How to Withdraw Cash Without a Card Using VietinBank QR at an ATM (Easy Guide)
Withdrawing cash via VietinBank QR is a cardless withdrawal method that allows users to withdraw money directly at VietinBank ATMs through the VietinBank iPay Mobile application. Users simply scan the QR code displayed on the ATM screen with their smartphone to authenticate and receive cash - no physical ATM card required.
In this article, iCheckQR provides a detailed guide on how to withdraw cash using VietinBank QR, including step-by-step instructions, fees, withdrawal limits, and common errors—making it easy even for first-time users.
1. Requirements for Withdrawing Cash via QR at VietinBank ATMs
To withdraw cash using a QR code at a VietinBank ATM, users need to meet the following basic requirements related to the banking app, account/card, and ATM:
VietinBank iPay Mobile must be installed, registered, and logged in successfully.
The linked account or card must have sufficient available balance for the transaction.
The VietinBank ATM must support the “Cash Withdrawal by QR Code” feature (shown on the ATM screen).
Supported VietinBank cards/accounts include:
VietinBank debit cards (domestic and international)
Certain VietinBank credit cards, depending on card type and specific conditions
2. Detailed Guide to Withdrawing Cash via VietinBank QR at an ATM
The VietinBank QR cash withdrawal process is quite simple and involves actions on both the ATM and the VietinBank iPay app. Just follow the steps below, even if it’s your first time using QR withdrawal.
Step 1: Go to a VietinBank ATM that supports QR withdrawal
Find a VietinBank ATM displaying “Cash Withdrawal by QR Code”
On the ATM screen, select Withdraw Cash by QR Code
Step 2: Open the VietinBank iPay app on your phone
Launch the VietinBank iPay Mobile app
Log in using your password or biometric authentication
Step 3: Scan the QR code displayed on the ATM screen
In the iPay app, go to QR Pay
Select Withdraw Cash by QR / Cardless Withdrawal
Use your phone camera to scan the QR code shown on the ATM
Step 4: Enter the amount and authenticate the transaction
Enter your card PIN on the ATM keypad when prompted
Enter the withdrawal amount on the iPay app
Confirm the transaction
Step 5: Receive cash and complete the transaction
The ATM dispenses cash
Take your money and finish the transaction
Check the successful transaction notification on the iPay app
Notes before withdrawing cash:
Your phone must have a stable Internet connection
QR codes are valid for a short time only, so perform the steps continuously
Applicable to domestic debit cards and certain VietinBank credit cards
Interbank withdrawals are possible at ATMs displaying the VietQR logo
Video guide on cardless QR withdrawal at VietinBank ATM:
https://www.tiktok.com/@loc35.vietinbanker/video/7578038457709120776
3. Fees & Withdrawal Limits for VietinBank QR Cash Withdrawal
Fees for withdrawing cash via VietinBank QR depend on the card type used and the bank’s policy at the time of transaction.
3.1. Service Fee Schedule for VietinBank QR Cash Withdrawal (Updated 2026)
Fees vary depending on whether the withdrawal is made within the VietinBank system or at another bank’s ATM:
Note: Fees may change depending on the period and card tier (Gold, Platinum cards may be fee-free).
3.2. Withdrawal Limits for VietinBank QR Cash Withdrawal
QR withdrawal limits on VietinBank iPay Mobile are synchronized with the limits of the linked physical card:
Minimum withdrawal amount: VND 50,000 per transaction
Maximum per transaction:
VND 5,000,000 at standard ATMs
Up to VND 10,000,000 at RDM machines
Daily withdrawal limits:
Domestic cards: up to VND 30,000,000 per day
International / Priority cards: up to VND 100,000,000 per day, depending on customer tier
Note: Transactions will only succeed if the withdrawal amount is within both the card limit and the QR transaction limit set in the iPay app.
4. List of VietinBank ATMs Supporting QR Cash Withdrawal
VietinBank has deployed QR cash withdrawal on most of its ATM/RDM machines nationwide. To find a suitable ATM, you can use one of the following methods:
Method 1: Search directly on the VietinBank iPay app
Log in to VietinBank iPay Mobile
On the home screen, select Branch/ATM
The app will display nearby ATMs along with their operational status
Method 2: Identify directly at the ATM
If the ATM screen shows “Withdraw Cash by QR Code” or a QR icon, the machine supports cardless withdrawal
Typically, key number 9 on VietinBank ATM keypads is the shortcut to activate this feature
Method 3: Withdraw at other banks’ ATMs (Interbank)
Applicable at ATMs of Vietcombank, BIDV, Agribank, Sacombank, TPBank, etc.
Only available at ATMs displaying the VietQR logo or supporting interbank QR withdrawal
Note: Interbank QR withdrawal fees are usually higher than withdrawals at VietinBank ATMs.
5. Common Errors & How to Fix Them When Using VietinBank QR Withdrawal
During QR cash withdrawals, users may occasionally encounter issues due to network problems, ATM errors, or incorrect操作. Below are the most common issues and quick solutions:
QR code expired (30–60 seconds): Cancel the transaction on the ATM, select QR withdrawal again to generate a new code, and proceed more quickly.
iPay connection error (lost 4G/WiFi): Check your Internet connection, move to an area with better signal, or use the bank’s WiFi if available.
ATM displays “Service temporarily unavailable”: The ATM may be under maintenance or out of cash → switch to another VietinBank ATM or one with VietQR support.
Incorrect PIN entered too many times: Your account may be locked → contact 1900 558 868 for assistance.
6. FAQ – Frequently Asked Questions
Beyond the basic steps, many users still have questions about requirements, security, or specific situations. Below are the most common questions with brief answers:
Do I need to register separately for QR cash withdrawal?
No. You only need an active VietinBank account/card and the iPay Mobile app with Internet access.
Can I withdraw cash via QR if I forget my phone?
No. The transaction requires the iPay app on your phone to scan the QR code and authenticate.
Is QR cash withdrawal safe?
Yes. It is very secure—you don’t risk card retention, and each QR code is single-use and valid for a very short time.
Conclusion
Through this article, you now understand in detail how to withdraw cash using VietinBank QR at an ATM—from usage requirements and step-by-step instructions on the VietinBank iPay app and ATM, to fees, limits, and common issues. Once familiar with this process, you can withdraw cash quickly without carrying a physical card and enjoy more convenient ATM usage.
In practice, QR codes are increasingly used not only in banking but also in payments, information sharing, and marketing. If you need to create QR codes to share links, documents, or online content, iCheckQR is a fast and easy-to-use tool to help you get started.
