With digital payments becoming a daily habit in India, even traditional banking services are evolving rapidly. One such major change is the ability to withdraw cash from an ATM without using a debit or credit card. Thanks to UPI-based cardless cash withdrawal technology, users can now access money directly from ATM machines using popular apps like Google Pay, Paytm, PhonePe, Amazon Pay, and other UPI-enabled platforms.

This new feature, introduced through upgraded ATM infrastructure by NCR Corporation, is designed to make cash withdrawals simpler, faster, and more secure—especially during emergencies.

Here’s a detailed, step-by-step guide explaining how ATM cash withdrawal using UPI apps works and what you need to get started.

What Is UPI-Based Cardless Cash Withdrawal?

Traditionally, ATM withdrawals required a physical debit card and a PIN. However, the newly introduced Interoperable Cardless Cash Withdrawal (ICCW) system removes the need for cards altogether. Instead, it uses UPI authentication and QR code scanning, allowing users to withdraw money directly from their bank account through a UPI app installed on their smartphone.

This system is interoperable, which means it works across banks and UPI platforms, offering flexibility and convenience to users.

Why This Feature Is Useful

UPI-based ATM withdrawals can be extremely helpful in situations such as:

• When you forget or lose your debit card

• If your ATM card gets blocked or declined

• During emergencies when immediate access to cash is required

• For users who prefer cardless and contactless transactions

It also reduces the risk associated with card skimming and physical card theft.

Pre-Requisites for Withdrawing Cash Using UPI at an ATM

Before heading to the ATM, make sure you have the following:

• An ATM machine that supports UPI-based cash withdrawal

• A smartphone with a UPI payment app such as Google Pay, Paytm, PhonePe, or Amazon Pay

• A stable internet connection on your phone

• An active UPI ID linked to your bank account

• Your UPI PIN, which will be required to authorize the transaction

Step-by-Step Guide: How to Withdraw Money from an ATM Using UPI Apps

Follow these simple steps to withdraw cash without a debit card:

Step 1: Visit a UPI-Enabled ATM

Go to an ATM that supports cardless cash withdrawal using UPI. These ATMs clearly display the UPI withdrawal option on the screen.

Step 2: Select “Withdraw Cash”

On the ATM screen, choose the Withdraw Cash option.

Step 3: Choose UPI as the Withdrawal Method

Next, select UPI from the available withdrawal options shown on the screen.

Step 4: Scan the QR Code

A QR code will appear on the ATM screen.
Open your preferred UPI app on your smartphone and activate the QR code scanner.

Step 5: Enter Withdrawal Amount

After scanning the QR code, enter the amount you wish to withdraw.
Currently, the withdrawal limit is up to ₹5,000 per transaction (this limit may vary based on bank policies).

Step 6: Authenticate Using UPI PIN

Tap on Proceed, then enter your UPI PIN to authorize the transaction.

Once the verification is successful, the ATM will dispense the cash instantly.

Important Things to Keep in Mind

• Transaction limits may vary depending on your bank and ATM provider

• Ensure no one is watching while entering your UPI PIN

• Always collect your cash before leaving the ATM

• Check your transaction status in the UPI app after withdrawal

The Future of ATM Withdrawals in India

UPI-based ATM withdrawals are another step toward India’s growing digital banking ecosystem. As more ATM machines across the country get upgraded, cardless withdrawals are expected to become widely available. This move not only enhances user convenience but also aligns with the push toward secure, contactless financial transactions.

Final Thoughts

With the introduction of UPI-powered cardless cash withdrawals, accessing money has become easier than ever. Whether you use Google Pay, Paytm, PhonePe, or any other UPI app, you no longer need to rely solely on your debit card. By following the steps outlined above, you can withdraw cash quickly, safely, and hassle-free—directly from an ATM using your smartphone.

As UPI adoption continues to grow, features like these are set to redefine everyday banking in India.