UPI ATM Cash Withdrawal: A Comprehensive Guide

Tired of fumbling for your debit card at the ATM? Well, say hello to UPI ATM cash withdrawal! This nifty feature lets you grab cash without swiping a card, all thanks to your trusty UPI app. This guide will walk you through the simple steps, show you why it’s so handy, and give you the inside scoop on using it like a pro. Get ready for a more straightforward way to get cash!

What is UPI ATM Cash Withdrawal?

UPI, the super-fast payment system on your phone, has just leveled up! Now, it can get you actual cash from ATMs too. UPI ATM cash withdrawal: Use your UPI app to withdraw money transfer without needing your physical card.

Here’s the magic behind it: the ATM and your UPI app have a little chat. You’ll see a QR code on the ATM screen when you want to withdraw. Just whip out your phone, scan that code with your favorite UPI app (think Google Pay, PhonePe, or Paytm), and punch in your usual UPI PIN to say, “Yes, that’s you!” Sometimes, you can get a one-time password (OTP) on your app to enter the ATM to be extra safe. Once everything checks out, the ATM spits out your cash.

To jump on this cardless cash bandwagon, all you need is your regular bank account linked to a UPI app and to find an ATM that supports UPI withdrawal. It’s all about making things easier and safer, especially when you’ve left your wallet at home. This is a big leap in making our digital lives even more convenient!

How to Withdraw Cash via UPI at an ATM : Step-by-Step Guide

Withdrawing cash using UPI at an ATM is a convenient and quick process. Follow these steps:

1. Find UPI Cash Withdrawal Option: Look for the “UPI Cash Withdrawal” option on the ATM screen. It is usually located alongside the standard withdrawal options.
2. Select Withdrawal Amount: Choose the amount you wish to withdraw from the options displayed on the screen.
3. Scan QR Code via UPI App: The ATM will display a QR code. Open your UPI app (like Google Pay, PhonePe, or Paytm) on your smartphone and use the scan feature to scan the QR code shown on the ATM screen.
4. Enter UPI PIN: After scanning, your UPI app will prompt you to enter your UPI PIN to authorize the transaction. Enter your PIN correctly.
5. Collect Cash: The ATM will dispense the cash once the PIN is entered correctly. Collect your money and the transaction slip.

These steps will help you with a card-less cash withdrawal option, making it easier and faster to access your money.

UPI ATM Cash Withdrawal Benefits

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  Convenience: Users can initiate cash withdrawals directly from their UPI-linked mobile applications, eliminating the need to carry their physical cards at all times.

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  Accessibility: This feature extends access to cash withdrawal facilities, particularly for individuals who may have forgotten their cards or prefer cardless transactions.

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  Security: UPI’s robust security framework, including transaction PINs and biometric authentication (where applicable), ensures secure cash withdrawals, mitigating the risks associated with card skimming.

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  No need for a physical card: Relying on a mobile phone to initiate the transaction removes the vulnerability of losing or damaging a physical card.

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  Instant Transactions: The withdrawal process is quick and efficient, mirroring the speed and ease of regular UPI payments.

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  Cash Withdrawals from Multiple Accounts: Users linked to multiple bank accounts via UPI can select the desired account for cash withdrawal at the ATM.

Key Features of UPI-Enabled ATMs

UPI-enabled ATMs represent a significant advancement in banking convenience, offering several key features:

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  Cardless Transactions: A primary feature is the ability to withdraw cash without a physical debit or credit card. Users can initiate the withdrawal process on their mobile UPI application and authenticate it at the ATM.

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  Real-time Processing: Transactions conducted through UPI on ATMs benefit from the real-time processing capabilities of the Unified Payments Interface. This ensures swift debiting of funds from the linked bank account and immediate cash dispensing.

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  Cross-bank Compatibility: UPI’s inherent interoperability extends to ATMs. Users from any bank with a UPI-enabled application can typically utilize UPI-enabled ATMs of other banks, fostering greater accessibility.

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  Multiple Security Layers: These ATMs incorporate the robust security features of the UPI ecosystem, including device binding, UPI PIN authentication, and transaction limits, providing a secure environment for cardless cash withdrawals.

These features collectively enhance user convenience, accessibility, and security in ATM transactions, aligning with India’s growing adoption of digital payments.

UPI ATM Transaction Limits and Charges (2025 Update)

The Unified Payments Interface (UPI) has extended its reach to ATMs, offering a new avenue for cash withdrawals. Here’s an overview of the transaction limits and associated charges as of 2025:

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  Withdrawal Limit: The per-transaction limit for UPI-based ATM withdrawals is currently capped at ₹10,000. Financial institutions may also impose their daily withdrawal limits, which could be lower than this per-transaction cap. Users are advised to check with their respective banks for specific daily limits.

