In an era of the digital world, carrying of ATM cards should no more be a restriction to withdraw the money. A simple SIM card would do the needful replacing the necessity of a physical ATM card to access an ATM. When the ATM card holder is out of station or unable to locate his ATM card and if any cash payments are to be done urgently, then he can withdraw the cash himself or by sending any executive on his behalf to the nearest ATM, can insert their SIM card in the machine, type the password and the requisite amount and then the money can be withdrawn without using the ATM card. In short, this project will deliver faster and easier cash withdrawal from the ATM without the use of ATM card.