Mastercard, in collaboration with NCR Atleos and ITCARD, has launched a pilot in Poland enabling consumers to withdraw cash and access other ATM services using their mobile phones, without the need for a PIN.
Traditionally, ATMs require users to insert or tap a card and enter a PIN before dispensing cash.
The new system uses the Consumer Device Cardholder Verification Method (CDCVM), which verifies a cardholder’s identity through their mobile device. Users authenticate themselves on their phone before tapping at the ATM, eliminating the need for a physical card or PIN.
“By enabling biometric mobile authentication at ATMs, we are redefining the consumer experience, simplifying it without sacrificing security. Together with our partners, we are making everyday financial interactions safe and more intuitive for everyone,”
said Johan Gerber, EVP, Head of Security Solutions, Mastercard.
CDCVM aligns the verification process across devices, reducing friction and accelerating transactions.
Initial testing by Mastercard in July found that contactless ATM transactions using CDCVM were on average over 20% faster than those requiring a PIN.
Joe Gallagher, Senior Vice President, Products, NCR Atleos, said:
“We are thrilled to introduce this innovation that enables consumers to complete contactless, PIN-less transactions securely and effortlessly. This marks a significant advancement in enhancing the convenience and speed of everyday transactions for financial institutions and their customers.”
The CDCVM solution is currently being piloted in Poland and is expected to roll out across all markets in 2026.
Featured image credit: Edited by Fintech News Switzerland, based on image by EyeEm via Freepik
