How to Withdraw Cash from ATMs Without a Card Using UPI

Discover the convenience of withdrawing cash from ATMs without a card using UPI. This innovative method allows users to scan a QR code for quick cash access. Follow our easy five-step guide to learn how to utilize this feature effectively. With a withdrawal limit of ₹10,000 per transaction, this method simplifies cash access and eliminates the need for multiple bank cards. Embrace the future of banking with cardless transactions!

By Narendra Chaudhary May 1, 2026, 05:47 IST

Cardless Cash Withdrawal: A Modern Solution

In today's tech-savvy world, digital transactions have become the norm. People can easily transfer money to each other using UPI. Now, there's an innovative way to withdraw cash from ATMs without needing a physical card. Yes, you read that correctly! You can now withdraw cash by scanning a QR code, but there are a few important steps to follow. Let's explore the process.

Often, we find ourselves in need of cash but unable to withdraw it due to not having an ATM card. Fortunately, this issue can now be resolved. You can take advantage of the UPI ATM feature, allowing you to withdraw cash without a card.

You may have heard about the cardless cash withdrawal feature, but you might be wondering how it differs from traditional methods. The key difference is that cardless cash withdrawal relies on OTP verification, while the QR code method allows you to withdraw cash by scanning a QR code.

Follow These Five Steps

Any individual registered with a UPI application can utilize the UPI ATM service. First, visit an ATM and select the UPI Cardless Cash/QR Cash option. Next, enter the amount you wish to withdraw and press enter. After entering the amount, the machine will generate a QR code for you. You can then scan this QR code using any UPI app on your phone (such as Paytm, PhonePe, Google Pay, etc.). Finally, enter your UPI PIN, and once the payment is processed, the ATM will dispense your cash.

UPI ATM Withdrawal Limit: How Much Can You Withdraw?

When using UPI, you can withdraw a maximum of ₹10,000 in a single transaction at the ATM. With the advent of UPI payments, the need to carry multiple bank cards has diminished. To utilize this feature, ensure you have a smartphone capable of making UPI payments.