We have seen an increase use of technology in contactless payment card as well as access cards that make the same Mifare technology. However, it has been shown that such a technology is carrying serious security flows that allow card cloning by suing a simple personal laptop. The use of mobile handheld devices is expanding rapidly within both the usiness and individual contexts. These devices are now essential tools that offer competitive usiness advantages in today’s growing world of ubiquitous computing environments. The echnology advancement has made it possible to embed more facilities in mobile phones.While they provide benefits, they also pose new risks on security by either the information they contain or information that they can access remotely. Secure cash transaction is of serious concerns in growing use of cash cards and internet transactions. Cash withdrawal card, chip and pin facilities have increasingly been used for business and social activities. This paper will propose the concept of physical browsing and development of a system that will allow users to use their mobile phones to securely withdraw cash from ATM machines. The paper presents the architecture for the M-Cash withdrawal application, discusses relevant technologies and security issues, and provides an analysis of relevant procedures and steps for fully implementing the application.