Cardless Cash Withdrawal Tips: Now you can withdraw money from ATMs without a debit card. The UPI-enabled cardless cash withdrawal feature allows you to withdraw money by scanning a QR code from the Google Pay, Paytm, or PhonePe app. You need a UPI-linked bank account and a smartphone. This method allows you to safely and easily withdraw cash from ₹100 to ₹10,000, even without a card.

Cardless Cash Withdrawal Tips: When in need of money, people often rush to the ATM. Sometimes, while changing clothes, they forget their ATM card or wallet at home. But when they need money and search their pockets, they find it missing. At first, they fear pickpocketing, but to reassure themselves, they call home. Then, it turns out that the person left his wallet at home, which contained his debit card. So, if you're going to withdraw money from an ATM, you won't be able to do so? Absolutely wrong. Gone are the days when ATMs only dispense money using debit cards. Now, you can withdraw money from ATMs without a debit card. Now, you'll ask, how? Let's learn the real trick.

This is how an ATM dispenses money without a debit card.

You no longer need to carry your debit card with you to withdraw money from an ATM. Thanks to UPI-enabled cardless cash withdrawals, you can securely withdraw money using apps like Google Pay, Paytm, and UPI. This feature allows users to scan a QR code displayed on the ATM screen and complete the withdrawal using UPI. This is known as UPI Cash Withdrawal or ICCW (Interoperable Cardless Cash Withdrawal).

Ways to Withdraw Money Without a Debit Card

• To withdraw money from an ATM without a debit card, you must have a smartphone with a UPI-enabled app.
• Your bank account must be linked to your UPI ID.
• An ATM that supports UPI cash withdrawal or ICCW.
• Supported ATMs display options like "UPI Cash Withdrawal," "ICCW," or "Interoperable Cardless Cash Withdrawal" on their home screen.

Withdraw Money Using a Digital Payment App

If you want to withdraw money from an ATM without a debit card using digital payment apps like Google Pay, Bharat Pay, Paytm, etc., there are several ways to do it. You should learn how to use them.

• Go to an ATM near you.
• Go to an ATM that supports UPI cash withdrawal or ICCW.
• Select the UPI option.
• On the ATM screen, select one of the options below: UPI Cash Withdrawal or Withdrawal Amount.
• Choose from the pre-populated options or enter the desired amount manually.
• The ATM will then generate a secure, signed QR code, valid for 30 seconds.
• Open a digital mobile app like Google Pay or Paytm and scan the QR code.
• The amount and payee details will be automatically filled in.
• Your mobile app will display all eligible linked bank accounts.
• Select the account from which you want to withdraw money.
• Confirm and make the payment using your UPI PIN.
• After the transaction is complete, follow the on-screen instructions at the ATM.
• The ATM will dispense the money after successful verification.
• Now, withdraw your cash.

A Few Important Points

• There are a few important things to keep in mind when withdrawing money from an ATM using a mobile app without a debit card. Lack of information can lead to unnecessary hassles.
• A minimum of ₹100 and a maximum of ₹10,000 can be withdrawn per transaction using the mobile app.
• If you withdraw money from an ATM daily through the app without a debit card, banks have their own limits. You will receive the money accordingly.
• To withdraw money, you must use UPI-supported apps like Google Pay, PhonePe, Paytm, BHIM, etc.

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