How to withdraw cash without an atm card


In today’s digital age, while UPI payments have become the norm for many transactions, there are still times when cash is necessary. Forgetting your ATM card when you urgently need cash can be a daunting situation. However, there’s a lesser-known method that allows you to withdraw cash without needing your physical debit card. Here’s how you can seamlessly withdraw cash using UPI-based apps like BHIM, Paytm, Google Pay, PhonePe, and more.

Using UPI Apps for Cardless Withdrawal

To initiate a cardless withdrawal, you first need to locate an ATM that supports this feature. Most major banks now offer this service to facilitate convenient transactions for their customers. Here’s a step-by-step guide:

  1. Locate a Supported ATM: Look for an ATM that advertises cardless withdrawal services. These ATMs typically display instructions on their screens or have visible QR codes for scanning.
  2. Select Cardless Withdrawal Option: Once at the ATM, select the ‘Cardless Withdrawal’ option. This prompts the machine to prepare for a transaction without requiring your physical debit card.
  3. Open Your UPI App: Launch your preferred UPI app on your smartphone. This could be BHIM, Google Pay, or any other app linked to your bank account.
  4. Scan the QR Code: Use your UPI app to scan the QR code displayed on the ATM screen. This QR code acts as the link between the ATM and your bank account.
  5. Authenticate Through UPI: After scanning the QR code, the UPI app will prompt you to authenticate the transaction. This usually involves entering your UPI PIN or using biometric authentication, depending on your app’s settings.
  6. Withdraw Cash: Once authenticated, you can specify the amount you wish to withdraw. The ATM will dispense the cash without requiring your physical debit card.

Security of UPI-Based Cash Withdrawals

One of the primary concerns with any financial transaction is security. The Reserve Bank of India (RBI) has endorsed UPI-based cardless withdrawals as a secure method for accessing cash. Here’s why this method is considered safe:

  • Protection Against Card Cloning: Unlike traditional ATM transactions that rely on physical cards susceptible to cloning, UPI transactions are authenticated through secure channels directly linked to your bank account.
  • Encryption and Authentication: UPI transactions are encrypted end-to-end, ensuring that your financial information remains secure during the entire transaction process.
  • Transaction Limits: As an added security measure, UPI-based cardless withdrawals are subject to daily transaction limits. Currently, users can withdraw up to Rs 10,000 per day using this method, which helps mitigate risks associated with large, unauthorized withdrawals.

Convenience and Time-Saving Benefits

Beyond security, UPI-based cardless withdrawals offer significant convenience advantages:

  • No Need for Physical Card: Forget fumbling for your ATM card or worrying about misplacing it. With UPI, your smartphone acts as your virtual ATM card, reducing the risk of loss or theft.
  • Accessibility: Cardless withdrawals make it easier for individuals who may not have their physical debit cards on hand but need urgent access to cash.
  • Time Efficiency: The entire process of withdrawing cash via UPI is streamlined and efficient. You eliminate the need to wait in line at ATMs or carry multiple cards for different accounts.


In conclusion, withdrawing cash without an ATM card using UPI-based apps provides a secure and efficient alternative to traditional methods. With endorsements from regulatory bodies like the RBI and the increasing adoption by major banks, this method ensures that your financial transactions remain safe and convenient. Next time you find yourself without your debit card at an ATM, remember that your smartphone and a trusted UPI app can still provide you with quick access to the cash you need.

By leveraging technology and adhering to stringent security protocols, UPI-based cardless withdrawals represent the future of banking convenience. Embrace this modern approach to financial transactions and enjoy hassle-free access to your funds anytime, anywhere.


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