Step-by-Step Guide: Withdraw Cash from UPI ATM | [Publication Name] | – industrialupdates
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What are the key features of UPI ATM
- No Need of Credit or Debit Card: A notable feature is the elimination of the requirement for a physical debit or credit card. Users can conduct transactions effortlessly without the need for a card.
- Interpolable System: The UPI ATM system is designed to be interoperable, allowing users to utilise any UPI app of their preference for conducting transactions. This flexibility enhances user convenience.
- Transaction Limit and Multi-Account Usage: The UPI ATM facilitates transactions of up to Rs 10,000 per transaction, offering users flexibility in withdrawing varying amounts. Additionally, users can withdraw money from multiple accounts, regardless of the bank.
How to withdraw cash from UPI ATM
Step 1: Visit any UPI ATM located near you.
Step 2: Initiate the process by selecting the desired withdrawal amount. The UPI ATM system is versatile, accommodating various withdrawal amounts.
Step 3: Once you have chosen the withdrawal amount, a QR code will appear on the ATM screen. This code is crucial for initiating the UPI transaction.
Step 4: Utilise any UPI-enabled app on your smartphone to scan the QR code displayed on the ATM screen. This action establishes a connection between your phone and the UPI ATM.
Step 5: To authorise the transaction, input your UPI PIN on your smartphone.
Step 6: After entering the correct UPI PIN, the ATM processes the transaction and dispenses the requested cash amount.
List of Banks/WLAOs and UPI APPs enabled for offering UPI-ATM services – UPI cash withdrawal
| Sr. No | Banks / Members / APPs | Issuer | Acquirer | UPI APP |
|---|---|---|---|---|
| 1 | BHIM UPI APP | – | – | Live |
| 2 | State Bank of India | Live | Pilot Live | Live |
| 3 | Bank of Baroda | Live | Live* | Live |
| 4 | City Union Bank | Live | Live* | Live |
| 5 | Union Bank of India | Live | Live* | Live |
| 6 | Indian Bank | Live | Live* | – |
| 7 | Yes Bank | Live | Live* | Live |
| 8 | Canara Bank | Live | Pilot Live | Live |
| 9 | Central Bank of India | Live | Pilot Live | Live |
| 10 | Bank of India | Live | Pilot Live | – |
| 11 | Utkarsh Small Finance Bank | Live | Pilot Live | Live |
| 12 | Punjab National Bank | Live | – | – |
| 13 | Punjab and Sind Bank | Live | – | – |
| 14 | UCO Bank | Live | – | |
| 15 | Indusind Bank | Live | – | Live |
| 16 | HSBC | Live | – | |
| 17 | Karur Vyasa Bank | Live | – | |
| 18 | Federal Bank | Live | – | – |
| 19 | Ujjivan Small Finance Bank | Live | – | – |
| 20 | Equitas Small Finance Bank | Live | – | – |
| 21 | Suryoday Small Finance Bank | Live | – | – |
| 22 | Fincare Small Finance Bank | Live | – | – |
| 23 | Cosmos Bank | Live | – | – |
| 24 | GP Parsik Sahakari Bank Ltd | Live | – | – |
| 25 | Janata Sahakari Bank | Live | – | – |
| 26 | The Mehsana Urban Co-op Bank | Live | – | – |
| 27 | Andhra Pragathi Grameena Bank | Live | – | – |
| 28 | Andhra Pradesh Gramin Vikas Bank | Live | – | – |
| 29 | Chhattisgarh Gramin Bank | Live | – | – |
| 30 | Deccan Gramin Bank | Live | – | – |
| 31 | Uttarakhand Gramin Bank | Live | – | – |
| 32 | Saurashtra Gramin Bank | Live | – | – |
| 33 | Rajasthan Marudhara Gramin Bank | Live | – | – |
| 34 | Karnataka Vikash Gramin Bank | Live | – | – |
| 35 | Meghalaya Rural Bank | Live | – | – |
| 36 | Arunachal Pradesh Rural Bank | Live | – | – |
| 37 | Hitachi | NA | Pilot Live | – |
(Table reference: NPCI website) | (* On ATMs enabled for UPI-ATM)
Note: Customers of (Live) Issuer banks’ can do card less cash withdrawal transaction using the UPI APP on UPI-ATM enabled ATMs of Acquirer Banks/WLAOs
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