UPI-ATM (Interoperable-Cardless-Cash-Withdrawal)

UPI-ATM Cash Withdrawal

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.

Customer journey :
UPI-ATM (Interoperable Card-less Cash Withdrawal – ICCW)

* UPI App which is enabled for UPI-ATM transactions.

Some of the main features of the UPI-ATM service are as follows:

  • Interoperable.
  • Card-less Transaction.
  • Transaction limit is up to ₹10,000/- per transaction. It shall be part of the existing UPI per day limit and as per the limits set by Issuer Bank for UPI-ATM transactions.
  • Convenience i.e. no need to carry card for ATM cash withdrawal.
  • Can withdraw cash from multiple accounts using UPI APP
List of Banks/WLAOs and UPI APPs enabled for offering UPI-ATM services – UPI cash withdrawal
Sr. No Bank Name Issuer Acquirer UPI APP
1 BHIM UPI App - - Live
2 State Bank of India Live Live* Live
3 Bank of Baroda Live Live* Live
4 Union Bank of India Live Live* Live
5 City Union Bank Live Live* Live
6 Indian Bank Live Live* Live
7 Central Bank of India Live Pilot Live Live
8 Bank of India Live Pilot Live Live
9 Canara Bank Live Pilot Live Live
10 Punjab National Bank Live Pilot Live -
11 Yes Bank Live Live* Live
12 ICICI Bank Live Pilot Live -
13 Indusind Bank Live Pilot Live Live
14 Utkarsh Small Finance Bank Live Pilot Live Live
15 Indian Overseas Bank Live Pilot Live Live
16 Punjab and Sind Bank Live - -
17 UCO Bank Live - -
18 HSBC Live - Live
19 Karur Vyasa Bank Live - -
20 Federal Bank Live - -
21 Ujjivan Small Finance Bank Live - -
22 Equitas Small Finance Bank Live - -
23 Suryoday Small Finance Bank Live - -
24 Fincare Small Finance Bank Live - -
25 Hitachi NA Pilot Live -

* On ATMs enabled for UPI-ATM

Also, 5 Co-Op Banks and 13 RRBs are live as an Issuer on UPI-ATM Cash withdrawal.

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