Commonwealth Bank in Australia does something like that. They have a feature in their iOS/Android app that lets you withdraw cash without a card. It generates

Commonwealth Bank in Australia does something like that. They have a feature in their iOS/Android app that lets you withdraw cash without a card. It generates a code on the phone and also sends you a 4 digit code via sms. Then you enter both codes to their nearest atm. Good for when you've forgotten your card or the atm looks dodhy.