How to withdraw cash using a QR code at ATMs for all banks
You can withdraw money at ATMs without carrying your physical bank card — simply by scanning a QR code with your smartphone. This method is faster, more secure, and helps you avoid risks such as card swallowing or data theft.
In this guide by iCheckQR, we’ll walk you through how to withdraw money using QR codes at ATMs — including the general process applicable to most banks and specific instructions for Vietcombank, VietinBank, BIDV, Techcombank, Sacombank, and MB Bank.
1. Benefits of Withdrawing Cash via QR Code Compared to Using an ATM Card
QR code withdrawals are a modern banking feature implemented by many Vietnamese banks to offer maximum convenience. Compared to traditional card-based withdrawals, this method provides several key advantages:
Faster: Simply open your banking app, scan the QR code displayed on the ATM screen, and withdraw cash instantly — saving significant time compared to inserting a physical card.
Safer: Since no card is inserted, there’s no risk of card swallowing, skimming, or data theft.
More convenient: You only need your smartphone — no card required — to withdraw money from any ATM that supports QR codes.
Reduced contact: This method limits physical contact with ATM surfaces, enhancing hygiene and personal safety.
Ideal for those who forget their card: Even if you leave your card at home, you can still generate a QR code on your banking app and withdraw money easily.
2. General Steps to Withdraw Cash Using a QR Code (Applicable to Most Banks)
Most major banks in Vietnam — including Vietcombank, BIDV, VietinBank, Techcombank, MB Bank, and Agribank — support QR code cash withdrawals.
Here’s the general process:
Step 1: Open your mobile banking app and select “Withdraw via QR Code” or “Cardless Withdrawal.”
Step 2: Enter the amount you wish to withdraw; the system will generate a unique QR code for the transaction.
Step 3: At the ATM, select “Withdraw via QR Code.”
Step 4: Use your smartphone to scan the QR code displayed on the ATM screen.
Step 5: Verify the transaction details → confirm → collect your cash.
This process only takes a few minutes and requires no card insertion or PIN entry at the ATM. It’s fast, secure, and ideal for contactless banking.
3. How to Withdraw Money Using Vietcombank (VCB) QR Code – Simple Guide
Vietcombank is one of the first banks to support QR code withdrawals via the VCB Digibank app.
Step 1: At the ATM
Go to a Vietcombank ATM that supports QR code withdrawals.
Press “Withdraw money using QR code” on the ATM screen.
The ATM will display a QR code for you to scan.
Step 2: On your phone
Open the VCB Digibank app.
Select “Card Service Management” → “Withdraw money using QR code.”
Use your phone’s camera to scan the QR code shown on the ATM screen.
Choose your card type and enter the withdrawal amount, then tap “Confirm.”
Step 3: Complete the transaction
Enter your card PIN at the ATM.
If the PIN is correct, the ATM will dispense cash.
Note:
You can only withdraw money using a QR code at Vietcombank ATMs.
The withdrawal amount must not exceed 5,000,000 VND and must be in multiples of 20,000 VND.
Vietcombank’s QR withdrawal feature is especially useful when you need urgent cash but don’t have your card with you.
4. How to Withdraw Money Using VietinBank QR Code – Quick Guide
VietinBank allows customers to withdraw cash without a card through VietinBank iPay Mobile, using just a few QR code scanning steps at the ATM.
Step 1: At the ATM
Select “Withdraw cash using QR code” or “Cash by QR.”
Step 2: On the iPay app
Log in to VietinBank iPay, then choose “QR Pay.”
Step 3: Scan the QR code
Use your phone’s camera to scan the QR code displayed on the ATM screen.
Step 4: Enter PIN and amount
Input your card PIN at the ATM and select the desired withdrawal amount.
Step 5: Complete the transaction
Collect your cash from the ATM.
Note: Some VietinBank ATMs may display the “Withdraw money using QR code” option directly on the main screen for faster access. Ensure your phone has a stable Internet connection and that you are logged in to iPay before performing the transaction.
5. How to Withdraw Money Using BIDV QR Code – Flexible Method
BIDV supports QR code withdrawals through the SmartBanking app, making transactions quick and card-free.
