Consumer & Retail Banking

Consumer & Retail Banking
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2026-08-28

Cardless Cash Withdrawal at Bank Muamalat? Try Indomaret, Alfamart, or the Post Office

Need cash but do not have your ATM card with you? Bank Muamalat customers now have several convenient ways to withdraw cash without an ATM or debit card.

Through the Muamalat DIN mobile banking app, customers can make cardless cash withdrawals at Indomaret, Alfamart, and Pos Indonesia post office outlets. This gives you more options when you need cash without having to look for a Bank Muamalat ATM or carry your debit card.

Each withdrawal channel has its own transaction limits, fees, and procedures. So, how does Bank Muamalat cardless cash withdrawal work? Here is everything you need to know.

Can You Withdraw Cash Without a Card at Bank Muamalat?

Yes. Bank Muamalat offers a cardless cash withdrawal service through Muamalat DIN, allowing customers to withdraw money from their accounts through participating merchants and partners.

Currently, cardless cash withdrawals are available through:

Indomaret
Alfamart
Pos Indonesia post office outlets

You do not need an ATM or debit card to use the service. Simply initiate the transaction through Muamalat DIN, then collect the cash at your selected merchant or outlet.

For Indomaret, customers can initiate a cash withdrawal through Muamalat DIN and receive a Token ID to complete the transaction at the cashier.

A similar service is available at Alfamart stores across Indonesia. Customers can initiate the transaction directly from the Muamalat DIN app and use the generated token to collect their cash.

Another option is Pos Indonesia. Through Bank Muamalat's partnership with PT Pos Indonesia, customers can access both cash withdrawal and cash deposit services at post office outlets across Indonesia.

Bank Muamalat Cash Withdrawal at Indomaret

One convenient option for Bank Muamalat cardless cash withdrawal is through Indomaret.

The service allows you to initiate a withdrawal from your Bank Muamalat account through Muamalat DIN and then collect the cash at an Indomaret store.

Indomaret Cash Withdrawal Fees and Limits

The following terms apply to Bank Muamalat cash withdrawals at Indomaret:

Administration fee: Rp5,000 per transaction
Minimum withdrawal: Rp50,000
Maximum withdrawal: Rp1,000,000 per transaction
Daily withdrawal limit: Rp1,000,000
Token validity: 60 minutes
Availability: Indomaret stores across Indonesia

Make sure to check the transaction details before confirming your withdrawal and use the Token ID within its validity period.

How to Withdraw Bank Muamalat Cash at Indomaret

Here is how to make a cardless cash withdrawal at Indomaret using Muamalat DIN:

Open the Muamalat DIN app.
Log in to your Muamalat DIN account.
Select Cash Withdrawal.
Select Indomaret as the merchant.
Choose the amount you want to withdraw.
Follow the verification process in the app.
Once the transaction is successfully created, you will receive a Token ID.
Visit an Indomaret store and tell the cashier that you would like to make a Bank Muamalat cash withdrawal.
Show your Token ID to the cashier for processing.
Once the transaction is completed, you will receive your cash and transaction receipt.

The cashier can scan the token or process it by entering the required token and transaction information.

Since the Token ID has a limited validity period, it is best to visit an Indomaret store and complete your withdrawal shortly after initiating the transaction.

Bank Muamalat Cash Withdrawal at Alfamart

Bank Muamalat customers can also make cardless cash withdrawals at Alfamart using Muamalat DIN.

The service is available at Alfamart stores across Indonesia and does not require an ATM or debit card.

Alfamart Cash Withdrawal Fees and Limits

The following terms apply to Bank Muamalat cash withdrawals at Alfamart:

Administration fee: Rp5,000 per transaction
Minimum withdrawal: Rp50,000
Maximum withdrawal: Rp1,000,000 per transaction
Maximum transaction frequency: 100 transactions per day, subject to the applicable transaction limits set by Bank Muamalat
Token validity: 60 minutes
Service hours: according to the operating hours of each Alfamart store
Availability: Alfamart stores across Indonesia

If the withdrawal is not completed within 60 minutes, the amount that has been debited will automatically be returned to the customer's account.

How to Withdraw Bank Muamalat Cash at Alfamart

Follow these steps to withdraw cash at Alfamart through Muamalat DIN:

Open the Muamalat DIN app.
Log in to your account.
Select Cash Withdrawal.
Select Alfamart Cash Withdrawal.
Choose your withdrawal amount.
Select Continue.
Enter your TIN to verify the transaction.
Once the transaction is successful, use the generated token to collect your cash at an Alfamart store.

Remember that the Alfamart cash withdrawal token is valid for 60 minutes after the transaction is initiated through Muamalat DIN.

Bank Muamalat Cash Withdrawal at Pos Indonesia

Cardless cash withdrawal is not limited to convenience stores. Bank Muamalat customers can also withdraw cash through Pos Indonesia post office outlets.

