option to transact with physical cards while continuing to offer the QR code method as an alternative channel. While the transformation in financial technologies is expected to continue, no binding mandate regarding the future of card slots is currently in effect.
Reklam
This article was translated from Turkish. Read the original article in Turkish.
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