5 Steps on using your ATM PIN when you shop with your Debit Card - Duration: HDFC Bank. Ukash is eMoney. You treat it exactly like cash but spend it online. Perfect if you don't have a credit or debit card or don't want to use your card to pay online. You are able to pay with currency, so notes and coins, or you can pay for a UKash voucher with a debit card. This is no different to how you would pay for goods.