Cash missing from an ATM withdrawal can feel confusing and upsetting. It may be hard to know what to do next. There are a few sensible first steps you can take that may help.

Why This Situation Matters

Missing cash can be inconvenient and disrupt plans. It may affect your account balance or budgeting. Taking a few calm steps can make it easier to sort things out and to get a clear answer.

What to Do Immediately

1. Stay nearby if it feels safe — Pause for a minute to check the screen and the dispenser.
2. Look at the ATM screen — The machine may show a message about your transaction.
3. Check your receipt or on-screen record — Note any transaction ID, time, and amount shown.
4. Check your account balance or app — See if the withdrawal shows as pending or posted.
5. Wait a short time — Some machines may delay cash or update account status after a few minutes.

Things to Avoid

• Do not reach inside the machine or try to pull cash from the dispenser.
• Do not re-enter your PIN repeatedly or try the same withdrawal again right away.
• Do not share your PIN or full card details with anyone who approaches you.
• Do not post the incident and your card details publicly or on social media.
• Do not leave without noting key details like time, ATM location, and any receipt information.

What to Do Next

Calmly record the details of what happened. Keep any receipts and note the ATM location, time, and the amount you tried to withdraw. Check your bank app or online account for any pending or posted charges over the next day. Contact your bank or card issuer using the official phone number on the back of your card or on your bank’s website. If you were at a bank branch, you may wish to speak with staff in person.

When to Get Professional Help

Professional help may be appropriate if the issue continues or more money is taken from your account. Contact your bank’s customer support or visit a branch to report the problem and ask about a disputed transaction. If you suspect theft or fraud, contacting law enforcement may be an option. If you ever feel unsafe at the ATM, move to a safe place and seek help.

Quick Summary

• Stay calm and check the ATM screen and any receipt.
• Check your account on your banking app or online.
• Note the time, location, and transaction details before contacting your bank.
• Reach out to bank support or law enforcement if the problem continues or you suspect fraud.

About the Author

Situation Guide Editorial Team

The Situation Guide editorial team writes clear, practical guides for common real-world situations. Content focuses on safe first steps, plain-language explanations, and helping readers recognise when professional help may be appropriate. This guide provides general information only and is not a substitute for personalised professional advice. Specific circumstances can vary.