Can I withdraw cash using UPI if I forget my debit card?

Yes, you can withdraw cash using UPI even if you forget your debit card.

Which UPI apps support cash withdrawals?

Apps like Google Pay, PhonePe, and Paytm allow cash withdrawals using UPI.

Do I need to have a UPI PIN set up to withdraw cash?

Yes, you need to have a UPI PIN set up to authorise the cash withdrawal transaction.

How long does a UPI cash withdrawal take?

The cash withdrawal process is quick, and you should receive the cash within a few minutes.

Can I withdraw cash from any ATM using UPI?

No, not all ATMs support UPI cash withdrawals. Look for ATMs that display the UPI logo.

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How To Withdraw Money From ATMs Using UPI?

Alankar Mishra

Author

Updated: 02-04-2025 at 3:30 PM

Towards the making of a digital India and digitised payment, a new step has been taken with UPI-integrated cash withdrawal, which is also known as a UPI ATM. This new technology was unveiled in September 2023 at the Global Fintech Festival, which was held in Mumbai.

The United Payments Interface, or UPI, has become a cornerstone in every Indian citizen's life. After completing its 7th year in our nation, it has become India’s fastest-growing payment method and has shifted the financial landscape of India by a completely huge margin.

Read the article to learn more about the UPI ATM, ranging from its functions and features to the process of withdrawal using the new service.

Overview

Name of the service	UPI-ATM
Full form	Unified Payments Interface - Automated Teller Machines
Launched by	NPCI
Objective	User can withdraw money from the ATM using their UPI apps
Used technology	Interoperable Cardless Cash Withdrawal (ICCW)
Authenticated by	UPI PIN

What Is UPI-ATM ‘Interoperable Cardless Cash Withdrawal’ (ICCW)?

It is a new machine that eliminates the need to carry a physical bank card for withdrawal. Instead, through this new service, the user can withdraw money from the ATM using their UPI apps on their mobile devices to withdraw cash directly. However, for this to work, please ensure that both your bank and the ATM support this feature.

What Is The Difference Between Cardless Cash Withdrawal And UPI-ATM?

There are some major differences between cardless cash withdrawal and UPI-ATM. The differences are listed below in tabular format:

Cardless Cash Withdrawal	UPI-ATM
With cardless cash withdrawals, the customer has to initiate the request via Net Banking.	Here, instead of passwords, one-time passwords are required to be filled.
It will only work on your bank’s ATMs.	It can work in any ATM.
Limited to some banks.	Works with any UPI app.

What Are The Features Of UPI-ATM?

UPI-ATM has several key features. Some of its major features are laid down below for one’s reference:

Allows customers with UPIs to withdraw cash from any ATM that participates in the National Financial Service (NFS).
As it’s a cardless transaction, the customer has to scan the QR displayed on the ATM screen and authorise the transaction using their UPI PIN.
It increases customer convenience, as people no longer have to carry their cards to withdraw money. It also makes it easier for people who solely rely on UPI and don’t carry cards at all.
There will be a transaction limit of Rs. 10,000 per transaction. This limit will also be a part of the existing UPI limit per day.
Provides transaction security.
It gives them the flexibility to withdraw cash from anywhere, especially while travelling without their physical debit cards.
These features make the withdrawal process easier, more convenient, and more secure.

What Are The Steps Required To Withdraw Cash From A UPI ATM?

To withdraw cash from the ATM through the UPI-ATM feature, all one has to do is follow the steps mentioned below in stepwise form to avoid any confusion:

Step 1: Select UPI Cardless Cash on the ATM screen: When approaching a UPI ATM, you'll see this option on the screen. Choose it to start the cardless withdrawal process.

Step 2: Choose the Amount: Next, you'll be prompted to select or enter the amount you want to withdraw. Select or enter the desired amount carefully.

Step 3: Scan the QR Code: Now, take out your smartphone with a UPI app installed. Use the app to scan the QR code displayed on the ATM screen. This QR code contains all the necessary information to complete your transaction securely.

Step 4: Confirm with the UPI PIN: After scanning the QR code, your UPI app will ask you to confirm the transaction. Enter your UPI PIN to validate the UPI ATM withdrawal.

Step 5: Collect the Cash: The UPI ATM will dispense the requested cash once your transaction is confirmed.

List of Commercial Banks/WLAOs and UPI Apps enabled for offering UPI-ATM – Interoperable Cardless Cash Withdrawal (ICCW)

Name of the Commercial Bank/WLAO	UPI App
BHIM UPI	Live
State Bank of India	Live
ICICI	–
Indusind bank	–
Hitachi Payment Services Pvt Ltd	–
Punjab National Bank	–
Union Bank of India	Live
Canara Bank	Live
Bank of Baroda	Live
Central Bank of India	Live
Bank of India	Live
Indian Overseas Bank	Live
UCO Bank	–
Indian Bank	–
Federal Bank	–
Bank of Maharashtra	–
Punjab and Sind Bank	–
Karur Vysya Bank	–
Yes Bank	–
City Union Bank	Live
Karnataka Bank	–
Dhanalakshmi Bank	–
HSBC Bank	Live
AU Small Finance Bank	–
Fincare Small Finance Bank	–
Equitas Small Finance Bank	–
Ujjvan Small Finance Bank	–
Suryoday Small Finance Bank	–
UTKARSH Small Finance Bank	Live

List Of Third-Party Application Providers (TPAPs) Enabled For Offering UPI-ATM – Interoperable Cardless Cash Withdrawal (ICCW)

Serial No.	Name of the Third Party App
	Google Pay
	PhonePe

Conclusion

UPI-ATM is one of the most innovative and unique features launched by the NPCI. It is expected to enhance the ease and convenience of people when it comes to withdrawing money, which they can do now without an ATM card as well.