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Send cash stating only receiver's mobile number Withdraw cash without using a card

IMT through Internet Banking and ATM

  • To send an IMT to a receiver, all you need is the receiver's mobile phone number.

    Axis Bank has partnered with following Banks from/to which IMT transactions can be withdrawn or initiated

    • Axis Bank
    • State Bank of India
    • Bank of India
    • Punjab National Bank

    You can send cash to a receiver by following the below mentioned process:

    Axis Bank customers can login to Axis Bank Internet Banking and initiate IMT. Customers can register beneficiaries by entering the beneficiary's name, mobile number and address. This beneficiary registration is a one-time process. Once a beneficiary is successfully registered, IMT can be initiated by entering the amount to be transferred and setting a sender's code. (The beneficiary would need this code to withdraw cash from the ATM).

    As soon as an IMT is issued the Beneficiary receives an SMS on his or her mobile number containing the details of the IMT. The details present in the SMS are:

    • The IMT amount
    • SMS Code (Axis Bank will generate this and send to the beneficiary)
    • IMT ID (a unique code which can be used to refer your IMT transaction)
    • IMT Expiry date

    The beneficiary can withdraw the IMT from any ATMs of Axis Bank, Bank of India and Laxmi Vilas Bank The beneficiary has to select IMT > WITHDRAW IMT and provide following details :

    • Mobile number on which he or she has received the IMT details
    • The Sender's code
    • The SMS Code
    • The IMT amount
    On validation of the above-mentioned details, the cash will be dispensed from the ATM.

    The sender can cancel an IMT issued by him or her at an Axis Bank ATM. To cancel an IMT, the sender needs to select IMT > CANCEL IMT and provide the IMT ID to cancel the IMT. This IMT ID is given to the sender during the initiation of the IMT transaction (IMT ID is printed on the ATM receipt and is also sent as an SMS to the sender's mobile number, if provided).

    The sender can check the IMT issued by him or her at an Axis Bank ATM. To check the status of an IMT, the sender needs to select IMT > STATUS ENQUIRY and provide the IMT ID. This IMT ID is given to the sender during the initiation of the IMT transaction (IMT ID is printed on the ATM receipt and is also sent as an SMS to the sender's mobile number, if provided).

    The following limits exist for IMT transactions:

    • Sender limit
      • Rs. 10,000 per transaction
    • Receiver limit (checked on his or her mobile number)
      • Rs. 25,000 per month

    IMT through ATM

    Initiating the IMT

    An Axis Bank customer can initiate cash transfer from Axis Bank ATM by providing receiver's mobile number, amount to be sent and setting the Sender's code. (Beneficiary would need this code to withdraw cash from ATM).

    Withdrawal of IMT

    Beneficiary can choose to make a cardless withdrawal or withdraw the cash using his/her debit card. The beneficiary can withdraw the IMT from any ATMs of Axis Bank, Bank of India and Laxmi Vilas Bank The beneficiary has to select IMT > WITHDRAW IMT and provide following details :

    • Mobile number on which he or she has received the IMT details
    • The Sender's code
    • The SMS Code
    • The IMT amount

    On validation of the above-mentioned details, the cash will be dispensed from the ATM.

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