Many people still think that a debit card is necessary to withdraw money from an ATM.
But that is no longer the case.
Today, you can withdraw cash directly from an ATM using Unified Payments Interface (UPI).
Many banks have now introduced the UPI Cash Withdrawal option on their ATMs.
Instead of inserting a card, you simply scan a QR code using your UPI app and complete the transaction.
This method is not only easy but also safer, as it reduces the risk of cyber fraud such as card cloning and skimming.
Because of these benefits, more people are slowly starting to use this feature.
Why Withdrawing Cash Through UPI Is Useful
Withdrawing money through UPI offers several advantages.
The biggest benefit is that you do not need to carry a debit card.
If you forget your card at home or lose it, you can still withdraw cash easily using your smartphone.
The process is also faster because you do not have to insert a card or type your PIN on the ATM machine.
Here are some key benefits:
You do not need to carry a physical debit card.
There is no risk of losing or misplacing your card.
It helps protect you from frauds like card cloning and skimming.
The process is quick and simple.
All you need is a smartphone with a working UPI app.
How to Withdraw Cash from an ATM Using UPI
The process is simple and usually takes only a few seconds.
First, go to an ATM that supports UPI cash withdrawal and select the UPI Cash Withdrawal option on the screen.
Next, enter the amount you want to withdraw.
The ATM will then display a QR code.
Open your UPI app and scan this QR code.
Remember that the QR code can be used only once.
After scanning, enter your UPI PIN on your phone.
Once the transaction is confirmed, the ATM will immediately dispense the cash.
Important Things to Remember
Before using this feature, there are a few things you should keep in mind.
The ATM must support the UPI cash withdrawal feature.
You can usually see this option on the ATM screen.
Your phone should have an active internet connection, and your UPI app should be updated.
You must also remember your UPI PIN to complete the transaction.
Another important point is the withdrawal limit.
With this method, you can usually withdraw between Rs 5,000 and Rs 10,000 per transaction, depending on the bank and ATM.
