How to Withdraw Cash from ATM Using UPI


We have all been in a situation when we are in urgent need of hard cash but don’t have our ATM card on us. But, the one thing that we are always (like 99% of the time) is our phones. National Payments Corporation of India (NPCI) understands that and has unveiled UPI ATM cash withdrawal capabilities. This innovative solution is aimed at simplifying the process of cardless cash withdrawals at ATMs, especially during emergencies.

The feature dubbed Interoperable Cardless Cash Withdrawal (ICCW) will allow you to seamlessly use your smartphone and preferred UPI app to easily dispense cash at ATMs. Continue reading below to learn how you can also use UPI to withdraw cash from ATMs.

A Guide to Withdraw Cash Using UPI ATM

If you find a UPI-compatible ATM, follow the steps below to withdraw cash from the ATM using your favorite UPI app:

  1. From the options on the screen, you have to select the “UPI Cardless Cash” or “UPI Cash Withdrawl” option.
  2. Proceed to enter the amount you wish to withdraw in 100, 500, 1,000, 2,000, and 5,000 denominations (depending on the ATM).
  3. In the next step, the machine will generate a single-use QR code for your chosen amount.
UPI ATM steps
  1. Now, you can use any UPI app installed on your iPhone or Android phone to scan the QR code
  2. Authorize the transaction by inputting your UPI PIN. And that’s it!
  3. The ATM will dispense your cash and a confirmation notification will appear in your chosen UPI app.
  4. Make sure to collect your cash before leaving the ATM kiosk.
upi atm - steps continue

Moreover, the NPCI has partnered with Hitachi Payment Services to launch the first-ever UPI ATM in India. The White Label ATM (WLA), dubbed as the Hitachi Money Spot UPI ATM, will facilitate QR-based cardless cash withdrawal.

How Is UPI ATM Different from Cardless Cash Withdrawal?

With UPI-based cash withdrawal, you can enjoy the same seamless benefit as cardless cash withdrawal. However, the key difference is that you do not need to provide your phone number and rely on OTPs to verify your transaction. With the UPI ATM functionality, all you need to do is scan the displayed QR code on your smartphone. Union Minister Piyush Goyal posted a video on X (formerly Twitter) showcasing this feature in action:

Also, while using UPI ATMs, the withdrawal limit is set at Rs 10,000, and you will be able to easily switch between different accounts from your installed UPI app. The cash withdrawal will be part of your existing daily UPI transaction limit, so be careful while withdrawing money from ATMs.

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