With rapid digital transformation in banking, customers can now withdraw cash from ATMs without using a debit or ATM card. Using the Unified Payments Interface (UPI), users can simply scan a QR code with their smartphone and complete the withdrawal securely.

Several banks in India have started enabling the UPI Cash Withdrawal feature on ATMs, making the process easier and reducing the risk of frauds such as card cloning and skimming.

What Is UPI Cash Withdrawal?

UPI-based ATM withdrawal is a digital banking facility that allows customers to withdraw money directly from an ATM using a UPI-enabled mobile app instead of a physical debit card.

When the user selects the UPI Cash Withdrawal option on the ATM screen, the machine generates a QR code. The customer scans this QR code using a UPI app such as PhonePe, Google Pay, or Paytm, enters the UPI PIN, and the ATM dispenses the requested amount.

Key Benefits of UPI ATM Withdrawal

• No need to carry a debit card

• Reduced risk of card cloning or skimming

• Faster and more convenient process

• Secure authentication through UPI PIN

Even if your debit card is lost or forgotten, you can still withdraw cash using your mobile phone.

Step-by-Step Process to Withdraw Cash via UPI

1. Visit an ATM that supports UPI Cash Withdrawal.

2. Select the UPI Cash Withdrawal option on the ATM screen.

3. Enter the amount you want to withdraw.

4. A QR code will appear on the screen.

5. Open your UPI app and scan the QR code.

6. Enter your UPI PIN on the phone to authorize the transaction.

7. After confirmation, the ATM will dispense the cash.

Most ATMs currently allow withdrawals of ₹5,000 to ₹10,000 per transaction through this method.

SBI’s Cardless Withdrawal via YONO App

Customers of State Bank of India can also withdraw cash without a debit card using the YONO SBI app. This service is known as YONO Cash.

Here’s how it works:

• Log in to the YONO SBI app.

• Select the YONO Cash option.

• Enter the withdrawal amount.

• Generate a 6-digit reference number and PIN.

• Visit an SBI ATM and enter these details to withdraw the cash.

Using this facility, customers can withdraw up to ₹20,000 per transaction at designated SBI ATMs and YONO Cash points.

Important Things to Remember

• The ATM must support UPI-based cash withdrawal.

• Your phone must have an active UPI app.

• A stable internet connection is required.

• Ensure your UPI PIN remains confidential for security.