This can be a practical alternative for customers who have easier access to a nearby post office. The service is available through Pos Indonesia's network of post office outlets across the country.

Unlike Indomaret and Alfamart, which use a token, withdrawals through Pos Indonesia use a Warrant Number (Nomor Warkat) and PIN generated after initiating the transaction through Muamalat DIN.

Pos Indonesia Cash Withdrawal Fees and Limits

The following terms apply:

Administration fee: Rp5,000 per transaction
Minimum withdrawal: Rp50,000
Maximum withdrawal: Rp2,000,000 per transaction
Daily withdrawal limit: Rp10,000,000
Warrant Number and PIN validity: 60 minutes
Service hours: Monday to Sunday, according to the operating hours of each post office outlet

Compared with the convenience store options, Pos Indonesia offers a higher maximum withdrawal amount of Rp2 million per transaction, with a daily limit of up to Rp10 million.

How to Withdraw Bank Muamalat Cash at a Post Office

To withdraw cash at a Pos Indonesia outlet, start by initiating the transaction through Muamalat DIN.

Once the transaction is successfully created, you will receive a Warrant Number and PIN. You can then use these details to complete your cash withdrawal at a participating post office outlet.

Keep in mind that the Warrant Number and PIN are valid for only 60 minutes after the transaction is initiated through Muamalat DIN. It is therefore best to initiate the transaction when you are ready to visit the post office.

You Can Also Deposit Cash at Pos Indonesia

Pos Indonesia offers another useful feature for Bank Muamalat customers. In addition to cash withdrawals, customers can also deposit cash into a Bank Muamalat account through Pos Indonesia post office outlets.

For cash deposits, you do not need to initiate the transaction through Muamalat DIN. Simply visit a post office outlet and bring an Indonesian ID card (KTP) that matches the name of the account holder receiving the deposit.

The following terms apply to Bank Muamalat cash deposits at Pos Indonesia:

Administration fee: Rp3,000 per transaction
Minimum cash deposit: Rp50,000
Maximum cash deposit: Rp10,000,000 per transaction
Daily cash deposit limit: Rp100,000,000

This makes Pos Indonesia another convenient option for customers who need access to both cash withdrawal and deposit services.

Indomaret vs. Alfamart vs. Pos Indonesia: What Is the Difference?

To help you choose the most suitable option, here is a quick comparison of Bank Muamalat's cardless cash withdrawal channels:

Feature	Indomaret	Alfamart	Pos Indonesia
Uses Muamalat DIN	Yes	Yes	Yes
ATM/debit card required	No	No	No
Administration fee	Rp5,000	Rp5,000	Rp5,000
Minimum withdrawal	Rp50,000	Rp50,000	Rp50,000
Maximum per transaction	Rp1,000,000	Rp1,000,000	Rp2,000,000
Code validity	60 minutes	60 minutes	60 minutes
Transaction credential	Token	Token	Warrant Number & PIN
Cash deposit available	No	No	Yes

Each channel has different terms and transaction limits. If you only need a relatively small amount of cash, Indomaret or Alfamart may be convenient options. If you need to withdraw a larger amount or want access to cash deposit services, Pos Indonesia may better suit your needs.

Tips for Safe Cardless Cash Withdrawals

Cardless withdrawals are convenient, but keeping your transaction information secure is still essential. Here are a few things to keep in mind:

Keep your token, PIN, and TIN confidential. Never share confidential transaction details with anyone who does not need them to process your withdrawal.
Initiate the transaction only when you are ready to withdraw the cash. Tokens, Warrant Numbers, and PINs have a limited validity period.
Check the withdrawal amount carefully before confirming the transaction in Muamalat DIN.
Use the official Muamalat DIN app. Avoid accessing your account through unfamiliar links, websites, or applications.
Keep your transaction receipt until you have confirmed that the amount received and your account balance are correct.

Enjoy More Flexible Cash Access with Muamalat DIN

There are times when you still need physical cash, even when most of your daily transactions are already digital. With Bank Muamalat's cardless cash withdrawal service, you have more ways to access money from your account without relying on an ATM or debit card.

Through Muamalat DIN, you can initiate a cardless withdrawal and collect your cash at Indomaret, Alfamart, or Pos Indonesia post office outlets, depending on which option is most convenient for you.

For larger withdrawal needs, Pos Indonesia allows withdrawals of up to Rp2 million per transaction and Rp10 million per day. Customers can also use Pos Indonesia to deposit up to Rp10 million per transaction into a Bank Muamalat account.

So, the next time you need cash but do not have your ATM card with you, simply open Muamalat DIN, select the cash withdrawal service, and choose the available channel that works best for you.

For more information about Bank Muamalat services and Muamalat DIN, contact SalaMuamalat at 1500016.

Cardless Cash Withdrawal at Bank Muamalat? Try Indomaret, Alfamart, or the Post Office

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