{"id":11533,"date":"2024-07-10T15:10:56","date_gmt":"2024-07-10T09:40:56","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=11533"},"modified":"2026-01-05T13:36:36","modified_gmt":"2026-01-05T08:06:36","slug":"upi-atm-cash-withdrawal","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/","title":{"rendered":"UPI ATM Cash Withdrawal: Withdraw Money Using UPI ATM"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Have you ever found yourself at an <a href=\"https:\/\/razorpay.com\/learn\/what-is-atm\/\">ATM<\/a>, only to realize you&#8217;ve left your wallet at home? Or been in a situation needing cash with only your smartphone on hand? Don&#8217;t worry. With the UPI ATM cash withdrawal feature, you can withdraw money using your smartphone at an ATM. This article explains UPI ATM cash withdrawal, how to use UPI for cash withdrawals at ATMs, and covers all the details you need to know.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d5a2c3df700\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d5a2c3df700\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#What-is-UPI-ATM-Cash-Withdrawal\" >What is UPI ATM Cash Withdrawal?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#How-to-Withdraw-Cash-using-UPI-at-an-ATM\" >How to Withdraw Cash using UPI at an ATM?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#UPI-ATM-Cash-Withdrawal-Benefits\" >UPI ATM Cash Withdrawal Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#UPI-ATM-Transaction-Limits-and-Charges-2026\" >UPI ATM Transaction Limits and Charges 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#List-of-Banks-Offering-UPI-ATM-Cash-Withdrawal-Services-in-2026\" >List of Banks Offering UPI ATM Cash Withdrawal Services in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#How-is-UPI-ATM-Withdrawals-Different-from-Cardless-ATM-Withdrawals\" >How is UPI ATM Withdrawals Different from Cardless ATM Withdrawals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/learn\/upi-atm-cash-withdrawal\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What-is-UPI-ATM-Cash-Withdrawal\"><\/span><b>What is UPI ATM Cash Withdrawal?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>UPI ATM Cash Withdrawal<\/strong> is a service offered by the <a href=\"https:\/\/razorpay.com\/learn\/national-payments-corporation-of-india-services\/\">National Payments Corporation of India (NPCI)<\/a> that facilitates <strong>cardless cash withdrawals<\/strong> from ATMs utilizing the Unified Payments Interface (UPI).\u00a0 This innovative technology eliminates the need for physical debit cards, enhancing convenience and security for users.<\/p>\n<p><span style=\"font-weight: 400;\">Known as Interoperable Cardless Cash Withdrawal (ICCW), this service marks a significant milestone in cardless transactions, with India introducing its first UPI-ATM on September 5, 2023, in Mumbai.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> Some of the prominent features of this cardless withdrawal feature are:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interoperability<\/b><span style=\"font-weight: 400;\">: The UPI ATM is compatible across various banking systems, allowing usage with multiple bank accounts regardless of the bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transaction Limit<\/b><span style=\"font-weight: 400;\">: There is an upper limit of \u20b910,000 per transaction using the UPI ATM. It is also subject to daily UPI limits and bank-specific restrictions.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>QR Code-Based Withdrawal<\/b><span style=\"font-weight: 400;\">: Using QR codes ensures security by eliminating risks associated with cards, such as cloning, making it a safer and more secure method.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Instant Cash Dispensation<\/b><span style=\"font-weight: 400;\">: Once confirmed, the UPI ATM instantly dispenses the requested cash, debiting the same from your account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-size: 19px;\">Single UPI App<\/b><span style=\"font-weight: 400;\">: With a single UPI app, you can withdraw cash from multiple accounts, simplifying the process and reducing the need for multiple cards.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How-to-Withdraw-Cash-using-UPI-at-an-ATM\"><\/span><b>How to Withdraw Cash using UPI at an ATM?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here is a <\/span><span style=\"font-weight: 400;\">step-by-step guide<\/span><span style=\"font-weight: 400;\"> on how you can withdraw cash from an ATM using UPI on your smartphone:<\/span><\/p>\n<h3><b><span style=\"text-decoration: underline;\">Step 1<\/span>: Locate a UPI-Enabled ATM<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">ATMs may explicitly indicate if they are UPI-enabled. Look for &#8216;UPI Cash Withdrawal&#8217; at the bottom right or top left corner of the ATM screen to confirm UPI withdrawal support.