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How to Withdraw Money from an ATM Without a Card?

By Mayashree Acharya

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Updated on: May 4th, 2024

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3 min read

Usually, you need to use a debit card or credit card to withdraw money from your bank account through the ATM. However, the banking sector has become more tech-savvy and flexible in this era. Several banks allow you to withdraw money from your bank account through ATMs without requiring a physical card. 

This article will help you understand how to withdraw money from an ATM without a card. Learn the benefits and the flexible methods of withdrawing cash. 

What Is Cardless Cash Withdrawal?

Cardless cash withdrawal is a unique and convenient feature introduced by several banks to allow their customers to withdraw money from ATMs without a physical card. It is an Interoperable Cardless Cash Withdrawal (ICCW) service that facilitates bank customers having UPI to withdraw cash from any bank’s ATMs, which enables UPI-ATM without using their cards.

You can use the UPI QR cash facility to withdraw money from ATMs across India without using cards. Some banks also offer ATM cash functionality through mobile banking or net banking portals. You need to be logged in on the mobile app or net banking portal to opt for this facility. 

Benefits of Cardless Cash Withdrawals

Here are some notable benefits of cardless cash withdrawals:

  • Flexibility 

During unforeseen situations, it gets difficult for you to obtain cash without a debit or credit card. However, with the cardless cash withdrawal facility, you can withdraw cash from a bank’s ATM without a card during an unexpected event. 

  • Convenient and Secure

When it comes to finances, security is the top priority for any individual. Every cardless transaction is designed to be safe and secure, allowing you to not worry about fraud. As every transaction requires the bank’s mobile app and confirmation of transactions via OTP (One-Time Password), it leaves little chance for fraud. Moreover, you may find it difficult to withdraw cash with a card after regular banking hours. This is when cardless cash withdrawal will help you. 

  • Transaction Limit

The cardless cash withdrawal facility allows you to withdraw a maximum of Rs. 10,000 within the existing daily UPI transaction limits and conditions of your bank. However, you must understand that this limit differs from one financial institution to another.

How to Withdraw Cash from ATMs Using UPI?

Follow this step-by-step guide to withdraw money from an ATM without an ATM card through UPI:

Step 1: Visit the nearest UPI-enabled ATM and select the ‘UPI Cash Withdrawal’ option from the menu.

Step 2: The machine will display the ‘QR Code’.

Step 3: Use any UPI application from your smartphone to scan the QR code.

Step 4: Enter the amount you want to withdraw and click the ‘Proceed’ button.

Step 5: Enter the UPI PIN to complete your cardless cash withdrawal process from the ATM.

Step 6: The machine will dispense the required cash.

How to Withdraw Money from an ATM Card Without PIN?

You can withdraw money from an ATM card without a PIN by adding a beneficiary to your account. However, the steps to withdraw money from an ATM without PIN may vary from one bank to another. The general steps are as follows:

Step 1: Open your bank’s net banking portal and log in to your account using the credentials. 

Step 2: Select the ‘Add Beneficiary’ option and choose ‘Cardless Cash Withdrawal’.

Step 3: Enter the beneficiary’s details and click the ‘Add’ button. 

Step 4: Recheck the details and click the ‘Confirm’ button. 

Step 5: Enter the OTP received in your registered mobile number to complete the process.

Step 6: After 30 minutes, the beneficiary status will be activated on your account.

Step 7: Log in to your bank’s net banking portal. Click on ‘Fund Transfer’ and select ‘Cardless Cash Withdrawal’. 

Step 8: Select the bank account and enter the withdrawal amount.

Step 9: Enter the OTP received on your registered mobile number to place the request.

Step 10: Once the request is successful, the beneficiary will receive a 4-digit OTP and a unique 6-digit or 9-digit code. 

Step 11: The beneficiary must visit the nearest ATM of the preferred bank and choose the ‘Cardless Cash’ option. 

Step 12: Enter the details, such as the 4-digit OTP, 6-digit or 9-digit code, beneficiary’s mobile number, and transaction amount.

Step 13: Once the machine validates the details, it will dispense the cash.

What Is the Maximum Amount to Withdraw Using an Interoperable UPI ATM Facility?

The maximum amount you can withdraw with an interoperable UPI ATM service is Rs. 10,000 per transaction. This amount may vary from bank to bank. The amount limit is a part of the existing UPI limit per day and according to the limits of the issuer bank for UPI ATM transactions. 

The technological upgrade in our country’s banking sector enables you to carry out various transactions seamlessly. Interoperable Cardless Cash Withdrawal (ICCW) or cardless cash withdrawal facility is a convenient feature that several banks have introduced to allow customers to withdraw money from their bank’s ATMs using the Unified Payments Interface (UPI). It enables cash withdrawal without the requirement of a physical debit or credit card. It will help you during emergencies and urgent requirements of funds. 

Related Articles:
How to Insert an ATM Card into an ATM Machine?
How to Activate an ATM or Debit Card?
ATM Withdrawal Limit
UPI ATM Cash Withdrawal Limit
What is White Label ATM
How to Unblock an ATM Card?

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Frequently Asked Questions

What is cardless cash withdrawal?

Cardless cash withdrawal is a unique and convenient feature introduced by several banks to allow their customers to withdraw money from ATMs without a physical card. This feature allows you to withdraw a maximum amount of Rs. 10,000 per transaction from an ATM.

How to withdraw cash from ATMs using UPI?

You can follow the process below to withdraw cash from ATMs using UPI:

  • Visit the nearest UPI-enabled ATM and select the ‘UPI Cash Withdrawal’ option from the menu.
  • The machine will display the ‘QR Code’.
  • Use any UPI application from your smartphone to scan the QR code.
  • Enter the amount you want to withdraw and click the ‘Proceed’ button.
  • Enter the UPI PIN to complete your cardless cash withdrawal process from the ATM.
  • The machine will dispense the required cash.
How to withdraw money from an ATM card without a PIN?

You must add a beneficiary to your account to withdraw money from an ATM card without a PIN. After that, you must log in to your online banking account, select the ‘Cardless Cash Withdrawal’ option under ‘Fund Transfer’, select your bank account and beneficiary details and enter the amount to transfer. Once the bank accepts your request, it will send a 4-digit OTP and a 6-digit or 9-digit code. The beneficiary must visit the bank’s nearest ATM and enter the details to receive the cash from the machine.

What is the maximum amount you can withdraw using an interoperable UPI ATM facility?

The maximum amount you can withdraw using an interoperable UPI ATM facility is Rs. 10,000 per transaction. However, this amount may vary from bank to bank. 

Which banks allow cardless cash withdrawals?

Some of the Indian banks that allow cardless cash withdrawals are as follows:

  • State Bank of India
  • Bank of Baroda
  • City Union Bank
  • Union Bank of India
  • Yes Bank
  • Canara bank
  • Central Bank of India
  • HDFC Bank
  • ICICI Bank
  • Utkarsh Small Finance Bank
What is needed for cardless withdrawal?

You must have a UPI application installed on your smartphone for cardless withdrawals through ATMs. In addition, you must have a UPI PIN, as, without it, you cannot complete the cashless withdrawal process through an ATM. 

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About the Author

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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