Step 1: At BIDV ATM
Select the “Scan QR” function on the ATM screen.
Step 2: On your phone
Open BIDV SmartBanking, log in, and select “QR Withdrawal at ATM.”
Step 3: Scan the QR code
Use your phone’s camera to scan the QR code displayed on the ATM screen.
Step 4: Enter information
On the app, enter your card type, card number, source account, and the amount to withdraw.
Step 5: Confirm at the ATM
Select the amount again on the ATM screen and enter your card PIN to confirm.
Step 6: Receive cash
Collect your cash from the ATM.
Tip: You can generate a QR code in advance within the app and use it at any BIDV ATM within 5 minutes, saving time at the machine.
6. How to Withdraw Money Using Techcombank QR Code – Convenient Option
Techcombank offers a cardless withdrawal experience through the Techcombank Mobile app, ensuring flexibility and security.
Step 1: On your phone
From the main screen, select “Cardless Withdrawal” (or find it under Utilities / Accounts & Cards, depending on your app version).
Enter the desired amount (make sure it matches ATM denominations like 50,000₫, 100,000₫, 200,000₫, 500,000₫).
Choose your source account and confirm the transaction.
The system will send you a transaction code (a numeric string).
Step 2: At the ATM
Select “Cardless Withdrawal” or “Cash withdrawal without card.”
Enter the transaction code you received from the app.
Follow the on-screen instructions to complete the transaction. The ATM will dispense your cash.
Note:
You must perform the transaction within 30 minutes after receiving the code; otherwise, it will expire.
This feature is only available at Techcombank ATMs/CDMs that support cardless withdrawals.
7. How to Withdraw Money Using Sacombank QR Code – Practical Steps
With Sacombank Pay, users can easily withdraw cash using QR codes at compatible ATMs—no physical card needed.
Step 1: At the ATM
Press key 9 or choose “QR Withdrawal” on the screen.
A QR code will appear on the ATM screen.
Step 2: On your phone
Open Sacombank Pay or mCard.
Select “Scan QR Code” or go to Quick Access → QR CODE.
Use your phone’s camera to scan the QR code on the ATM screen.
Step 3: Complete the transaction
Choose the funding account and enter the withdrawal amount in the app.
Tap “Finish.”
Enter your card PIN at the ATM and collect your cash.
Note: Some older Sacombank ATMs only support 6-digit transaction codes, not QR codes. Always look for ATMs with a QR symbol to ensure successful transactions.
8. How to Withdraw Money Using MB Bank QR Code – Simple Guide
The MB Bank App allows you to generate a QR code for quick withdrawals and even supports proxy withdrawals for others.
Step 1: Go to an ATM that supports QR code withdrawal via MB Bank.
Step 2: Select the language → choose “QR Withdrawal” or “VietQRCash.”
Step 3: On your phone, open the MB Bank app, tap “Scan QR,” and scan the code on the ATM screen.
Step 4: Select your account and enter the withdrawal amount.
Step 5: Confirm the transaction using PIN, fingerprint, or Face ID.
Step 6: Once confirmed, the ATM will dispense cash. Collect your money to complete the transaction.
Note: MB Bank allows you to share QR codes for third-party withdrawals within a valid time frame — perfect for sending money to family or friends who don’t have a bank account.
9. Important Notes for QR Code Withdrawals
To ensure safe and successful transactions, keep the following in mind:
Maintain a stable Internet connection on your phone during the process.
Only withdraw at ATMs of your bank or those that support QR withdrawals.
Withdrawal amounts must comply with bank rules (e.g., multiples of VND 200,000 for Vietcombank).
QR codes are valid for 5–10 minutes; expired codes must be regenerated.
Never share your QR code unless you fully trust the recipient.
Prefer ATMs displaying the “QR Cash Withdrawal” logo to ensure compatibility.
Conclusion
Withdrawing cash using a QR code is a modern, secure, and time-saving method that offers flexibility and reduces risks. If you often forget your card or simply want to experience a faster, contactless way to withdraw money, enable this feature on your bank’s mobile app today.
Additionally, you can create your own personal QR codes — for sharing account info, links, or contact details — easily and securely with iCheckQR, a free and ad-free QR code generator.
