What is UPI‑ATM Cash Withdrawal?

byDilip PrasadJuly 29, 2025
UPI-ATM Launched
UPI‑ATM Cash Withdrawal lets you withdraw cash from ATMs without using a card—by scanning a QR code using your UPI app. It’s secure, easy, and works with your existing UPI limits.

What Is UPI‑ATM Cash Withdrawal?

UPI‑ATM (also called Interoperable Cardless Cash Withdrawal or ICCW) is a service by NPCI that lets you withdraw cash from ATMs without a debit card. Just use your UPI‑enabled app, scan the ATM’s QR code, and authorize the transaction using your UPI PIN.

Once you select “UPI cash withdrawal”, enter the amount, scan the QR code, and enter your UPI PIN. If everything is correct, cash is dispensed—all securely and cardlessly.

How It Works – Step by Step

  1. Visit an ATM that supports UPI‑ATM withdrawal.
  2. Select the “UPI Cash Withdrawal” option on the ATM screen.
  3. Enter the cash withdrawal amount (up to ₹10,000 per transaction).
  4. A single-use dynamic QR code appears on the ATM screen.
  5. Open your UPI app, scan the QR code, and choose the account.
  6. Enter your UPI PIN to authorize the transaction.
  7. The ATM validates and dispenses cash instantly.

Also Read: How Does a UPI ATM Withdrawal Work?

Key Features of UPI‑ATM Cash Withdrawal

  • Cardless – No need for ATM/debit cards
  • Interoperable – Withdraw cash from participating ATMs from any supported bank
  • Secure & Fast – Uses dynamic QR and UPI PIN
  • Flexible – Can withdraw from multiple accounts
  • Limit – Maximum ₹10,000 per transaction (within your UPI daily limit)

Participating Banks and UPI Apps

Many large banks and UPI apps support UPI‑ATM withdrawal:

  • Issuer & Acquirer Banks: SBI, Bank of Baroda, Canara Bank, Union Bank, Yes Bank, Indian Bank, Indian Overseas Bank, and more.
  • Acquirer-only ATMs: Some banks like ICICI, PNB, etc., accept other bank customers.
  • UPI Apps: BHIM and other UPI‑enabled apps that are activated for UPI‑ATM transactions.

Note: Customers of issuer banks (where UPI is active) can withdraw cash from ATM machines enabled for UPI‑ATM, even from other acquirer banks.

Supported ATM Network

UPI‑ATM ICCW is supported via the National Financial Switch (NFS) network, which links 100,000+ ATMs across India. This ensures wide reach across bank-operated and white-label ATMs.

Who Can Use It

Customers of any issuing bank that’s live on UPI can use ICCW at ATMs enabled by acquirer banks or WLAOs that support UPI‑ATM withdrawals

Failed Transaction Reversal

NPCI NFS Circular OC No. 420 outlines procedures for online reversal of failed ICCW transactions, helping banks and ATM operators to ensure refunds or correct settlements quickly

FAQs

Do I need an ATM card to withdraw cash?

No. You only need a UPI-enabled app and your UPI PIN—no debit or ATM card required.

How much cash can I withdraw in one transaction?

You can withdraw up to ₹10,000 per transaction, subject to your bank’s UPI withdrawal limit.

Can I withdraw cash from any ATM?

Only from ATMs enabled for UPI‑ATM and operated by participating banks or networks.

Is the UPI‑ATM service secure?

Yes. Each withdrawal uses a dynamic QR code and requires your UPI PIN, making it secure and one-use only.

Can I use this service with any UPI app?

Yes, any UPI-enabled app that supports UPI‑ATM withdrawal works—once activated on your account.

Can I withdraw from multiple bank accounts in one session?

Yes, you can choose different linked accounts in the app before scanning the QR code.
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