Mastercard, NCR Atleos and ITCARD launch mobile ATM

By Vriti Gothi

Mastercard, NCR Atleos, and ITCARD have introduced a CDCVM-enabled ATM innovation that allows consumers to withdraw cash securely with just their mobile device, no card or PIN required, piloted in Poland ahead of a wider rollout in 2026.

As customers increasingly shift towards mobile wallets and biometric authentication, financial institutions face growing demand for faster, safer, and more intuitive service touchpoints. This breakthrough solution integrates the Consumer Device Cardholder Verification Method (CDCVM), enabling mobile-based biometric authentication before tapping an ATM, thereby streamlining transactions and eliminating unnecessary friction.

Traditionally, ATM withdrawals required both card insertion and PIN entry, with even mobile transactions often demanding dual verification. By aligning authentication entirely within the consumer’s mobile device, CDCVM creates a consistent and user-friendly experience across payment channels. Initial Mastercard testing in July 2025 indicates that CDCVM-enabled transactions at ATMs are, on average, 20% faster than conventional PIN-based withdrawals.

“This breakthrough marks a pivotal moment in the evolution of the consumer experience,” said Johan Gerber, EVP, Head of Security Solutions at Mastercard. “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.”

“We are thrilled to introduce this groundbreaking innovation that enables consumers to complete contactless, PIN-less transactions securely and effortlessly,” said Joe Gallagher, Senior Vice President, Products, NCR Atleos. “As a leading provider of self-service technology for almost 50 years, we have helped to deliver a significant portion of the over 86 billion ATM transactions per year, conducted globally. This marks a significant advancement in enhancing the convenience and speed of everyday transactions for financial institutions and their customers.”

“We’re redefining ATM withdrawals in Polandoffering a faster, secure, and seamless experience. With CDCVM, using an ATM becomes as simple as tapping your phone or card to pay in a shop,” said Jarosław Chrzanowski, CEO of ITCARD. “The introduction of CDCVM for ATM withdrawals in Poland marks a significant step forward in secure and user-friendly payments and reflects our commitment to enhancing everyday payment experiences.”