Can you use a virtual credit card to withdraw money from an ATM in the UK?
I'm contemplating getting a virtual credit card from a provider with more competitive exchange rates & fees for visiting the UK. The provider does support the popular smartphone payment apps, so it's possible to pay in (some) stores.
Can I withdraw GBP from a UK ATM this way, or do I need a physical card to withdraw money from an ATM?
In case it's relevant, the specific providers I have in mind are Revolut and Google Pay, but I'll be happy with any answer that says "it only works if you use so-and-so provider instead of those two".
Best Answer
Alternatively to an ATM, you can ask for cashback in stores.
The way this works is that after scanning your items, you can ask the person at the till for cashback of X amount (normally smaller amounts work better as they might not have enough in the tills/the app of your choice might have a cap), they then add that to the purchase amount, charge the contactless payment (in this case Google Pay as you mentioned), and give you the money from the till.
I've done this many times before with Google and Samsung Pay without an issue, no physical card needed. The easiest place to do this is at chain stores such as Tesco, Lidl, Morrisons etc as they are very used to it and the large ones are open 24 hours a day.
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Can I get money from ATM with virtual card?
Google Pay cardless ATMsYou can withdraw money at any ATM that has the contactless symbol. Open your Google Pay Wallet. Click on your card you wish to use. Tap your phone against the contactless symbol and enter your PIN.Can I get cash from a virtual credit card?
You cannot get a cash advance through a virtual credit card. Virtual credit cards are just an option offered with some credit card accounts, adding an extra layer of security against fraud by masking a card's sensitive information. They can only be used for online, and some over-the-phone purchases.How do you withdraw with virtual card?
How to use my virtual card?Can I withdraw money from ATM without card UK?
Withdrawing cash from ATMs without a bank card For larger sums of money or just for convenience, you can now withdraw cash from ATMs in the UK without your debit card. You will first of all need to have the mobile banking app of your bank downloaded onto your phone.Can you withdraw money from a credit card at an ATM?
More answers regarding can you use a virtual credit card to withdraw money from an ATM in the UK?
Answer 2
While the accepted answer is correct (I use a TransferWise card), the user specifically mentioned Revolut. Revolut provides a debit Mastercard (just like TransferWise) and I have used it across the EU (and in the UK...).
TransferWise may be available to users from more countries. My wife (Canadian, non-UK-resident) is not permitted a UK card, and uses my Revolut at UK ATMs, but she has a TransferWise account (I don't know if she could get a TransferWise debit card).
My favourite is Curve, because it charges back to a credit card, and I switch between my UK MasterCard and my Canadian Visa, depending where I am; and I never have to load it up like Revolut or TransferWise. The downside is that I know you can't get one of those if you are not a resident of the EEA.
Answer 3
I just noticed today that a self-service checkout in a Swedish supermarket, where you can pay with either card or cash, now had the option to withdraw money from it.
It's the first time I've ever seen it and I guess these could be found in the UK, maybe now maybe later. I know Tesco have self service machines that handle cash.
So if you are like me, living without a wallet, then those are a good and speedy option.
If you can't find any machines like these then your only options are to ask cashiers for a withdrawal, or to send money to someone you trust and ask them to withdraw it.
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