How to withdraw cash card-free from any ATM using only your phone

You can now withdraw cash from ATMs without a debit card. Here’s how UPI-powered cardless cash withdrawal makes it quick, simple, and secure.

Carrying a debit card is no longer a requirement for withdrawing money from an ATM. A growing number of banks now offer cardless cash withdrawals powered by the Unified Payments Interface (UPI). This feature allows users to take out cash using mobile payment apps such as Google Pay, PhonePe, Paytm, or BHIM. The service, officially known as Interoperable Cardless Cash Withdrawal (ICCW), lets customers scan a QR code displayed on the ATM screen and complete the transaction through their UPI app, which makes the process quick and secure.

Here’s how to withdraw cash from any ATM without carrying a debit card. (ANI)

By MD Ijaj Khan

Ijaj Khan is a technology journalist and Senior Content Producer at Hindustan Times, with over three years of experience covering the consumer technology industry. His work spans smartphones, laptops, wearables, gaming, appliances and AI - from hands-on reviews, comparison and buying guides to breaking news and in-depth features that help readers cut through the noise and make informed decisions. Before joining HT Tech, he worked with Jagran New Media, where he sharpened his instincts for fast-paced digital reporting. He holds a Post Graduate Diploma in English Journalism and Mass Communication from the Indian Institute of Mass Communication (IIMC), Delhi. Whether he's testing the latest flagship smartphone, tracking a major AI announcement, or putting a gaming laptop through its paces, Ijaj approaches every story with the same goal - making technology feel relevant and easy to understand for everyday users, not just enthusiasts. When he's not in front of a screen for work, he's usually travelling to a new city, hunting for great food, or keeping tabs on what's next in tech before everyone else catches on.

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Here’s a detailed look at how this system works, what is required, and the steps to follow for a smooth cash withdrawal.

What You Need

Before using the cardless withdrawal option, make sure you have:

• A smartphone with any UPI-enabled app installed.
• A bank account linked to your UPI ID.
• Access to an ATM that supports “UPI Cash Withdrawal” or “ICCW.”

You can identify a supported ATM by looking for options such as “UPI Cash Withdrawal” or “Interoperable Cardless Cash Withdrawal” on its screen.

Step-by-Step Process Using Google Pay

1. Visit a Supported ATM: Go to an ATM that offers UPI Cash Withdrawal or ICCW services.
2. Select the UPI Option: On the ATM screen, choose the UPI Cash Withdrawal option.
3. Enter the Amount: Type the amount you wish to withdraw or select one from the given options. The ATM will display a secure QR code valid for 30 seconds.
4. Open Google Pay and scan the QR Code: Open the Google Pay app on your phone and tap the QR code scanner. Scan the code shown on the ATM screen. The transaction details will appear automatically.
5. Choose the Bank Account: Select the linked bank account from which you want to withdraw money.
6. Authorise the Payment: Enter your UPI PIN to confirm the withdrawal. Once authorized, follow the on-screen steps on the ATM.
7. Collect Your Cash: The ATM will dispense the amount after successful verification.

Transaction Limits and Key Details

• Maximum withdrawal per transaction: Rs. 10,000
• Minimum withdrawal amount: Rs. 100 (in multiples of Rs. 100)
• Daily withdrawal limit: As per your bank’s UPI limit
• Supported apps: Google Pay, PhonePe, Paytm, BHIM, and others
• ATM support: Available only on ICCW-enabled machines

If a transaction exceeds your bank’s daily UPI or ATM limit, you may see an error message on the ATM screen or within your app.