<\/span><\/p>\n<h3><b><img decoding=\"async\" class=\"alignnone wp-image-11540 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image4-1.webp\" alt=\"Step 1: Locate a UPI-Enabled ATM\" width=\"1252\" height=\"932\" srcset=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image4-1.webp 1252w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image4-1-300x223.webp 300w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image4-1-1024x762.webp 1024w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image4-1-768x572.webp 768w\" sizes=\"(max-width: 1252px) 100vw, 1252px\" \/><\/b><\/h3>\n<p><i><span style=\"font-weight: 400;\">Image Credit: <a href=\"https:\/\/www.npci.org.in\/PDF\/nfs\/UPI-ATM-standard-ATM-screen-guidelines-with-FDK.pdf\" target=\"_blank\" rel=\"noopener\">NPCI<\/a><\/span><\/i><\/p>\n<h3><b><span style=\"text-decoration: underline;\">Step 2<\/span>: Select the Amount to Withdraw<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Select the amount you wish to withdraw, or enter a custom amount using the &#8216;Other Amount&#8217; option.<\/span><\/p>\n<h3><b><img decoding=\"async\" class=\"alignnone wp-image-11538 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image3.webp\" alt=\"Step 2: Select the Amount to Withdraw\" width=\"1262\" height=\"1020\" srcset=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image3.webp 1262w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image3-300x242.webp 300w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image3-1024x828.webp 1024w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image3-768x621.webp 768w\" sizes=\"(max-width: 1262px) 100vw, 1262px\" \/><\/b><\/h3>\n<p><i><span style=\"font-weight: 400;\">Image Credit: NPCI<\/span><\/i><\/p>\n<h3><b><span style=\"text-decoration: underline;\">Step 3<\/span>: QR Code Presented<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A single-use dynamic QR code will be displayed on the screen, which is valid for 30 seconds or until the scanning process is completed, whichever comes first.<\/span><\/p>\n<h3><b><img decoding=\"async\" class=\"alignnone wp-image-11537 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image2.webp\" alt=\"Step 3: QR Code Presented\" width=\"1244\" height=\"995\" srcset=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image2.webp 1244w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image2-300x240.webp 300w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image2-1024x819.webp 1024w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image2-768x614.webp 768w\" sizes=\"(max-width: 1244px) 100vw, 1244px\" \/><\/b><\/h3>\n<p><i><span style=\"font-weight: 400;\">Image Credit: NPCI<\/span><\/i><\/p>\n<p><b>Related Read: <\/b><a href=\"\u201chttps:\/\/razorpay.com\/learn\/atm-withdrawal-limit\/\u201d\"><b>Related Read: ATM Withdrawal Limit for 2024<\/b><\/a><\/p>\n<h3><b><span style=\"text-decoration: underline;\">Step 4<\/span>: Scan QR Code Using UPI App<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Use the UPI application on your smartphone and scan the QR Code. The screen will automatically time out once the transaction is completed.<\/span><\/p>\n<h3><b><span style=\"text-decoration: underline;\">Step 5<\/span>: Enter UPI PIN and Collect Cash<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">On your UPI application, enter your <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-upi-pin\/\">UPI PIN<\/a> and collect cash from the ATM.<\/span><\/p>\n<h2><strong><img decoding=\"async\" class=\"alignnone wp-image-11536 size-full\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image1.webp\" alt=\"Step 5: Enter UPI PIN and Collect Cash\" width=\"1250\" height=\"977\" srcset=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image1.webp 1250w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image1-300x234.webp 300w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image1-1024x800.webp 1024w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image1-768x600.webp 768w, https:\/\/d6xcmfyh68wv8.cloudfront.net\/learn-content\/uploads\/2024\/07\/image1-87x67.webp 87w\" sizes=\"(max-width: 1250px) 100vw, 1250px\" \/><\/strong><\/h2>\n<p><i><span style=\"font-weight: 400;\">Image Credit: NPCI<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-ATM-Cash-Withdrawal-Benefits\"><\/span><strong>UPI ATM Cash Withdrawal Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enhanced Security: <\/b><span style=\"font-weight: 400;\">ICCW eliminates the risks of card-related frauds, such as <a href=\"https:\/\/razorpay.com\/learn\/what-is-card-cloning\/\">card cloning<\/a> and skimming, since it does not involve the use of a physical card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accessibility: <\/b><span style=\"font-weight: 400;\">This service is easily accessible, as it is supported by most banks and ATMs that use the UPI platform. Additionally, if you haven&#8217;t received your physical card after opening a new account, you can still withdraw money using this feature.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Convenience: <\/b><span style=\"font-weight: 400;\">With UPI ATM withdrawals, you don&#8217;t need to carry a physical card, thus avoiding the risk of losing or misplacing it. This method offers a convenient way to access cash without any hassle.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-size: 19px;\">Cash Withdrawals from Multiple Accounts<\/b><span style=\"font-weight: 400;\">: While traditional ATM transactions with a card limit you to one account, UPI ATM transactions allow you to choose from multiple linked accounts.