“Cash by code” is service which allows sending money through an ATM to a person who is not cardholder. This service is an easy, fast, convenient and secure way of money transfer by bank’s customer via ATM in 7/24 mode and the receipt of money by a person who does not have a bank card.

To send the money it is required to select “Cash by code” service from standard menu of ATM. Further, the sender enters mobile number of the recipient and the amount of the transfer.

ATM generates a special two-part code – the second part is getting printed for the sender and the first part is getting sent by SMS to the recipient. Asking a second part of the code from the sender and receiving the first part by SMS, the recipient simply clicks the appropriate button on the ATM, enters received code and gets sent money. The generated code is active for 24 hours.

To perform this operation receiver does not need for a card.