The invention discloses a card-less withdrawal method, a related device and a system. The method includes the following steps that: an information processing device installed at a user terminal sends first withdrawal information to a server for transaction processing; a self-service equipment terminal system transmits second withdrawal information inputted by a user to the server; and the server performs transaction processing according to the first withdrawal information and the second withdrawal information, wherein the first withdrawal information and the second withdrawal information form complete withdrawal information, and the first withdrawal information contains card information. The card-less withdrawal method is applicable to a variety of bank IC cards. With the method adopted, IC card real-object security authentication-based card-less withdrawal can be realized, the security characteristics of the IC cards are fully utilized; and the operation of the user on self-service equipment can be simplified, and the use efficiency of the equipment can be improved.