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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 (ICCW) 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 Banks / Members / APPs Issuer Acquirer UPI APP
1 BHIM UPI APP - - Live
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 - Live
16 HSBC 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