3G Technology have to be created the new generation ATM machine which can be operator without the ATM card. By using this system ATM machine is going to operate by using their SIM in the mobile phone. When the people insert their SIM in the reader unit of the ATM machine it transfers the mobile to the server. In server they can collect the related information of the mobile number (i.e.) the users account details, their photo, etc. the camera presented near the ATM machine will capture the users image and compare it with the user image in the server using MATLAB. Only when the image matches it asks the pin number and further processing starts.