how to withdraw money from atm without atm card

You can withdraw money from an ATM without a physical card using the cardless cash withdrawal feature, primarily through the Unified Payments Interface (UPI) or your bank's mobile banking app with an OTP. The Interoperable Cardless Cash Withdrawal (ICCW) service allows you to use any UPI-enabled application on your smartphone to scan a QR code displayed on a UPI-enabled ATM. After selecting 'UPI Cash Withdrawal' on the ATM and scanning the QR code, you enter the withdrawal amount and your UPI PIN on your phone to complete the transaction securely. This method enhances security by reducing risks like card skimming.