In today’s fast-paced world, there are moments when we suddenly find ourselves in need of cash, only to realize that we’ve left our debit card at home. This scenario raises a significant question: How can we withdraw money from an ATM without our card? You might have heard of “Cardless Cash Withdrawal” or UPI ATMs, but do you truly understand how to go about withdrawing cash without a physical card? If not, don’t worry—we’re here to guide you through the process!
This article aims to clarify what UPI ATMs are and outline how you can withdraw cash without a card. The terms “ATM” and “Cardless Cash” can often lead to confusion, but UPI ATMs provide a convenient solution by allowing cardless withdrawals. Here, we will break down the necessary steps and essential considerations for successfully completing a cash withdrawal using UPI.
How to Withdraw Cash Cardless Using UPI ATMs
- Firstly, ensure that your mobile number is registered with UPI.
- Approach the ATM and select the option for UPI Cash Withdrawal, Cardless Cash, or QR Cash.
- Next, enter the amount you wish to withdraw on the ATM screen.
- The ATM will generate a single-use dynamic QR code. Use any UPI app (such as PhonePe, Paytm, Google Pay, etc.) to scan this QR code.
- After scanning the code, enter your UPI PIN, and just like that, the cash will be dispensed from the ATM.
Important Notes on UPI ATM Withdrawals
Withdrawal Limit via UPI ATMs
When using UPI to withdraw cash from an ATM, the maximum amount you can withdraw in a single transaction is ₹10,000. It’s essential to note that this withdrawal will count toward your daily UPI transaction limit, which varies between users, so always be mindful of your limits.
Additional Considerations
Here are some additional tips to keep in mind when using UPI ATMs for cardless withdrawals:
- Check UPI App: Ensure your chosen UPI app is working smoothly and updated to the latest version to avoid any technical errors during the transaction.
- ATM Compatibility: Not all ATMs are equipped with UPI features; look for ATMs that specifically mention QRs or UPI withdrawals.
- Privacy: When entering your UPI PIN, make sure no one else can see your screen or your entry to protect your account information.
- Fees: While most banks do not charge for this type of withdrawal, it’s wise to check with your bank regarding any fees that may apply.
Conclusion
UPI ATMs Bring a new level of convenience to cash withdrawals, allowing you to access your money without needing a physical card. Following the simple steps above can make the process smooth and quick. Always remember to keep your UPI credentials secure and know your daily transaction limits to avoid any hiccups when you’re in need of cash. Next time you find yourself cashless, you’ll be well-equipped to handle the situation effortlessly!
