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

UPI ATM Cash Withdrawal: Discover all the information on UPI ATM Cash Withdrawal right here. Money can now withdrawn without an ATM card. know how. UPI-ATM has been introduced as a White Level ATM (WLA) by Hitachi Payment Services in association with the National Payments Corporation of India (NPCI). Located in Japan, Hitachi has a subsidiary called Hitachi Payment Services. Customers can withdraw cash from this Hitachi Money Spot UPI ATM without using a debit or credit card.

With UPI, or Unified Payments Interface, you can withdraw cash from an ATM without the need for a physical debit card. Instead, you can simply use your smartphone and a UPI-enabled app to initiate the transaction. This not only eliminates the risk of losing or damaging your debit card but also provides an added layer of security as you don’t have to share sensitive card details at the ATM. The process is quick and hassle-free, allowing you to withdraw cash anytime, anywhere with just a few taps on your phone.

UPI ATM Cash Withdrawal

In India, UPI ATM Cash Withdrawal has now been introduced. Without a debit card, you can use an ATM to withdraw cash. This UPI ATM was introduced by the Japanese company Hitachi. On September 5, 2023, the Global Fintech Fest 2023 in Mumbai featured a display of the Hitachi Money Spot UPI ATM. The NPIC has set a daily limit of Rs 10,000 for cash withdrawals from UPI ATMs. All banks also place restrictions on how much cash can withdrawn from ATMs. That is, the maximum amount of cash you can withdraw from an ATM varies depending on the bank.

Here, we’ll talk about some of the top banks in the nation’s cash limits. The daily cash withdrawal cap for Maestro or SBI Classic Debit Cards is Rs 20,000. The amount that can taken out of the account connected to the PNB Classic Debit Card is Rs 25,000 maximum. The Gold Debit Card’s account is linked to a 50,000 yen daily cash withdrawal cap. The BPCL Debit Card from Bank of Baroda can withdraw up to 50,000 from a MasterCard DI Platinum Debit Card in a single day.

UPI ATM Cash Withdrawal

UPI ATM Cash Withdrawal Overview

Article Name UPI ATM Cash Withdrawal
Cash withdrawal Limit 10,000
Authority National Payments Corporation of India (NPCI)
Launched Date 5th September 2023
Launched by Japan Hitachi Payment Services
Category Trending
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UPI ATM Cash Withdrawal Charges

Will there be a separate fee if I use UPI to make an ATM withdrawal? the entire procedure is known from here. The fees for UPI ATM cash withdrawals may vary depending on the banks. Currently, only a few banks offer this feature. Additionally, only RuPay debit cards are accepted for payment. MasterCard and Visa will eventually join this network. The question that remains is, Will there a surcharge for using UPI to withdraw cash from an ATM?

The customer must first choose the UPI cash withdrawal option in the ATM before they can begin withdrawing cash. The customer must then enter the withdrawal amount. Your bank account should contain this amount.

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Process to ATM cash withdrawal using UPI

  • To do this, you must first decide how much money you want to withdraw from the ATM.
  • After that, the selected amount’s QR code will appear on the screen.
  • You must now use any UPI app on your phone to scan the QR code on the card.
  • To approve the transaction, you must enter your UPI PIN on your mobile device.
  • The ATM will release money after receiving permission.

UPI ATM Cash Withdrawal App

Even without a debit card, you can withdraw money from UPI ATM Cash App machines. You will need to use a UPI-based app for this. However, not all ATMs currently have access to this feature. You will able to use the ATM machine’s cash withdrawal feature without any difficulty as soon as the UPI option is updated. You can do this by using a variety of UPI apps, including Google Pay, Paytm, Phone Pay, and others. Those who have left their debit card at home unattended will benefit from this facility.

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UPI ATM Cash Withdrawal Problem

ATM Cash Withdrawal Using UPI. If you’re having trouble using UPI to withdraw cash from an ATM, we’ve laid out the entire process in this article. Simply follow the steps to successfully withdraw cash from an ATM.

How to use UPI to withdraw cash from an ATM?

  • Head to an ATM at a nearby bank first.
  • Next, choose the UPI Cash Withdrawal option.
  • Enter the amount to withheld at this point.
  • Following this, the ATM screen will display the QR code.
  • Next, use a mobile device with an enabled UPI app to scan the ICCW QR code.
  • Then, enter your UPI PIN.
  • Following this, the ATM will release the cash.


UPI ATM cash withdrawal is a convenient and secure way to access cash from your bank account. With the increasing popularity of UPI (Unified Payments Interface) in India, many banks now offer the option to withdraw cash from ATMs using UPI. This innovative feature allows you to simply scan a QR code displayed on the ATM screen with your UPI-enabled mobile banking app and enter the amount you wish to withdraw.

The transaction is completed instantly, without the need for a physical debit card or PIN. This not only eliminates the risk of card skimming or theft but also provides added convenience as you no longer need to carry your debit card with you. UPI ATM cash withdrawal is just another example of how technology is revolutionizing the way we conduct financial transactions, making them faster, safer, and more convenient than ever before.

UPI ATM Cash Withdrawal FAQ’S

Can I withdraw from an ATM using UPI?

The UPI ATM facility offers a significant advantage as it allows customers to withdraw cash from multiple accounts that are linked to UPI. In addition, UPI ATM transactions are faster, more convenient, and more secure because each transaction generates a unique QR code that can only be used once, ensuring a safe banking experience.

How much cash can be withdrawn from ATM UPI in a day?

According to the guidelines of the Reserve Bank of India (RBI), customers can make a maximum withdrawal of Rs 1 lakh per month using the UPI ATM facility. In Bank of Baroda (BOB), customers can perform two cardless cash withdrawal transactions per day for each account, with each transaction limited to Rs 5,000.

Can we withdraw cash from ATM using GPAY?

If you have a payment app like Google Pay or Apple Pay®, you can make contactless cash withdrawals where the ATM supports this payment type.

What is the daily spend limit for UPI?

NPCI has established guidelines for UPI transactions, which specify that individuals can make a maximum payment of ₹1 lakh per day using UPI. The UPI limitation ranges from smaller banks such as Canara Bank, which permits transactions of up to ₹25,000, to larger banks like SBI, which have set a limit of ₹1 lakh.

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