No physical card needed for cash in France

In 2026, people in France can withdraw cash at ATMs without a physical bank card. Options include SMS codes, mobile apps, and contactless payments, offering alternatives to traditional card-based withdrawals.

Traditional bank branch withdrawals

Withdrawing cash at a bank branch still requires a valid identity document and sometimes a checkbook. Some banks charge fees for withdrawals outside of designated branches, with amounts ranging from 6 € to 30 € depending on the institution and the withdrawal amount.

Mobile app-based cash withdrawals

Several French banks now offer cash withdrawal services through mobile apps. For example, Banque Populaire's SM@RT’retrait service allows users to generate an electronic token via their app, which they can use at ATMs along with a secret code.

Virtual number and SMS-based systems

Crédit Mutuel and CIC use a similar E-Retrait system, which requires a virtual number and an SMS confirmation code. This service is free but has usage limits. Caisse d’Épargne offers an SMS-based withdrawal system that is even simpler, requiring only a code and a PIN at the ATM.

Contactless ATM technology

Contactless (NFC) technology is now available at some ATMs, allowing users to withdraw cash using smartphones registered with Apple Pay, Google Wallet, or Samsung Pay. This method requires identity verification and a PIN, and is popular among users of neobanks.

Cashback at the point of sale

Cashback, or withdrawing cash at the point of sale, is becoming more accessible. Merchants can provide up to 60 € in cash when a customer pays more than the purchase price. Legislative changes aim to increase this limit to 150 € and offer tax incentives to merchants.

Expanded ATM networks

Several major French banks have merged their ATM networks under a common brand called Cash Services. The network aims to provide more than 6,000 access points by the end of 2026, offering free withdrawals, deposits, and document printing.

International cash mandates

La Poste's international cash mandate allows a relative in France to deposit funds for someone stranded abroad. The standard option takes a few days, while the express version provides cash within 24 hours, despite high fees.