Automated ATM transactions are secure, reliable and unavoidable these days to meet our financial commitments. The traditional approach to using ATM mandates involves the debit card. But nevertheless, people experience times when their account lacks amount of balance or they forget to carry the card and struggle to complete the transaction. We know that, in parallel with the use of the ATM, the use of mobile phones has also been an inevitable trend. Establishing a connection between these e-gadgets has ignited a simple and effective approach to withdrawing cash without the participation of the debit card which can be referred to as minus cash withdrawal card. This work may even be convenient than the National Electronic Funds Transfer (NEFT). Our proposed approach addresses the situation through the short message service (SMS) using mobile phones, establishing the connection to GSM devices to obtain the one-time password (OTP) to provide timely service to the target beneficiary.