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  Fees/Charges: As of this update, standard UPI transactions between individuals and merchants generally do not attract charges. However, the applicability of fees to UPI ATM withdrawals is evolving.

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  ATM Withdrawal Fees: Banks may levy a nominal fee for UPI-based ATM withdrawals, particularly beyond a certain number of transactions within a stipulated period. Furthermore, these charges could differ based on whether the ATM belongs to the user’s bank or is a third-party ATM. You should consult your bank’s schedule of charges for the most accurate information regarding UPI ATM withdrawal fees.

Users are encouraged to stay updated on any revisions to these limits and charges as announced by the National Payments Corporation of India (NPCI) and their respective banks.

Which Banks Offer UPI ATM Cash Withdrawal Services?

UPI ATM cash withdrawal is a facility that allows users to withdraw cash from ATMs without using a physical debit or credit card. This is done by authenticating the transaction using a UPI-enabled mobile application. Here is a list of banks that currently offer this service:

Note: ‘Live’ indicates the bank fully offers the service, while ‘Pilot Live’ suggests a trial or partial rollout. The ‘-‘ means the information is not explicitly available in the provided data.

Hitachi Payment Services is explicitly mentioned as a partner whose ATMs support UPI cash withdrawals. However, since the service is interoperable, customers of the ‘Issuer’ banks listed above can generally use any ATM of the ‘Acquirer’ banks enabled for UPI ATM withdrawals, regardless of the ATM brand. Look for the “UPI Cash Withdrawal” option on the ATM screen.

UPI ATM Withdrawals vs. Cardless ATM Withdrawals: Key Differences

UPI ATM and traditional cardless ATM withdrawals offer alternatives to a physical debit or credit card. However, they differ in their underlying mechanisms and functionalities. Here’s a breakdown of the key distinctions:

Traditional Cardless ATM Withdrawals involve initiating a withdrawal request through the bank’s mobile application or website. Subsequently, the ATM transaction is authenticated using methods like:

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  QR Code Scanning: The user scans a QR code displayed on the ATM screen using their bank’s app.

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  SMS OTP (One-Time Password): The bank sends an OTP to the registered mobile number, which the user enters at the ATM.

Key Differences:

Conclusion

UPI ATM cash withdrawal is a game-changer in digital banking, offering users a secure, convenient, and cardless way to access cash. As more banks and ATMs adopt this feature, it marks a significant step toward a more seamless and digitally empowered financial future.

FAQ's

Is UPI ATM cash withdrawal available at all ATMs?

UPI ATM cash withdrawal is not available at all ATMs; only UPI-enabled ATMs of participating banks offer this service. To identify such machines, look for the ‘UPI Cash Withdrawal’ option on the ATM screen.

What is the daily limit of UPI ATM?

Your bank typically sets the daily limit for UPI ATM withdrawals, which may range from ₹5,000 to ₹10,000, with a per transaction limit of ₹10,000, aligning with general UPI limits. It’s best to confirm the specific limit with your bank.

Can I withdraw cash without an ATM card?

Yes, you can withdraw cash without an ATM card at UPI-enabled ATMs by selecting the ‘UPI Cash Withdrawal’ option, scanning the QR code displayed on the screen with a UPI app, and authenticating your UPI PIN.

How to find a UPI cash withdrawal ATM near me?

To find a UPI cash withdrawal ATM near you, look for ATMs displaying the ‘UPI Cash Withdrawal’ option on their screens, usually found at the bottom right or top left corner. Keep an eye out for specific signage indicating UPI support.

Can I use Google Pay to withdraw money from an ATM?

You can use Google Pay to withdraw money from a UPI-enabled ATM by selecting the UPI cash withdrawal option, scanning the QR code with your Google Pay app, and entering your UPI PIN to authorize the transaction.

What ATM accepts Google Pay?

ATMs that support UPI cash withdrawals accept Google Pay for this purpose. Look for the ‘UPI Cash Withdrawal’ option on the ATM screen, which allows transactions via any UPI-enabled app like Google Pay.

When did UPI ATM Launched?

India’s first UPI ATM was launched in Mumbai (India) on September 5, 2023, marking the beginning of cardless cash withdrawals using the Unified Payments Interface.

Can I use the BHIM app for UPI ATM cash withdrawals?

Yes, you can use the BHIM app to make UPI ATM cash withdrawals. Select the UPI cash withdrawal option on a compatible ATM, scan the QR code displayed with the BHIM app, enter your UPI PIN, and collect your cash.

Difference between Cardless cash withdrawal vs UPI-ATM withdrawals?

The key difference lies in the authentication method: cardless cash withdrawal often uses mobile numbers and OTPs, whereas UPI ATM withdrawals utilize QR codes scanned via a UPI application for authentication, offering a more streamlined process.