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"UPI-ATM-Transaction-Limits-and-Charges-2026\"><\/span><b>UPI ATM Transaction Limits and Charges 2026<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can withdraw up to \u20b910,000 per transaction using the UPI ATM, which falls within the existing daily <a href=\"https:\/\/razorpay.com\/learn\/upi-transaction-charges\/\">UPI limit<\/a> and is subject to your bank&#8217;s restrictions. The National Payments Corporation of India (NPCI) does not charge any fees for UPI ATM transactions. However, the usual ATM fee structure still applies, depending on your account type and the number of monthly ATM transactions allowed.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"List-of-Banks-Offering-UPI-ATM-Cash-Withdrawal-Services-in-2026\"><\/span><b>List of Banks Offering UPI ATM Cash Withdrawal Services in 2026<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank of Baroda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Arunachal Pradesh Rural Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ujjivan Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Union Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">State Bank of India<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fincare Small Finance Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Equitas Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indian Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">City Union Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Cosmos Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Suryoday Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">GP Parsik Sahakari Bank Ltd<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Canara Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Janata Sahakari Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Central Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">The Mehsana Urban Co-op Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Andhra Pragathi Grameena Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Meghalaya Rural Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Federal Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Utkarsh Small Finance Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Andhra Pradesh Grameena Vikas Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Punjab National Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Chhattisgarh Gramin Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Punjab and Sind Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Telangana Grameena Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UCO Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Uttarakhand Gramin Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">IndusInd Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Saurashtra Gramin Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HSBC<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rajasthan Marudhara Gramin Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Karur Vysya Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Karnataka Vikas Grameena Bank<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The full list can be found on the <\/span><em><strong><a href=\"https:\/\/www.npci.org.in\/what-we-do\/nfs\/product-overview\/interoperable-cardless-cash-withdrawal#:~:text=from%20the%20ATM.-,Customer%20journey%20%3A,-*%20UPI%20App%20which\" target=\"_blank\" rel=\"noopener\">NPCI website<\/a><\/strong><\/em><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-is-UPI-ATM-Withdrawals-Different-from-Cardless-ATM-Withdrawals\"><\/span><b>How is UPI ATM Withdrawals Different from Cardless ATM Withdrawals?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Reserve Bank of India permits ICCW transactions, which include both <a href=\"https:\/\/razorpay.com\/learn\/how-to-withdraw-money-from-atm-without-card\/\">cardless cash withdrawals<\/a> and UPI-ATM withdrawals. The key differences between these two methods lie in their processes and convenience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cardless cash withdrawals require initiating the request through NetBanking, which involves adding beneficiaries, inputting mobile numbers, and entering one-time passwords. This method can be time-consuming and involves multiple steps.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, UPI-ATM withdrawals offer a more streamlined approach. With UPI-ATM, you can instantly withdraw cash using any UPI-enabled app by simply scanning a QR code and authenticating the transaction with your UPI PIN. This method eliminates the need for pre-authorization and multiple steps, making it quicker and more convenient.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">UPI ATM withdrawals offer a modern, convenient, and secure method for accessing cash without needing a physical card. By simply using a UPI-enabled app on your smartphone, you can withdraw cash instantly by scanning a QR code, enhancing security and ease of use. With widespread support across various banks and ATMs, this feature ensures accessibility and flexibility. So, even if you forget your wallet at home, you can still withdraw money effortlessly using the UPI ATM withdrawal feature.