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The Daily Insight Hub

Can someone use my debit card without PIN?

Author

Sophia Koch

Updated on February 13, 2026

Generally speaking, you can’t get money from your debit card without the PIN. ATMs, banks, and retailers won’t usually allow you to make withdrawals or add “cash back” to a transaction without it.

Can someone use my ATM card without knowing my PIN?

Without your personal identification number, or PIN, debit card transactions shouldn’t receive approval. Criminals can obtain the PIN when hacking into a merchant’s site. Once they get your information, they can create phony cards and use them at ATMs.

What can someone do with your cash PIN?

If someone claiming to be a Cash App service representative asks for your sign-in code or PIN, asks for you to send them money, or asks for personal information, it’s a fraudster. No Cash App service representative will ever ask for your sign-in code over the phone, on social media, or through any other channel.

Can a person withdraw money from an ATM without a pin?

Without your card and PIN, no one can withdraw funds from your account, out of an ATM. It’s as simple as that! If your account has been ‘drained’ as you say, then there is more to this than you are admitting.

How can someone take money from your account at an ATM?

What has been known to happen is criminals installing tiny, hidden cameras at ATM machines that capture the PIN as you type it in. It’s also possible that a person was able to watch you enter your PIN standing next to you in line where you’ve entered your PIN. That PIN in conjunction with your cloned card is a goldmine.

Is it illegal to withdraw money from ATM in India?

Statistically, plastic money frauds in India have seen troubling growth in the last decade. Headlines reporting fraudulent money withdrawals from ATM machines are an almost regular occurrence. On our helpline and from people inquisitive about the cyber law, we get to hear this question a lot.

What to do if someone withdraws money from your account?

You can claim to get compensated if there is a precedent like your case available already. After that, you could file a complaint with the IT Adjudicator of your state or the State Consumer Forum. Both these bodies have given out orders to the tune of compensating the customers. In cases like Vidyawanti v. State Bank of India, Sudahanshu Karna v.