UPI ATM Cash Withdrawal, Card Less Cash Withdrawals, How it works?

Get full details on UPI ATM Cash Withdrawal from here. Now it is possible to withdraw money without ATM card. Know how…Hitachi Payment Services in collaboration with National Payments Corporation of India (NPCI) has launched UPI-ATM as White Level ATM (WLA). Hitachi Payment Services is a subsidiary of Japan-based Hitachi. Through this Hitachi Money Spot UPI ATM, customers can withdraw cash without debit or credit card.

UPI ATM Cash Withdrawal 

Now UPI ATM Cash Withdrawal has launched in India. You can withdraw cash from ATM without using debit card. Japanese company Hitachi has introduced this UPI ATM. The Hitachi Money Spot UPI ATM was showcased at the Global Fintech Fest 2023 in Mumbai on September 5, 2023. The UPI ATM Cash Withdrawal Limit is Rs 10,000 per day set by the NPIC. All banks also impose some limits for withdrawing money from ATMs. That is, different banks have their own rules regarding how much money you can withdraw from the ATM. Here we are discussing the cash limits of some top banks in the country.

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The daily cash withdrawal limit from SBI Classic Debit Card or Maestro Debit Card is Rs 20,000. A maximum of Rs 25,000 can be withdrawn from the account linked to the PNB Classic Debit Card. The daily cash withdrawal limit from the account linked to the Gold Debit Card is ₹50,000. Bank of Baroda’s BPCL Debit Card can withdraw ₹ 50,000 in a day,₹ 50,000 from MasterCard DI Platinum Debit Card.

UPI ATM Cash Withdrawal Overview


Post Title UPI ATM Cash Withdrawal
Category Bank
Authority National Payments Corporation of India (NPCI)
Launched Date 5 September 2023
Launched by Japan Hitachi Payment Services
Cash withdrawal Limit 10,000


UPI ATM Cash Withdrawal Charges

Going to withdraw money from an ATM using UPI, will there be any separate charge? know the whole process from here. UPI ATM Cash Withdrawal charges may be different according to the banks. Currently, this facility is available in only a few banks. Also, service is available on RuPay debit card only. Gradually MasterCard and Visa will also come into this network. Now the question is whether any additional fee will have to be paid for withdrawing money from ATM through UPI?

First of all, while withdrawing cash, the customer has to select the UPI cash withdrawal option in the ATM. Then the customer has to enter the amount he wants to withdraw. This amount should be present in your bank account.

UPI ATM Cash Withdrawal
UPI ATM Cash Withdrawal


Process to ATM cash withdrawal using UPI

  • Step 1: For this, first of all you have to select the amount you want to withdraw from the ATM.
  • Step 2: After this a QR code will show on the screen for the selected amount.
  • Step 3: Now you have to scan the QR card using any UPI app available on your mobile phone.
  • Step 4: You will need to enter your UPI PIN on your mobile to authorize the transaction.
  • Once authorized, the ATM will dispense cash.

UPI ATM Cash Withdrawal Problem

ATM Cash Withdrawal Using UPI: If you are also facing any problem in withdrawing UPI ATM cash, then in this article we have explained the complete ATM cash withdrawal using UPI process, by following the steps you can easily withdraw ATM cash.

How to withdraw money from ATM machine through UPI

Step 1: First of all go to the ATM of a nearby bank.

Step 2: Now select the option of UPI Cash Withdrawal.

Step 3: Now enter the amount to be withdrawn.

Step 4: After this the QR code will appear on the ATM screen.

Step 5: Now scan the QR code for ICCW from mobile through enabled UPI app.

Step 6: After this enter the UPI PIN.

Step 7: After this the cash will come out of the ATM machine.

UPI ATM Cash Withdrawal App

You can withdraw money from UPI ATM Cash App machines even if you do not have a debit card. For this you will have to take help of a UPI-based App. However, this facility is not currently available on all ATM machines. as soon as the UPI option is updated in the ATM machine, you will easily be able to avail the facility of cash withdrawal through the ATM machine. For this, you can use many types of UPI apps like Google Pay, Paytm, Phone Pay etc. The benefit of this facility will be given to those people who have forgotten the debit card at home.

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FAQs related to UPI ATM Cash Withdrawal

Can I use UPI to withdraw money from ATM?

Yes you can use UPI to withdraw money from ATM as per the RBI guidelines.

Can we withdraw cash from ATM using GPAY?

To withdraw cash from ATM using GPAY, you have a Payment Application in your device.

How can withdraw cash from ATM?

The process to withdraw cash from ATM is given in this article.

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