UPI-ATM is an Interoperable Cardless Cash Withdrawal (ICCW) service that facilitates participating bank’s customers who are live on UPI, to withdraw cash from any participating banks’ ATMs (enabled for UPI-ATM) without using their card.
Once the customer selects the option ‘UPI cash withdrawal’ at the ATM, customer shall be prompted to enter the withdrawal amount. After entering the amount, a single use dynamic QR code (signed) shall be displayed on the ATM screen. Customer needs to scan the QR code using any UPI APP* and authorize the transaction with UPI PIN on the mobile (UPI APP) to get cash from the ATM.
* UPI App which is enabled for UPI-ATM transactions.
Some of the main features of the UPI-ATM service are as follows:
| Sr. No | Banks / Members / APPs | Issuer | Acquirer | UPI APP |
|---|---|---|---|---|
| 2 | State Bank of India | Live | Pilot Live | Live |
| 3 | Bank of Baroda | Live | Live* | Live |
| 4 | City Union Bank | Live | Live* | Live |
| 5 | Union Bank of India | Live | Live* | Live |
| 6 | Indian Bank | Live | Live* | - |
| 7 | Yes Bank | Live | Live* | Live |
| 8 | Canara Bank | Live | Pilot Live | Live |
| 9 | Central Bank of India | Live | Pilot Live | Live |
| 10 | Bank of India | Live | Pilot Live | - |
| 11 | Utkarsh Small Finance Bank | Live | Pilot Live | Live |
| 12 | Punjab National Bank | Live | - | - |
| 13 | Punjab and Sind Bank | Live | - | - |
| 14 | UCO Bank | Live | - | - |
| 15 | Indusind Bank | Live | Pilot Live | Live |
| 16 | HSBC | Live | - | Live |
| 17 | Karur Vyasa Bank | Live | - | - |
| 18 | Federal Bank | Live | - | - |
| 19 | Ujjivan Small Finance Bank | Live | - | - |
| 20 | Equitas Small Finance Bank | Live | - | - |
| 21 | Suryoday Small Finance Bank | Live | - | - |
| 22 | Fincare Small Finance Bank | Live | - | - |
| 23 | Cosmos Bank | Live | - | - |
| 24 | GP Parsik Sahakari Bank Ltd | Live | - | - |
| 25 | Janata Sahakari Bank | Live | - | - |
| 26 | The Mehsana Urban Co-op Bank | Live | - | - |
| 27 | Andhra Pragathi Grameena Bank | Live | - | - |
| 28 | Andhra Pradesh Gramin Vikas Bank | Live | - | - |
| 29 | Chhattisgarh Gramin Bank | Live | - | - |
| 30 | Deccan Gramin Bank | Live | - | - |
| 31 | Uttarakhand Gramin Bank | Live | - | - |
| 32 | Saurashtra Gramin Bank | Live | - | - |
| 33 | Rajasthan Marudhara Gramin Bank | Live | - | - |
| 34 | Karnataka Vikash Gramin Bank | Live | - | - |
| 35 | Meghalaya Rural Bank | Live | - | - |
| 36 | Arunachal Pradesh Rural Bank | Live | - | - |
| 37 | Hitachi | NA | Pilot Live | - |
* On ATMs enabled for UPI-ATM
Note: Customers of (Live) Issuer banks’ can do card less cash withdrawal transaction using the UPI APP on UPI-ATM enabled ATMs of Acquirer Banks/WLAOs