HalCash sends a cash order to a mobile number for collection at a participating ATM. Its official use-cases page describes payouts of gaming winnings and account funds. The recipient collects banknotes using the order details, without a bank card or a bank account.

The sender creates the order through a connected bank or a platform offering HalCash. For a gaming payout, the operator issues the order under its withdrawal terms. The operator's approval process comes before ATM collection.

Our Payments overview explains other bank, card and wallet payment methods.

The sender specifies the recipient's phone number, an amount and a secret key. HalCash sends an SMS reference, the amount and the validity information to the recipient. The sender communicates the secret key separately.

To collect the money, use the HalCash option at an ATM connected to the network. Enter the recipient's phone number, amount, SMS reference and secret key. The machine then dispenses the cash. Use the official ATM locator to find a collection point.

A smartphone and mobile data are unnecessary for this collection process. Keep the two codes private and retain the payment record.

The secret key and SMS reference each contain four digits. The sender or its bank sets the secret key; HalCash generates the SMS reference. Both are needed at the machine.

HalCash's Spanish-service FAQ publishes these amounts:

Some ATMs lack €10 notes. HalCash's recipient app provides a remaining-limit check.

Collect the order before the expiry date in the SMS: the date itself is excluded. Expired, cancelled or blocked orders return to the sender, with bank processing taking around two days and longer over weekends or holidays. Request a replacement from the sender after expiry.

HalCash states that collection is free for the recipient. Sending banks set their own fees per order. A casino's payout charges and approval schedule belong to its own withdrawal terms.

The cash-order process pays money to a recipient. Depositing money into a casino is a separate transaction governed by the deposit method selected in its cashier.

Start with the sender when an expected SMS does not arrive. HalCash's recipient FAQ recommends checking that the order exists and that the phone can receive the message. The sender can raise a banking incident when the order has been issued but delivery still fails.

At the ATM, compare all four requested details with the order. Use the full order amount, rather than entering a smaller sum as though it were an ordinary account withdrawal. If the machine cannot dispense the required notes, use another participating ATM with suitable denominations.

Keep the casino withdrawal reference as well as the HalCash order information. They identify different stages: approval and issue by the operator, followed by collection of the cash order. Give support the stage that failed and the time of the attempt; keep the secret codes out of public messages.

HalCash ends in cash collection, whereas a bank payout credits an account. An ATM visit and the SMS validity window are therefore part of planning a HalCash collection. Bankinter's own HalCash instructions likewise require the phone number, exact amount and two security codes, and state that the recipient needs neither its bank card nor an account with the bank.

Keep the sender's secret key and the HalCash reference private. The two-key collection process protects access to the cash order, but it does not assess the gaming operator or replace its account checks. Use the sender's official support channel when discussing a failed collection.

A bank transfer sends money between accounts and provides a banking reference. A card payment uses the card issuer's authorisation process. An electronic wallet holds a separate payment balance, so loading it and paying a merchant are distinct operations. Compare the route available in the casino with the destination offered for winnings.

Use the following checklist with the terms for the actual account and transaction:

• The exact product and legal provider named in the checkout.
• The country and currency covered by the payment instructions.
• The separate deposit and withdrawal destinations.
• The minimum and maximum amounts for the selected operation.
• Charges for funding, conversion and receiving the payment.
• The approval stage, transfer stage and references used to trace them.
• Identification and account-ownership documents requested through official channels.

Keep the relevant terms and payment confirmation with the transaction record. That gives support the original information for the order being discussed, including the product name used at the time.