The present invention concerns a system and method for electronic money withdrawal. This operation is implemented by a transfer of electronic money from the user electronic wallet to a money distribution authority, typically a bank. Advantageously, a strong authentication occurs previously with the bank. The transfer includes the ATM identifier. A delivery identifier is delivered to the user. The user is then goes to the ATM and proceeds to the withdrawal with its GSMT id and delivery id. Accordingly a robust and reliable withdrawal is possible. It may be actually done at the ATM without the mobile device handling the electronic wallet.