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><b>FAQs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. Is UPI ATM cash withdrawal available at all ATMs?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No, UPI ATM cash withdrawal is not available at all ATMs. Only UPI-enabled ATMs from participating banks support this feature. Look for &#8216;UPI Cash Withdrawal&#8217; on the ATM screen to confirm its availability. For the full list of banks, check the <\/span><a href=\"https:\/\/www.npci.org.in\/what-we-do\/nfs\/product-overview\/interoperable-cardless-cash-withdrawal#:~:text=from%20the%20ATM.-,Customer%20journey%20%3A,-*%20UPI%20App%20which\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NPCI website<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>2. How can I find a UPI cash withdrawal ATM near me?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To find a UPI cash withdrawal ATM near you, look for ATMs that explicitly state &#8216;UPI Cash Withdrawal&#8217; on their screens. This indication is usually found at the bottom right or top left corner of the ATM screen. You can locate ATMs near you from <\/span><a href=\"https:\/\/www.npci.org.in\/atm\/locator\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NPCI website<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>3. Can I use Google Pay to withdraw money from an ATM?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Google Pay can be used with UPI-ATM machines by scanning the QR code displayed on the ATM screen using the Google Pay app. Once you scan the QR code, you can authenticate the transaction with your UPI PIN directly through the app.\u00a0<\/span><\/p>\n<h3><b>4. I cannot find the &#8220;UPI cash withdrawal&#8221; option on the ATM, what should I do?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you cannot find the &#8220;UPI cash withdrawal&#8221; option on the ATM, check for compatibility by looking for specific signage indicating UPI support. Consider using another ATM known to offer this service or contact your bank for assistance.<\/span><\/p>\n<h3><b>5. What should I do if the UPI-ATM transaction fails?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If a UPI-ATM transaction fails, ensure your internet connection is stable and retry the transaction after confirming the QR code scan and UPI PIN entry. If the issue persists, contact your bank&#8217;s customer support for assistance and clarification on the transaction status.<\/span><\/p>\n<h3><b>6. Can I use Bank of India UPI at ATMs for cash withdrawals?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can use Bank of India UPI at ATMs for cash withdrawals, provided the ATM is UPI-enabled and supports this feature.<\/span><\/p>\n<h3><b>7. Is the UPI PIN and ATM PIN the same?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The UPI PIN and ATM PIN are distinct. A UPI PIN is used exclusively for transactions through UPI applications, whereas an ATM PIN is a four-digit code essential for authenticating debit card transactions<\/span><\/p>\n<h3><b>8. How secure is UPI ATM cash withdrawal compared to using a physical ATM card?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">UPI ATM cash withdrawal offers enhanced security compared to using a physical ATM card. It eliminates risks like card cloning and skimming since it doesn&#8217;t involve a physical card. The use of QR codes adds an additional layer of security, making transactions safer and more secure.<\/span><\/p>\n<h3><b>9. Are UPI ATM withdrawals available 24\/7?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, they are available 24\/7.<\/span><\/p>\n<h3><b>10. Can I use UPI for ATM withdrawals if I have multiple bank accounts linked to the same UPI app?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can use UPI for ATM withdrawals even if you have multiple bank accounts linked to the same UPI app.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever found yourself at an ATM, only to realize you&#8217;ve left your wallet at home? Or been in a situation needing cash with only your smartphone on hand? Don&#8217;t worry. With the UPI ATM cash withdrawal feature, you can withdraw money using your smartphone at an ATM. This article explains UPI ATM cash<\/p>\n","protected":false},"author":151156614,"featured_media":13671,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3876,1387],"tags":[],"class_list":{"0":"post-11533","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-atm","8":"category-payments"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/11533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156614"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=11533"}],"version-history":[{"count":14,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/11533\/revisions"}],"predecessor-version":[{"id":18636,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/11533\/revisions\/18636"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/13671"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=11533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=11533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=11533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}