# Make cardless cash withdrawals from ATMs using UPI; No debit, credit cards needed- here's how | How-to (HT Tech) > You can now withdraw cash from ATMs without using the credit or debit card. Want to know how? You can do so via UPI. Know how to make cardless cash withdrawals from ATMs using UPI. # Make cardless cash withdrawals from ATMs using UPI; No debit, credit cards needed- here's how ## You can now withdraw cash from ATMs without using the credit or debit card. Want to know how? You can do so via UPI. Know how to make cardless cash withdrawals from ATMs using UPI. Aug 22 2022, 12:40 IST ![Follow on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/follow-us-facebook.png) ![Follow on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/follow-us-facebook-hover.png) ![Share](https://images.hindustantimes.com/tech/static/revamp/images/png/Share.png) ![Share](https://images.hindustantimes.com/tech/static/revamp/images/png/Shareclicked.png) ![Share on WhatsApp](https://images.hindustantimes.com/tech/static/revamp/images/png/whatsapp.png) ![Share on WhatsApp](https://images.hindustantimes.com/tech/static/revamp/images/png/whatsapp-hover.png) ![Share on Twitter](https://images.hindustantimes.com/tech/static/revamp/images/png/twitter.png) ![Share on Twitter](https://images.hindustantimes.com/tech/static/revamp/images/png/twitter-hover.png) ![Share on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/facebook.png) ![Share on Facebook](https://images.hindustantimes.com/tech/static/revamp/images/png/facebook-hover.png) ![Bookmark](https://images.hindustantimes.com/tech/static/revamp/images/png/Bookmark.png) ![Bookmarked](https://images.hindustantimes.com/tech/static/revamp/images/png/Bookmarked.png) ![Cardless cash withdrawals from ATMs.](https://images.hindustantimes.com/tech/img/2022/05/27/1600x900/atm-1524870_1920_1617440725769_1653629179018.jpg) Know how to make cardless cash withdrawals from ATMs using UPI. (Representative Image) (Pixabay) ![Author Photo](https://images.hindustantimes.com/tech/static/revamp/images/png/HTTech-new-circle-logo.png) ### By HT TECH How do you withdraw cash from ATMs or banks? You need a credit or debit card for the same. But what if we tell you that you can also withdraw cash without using the credit or debit card? Now customers will be able to withdraw money from bank ATMs via Unified Payment Interface (UPI). "It is now proposed to make cardless cash withdrawal facility available across all banks and ATM networks using the UPI," RBI Governor Shaktikanta Das had said in his first monetary policy statement for the financial year 2022-23. Currently, cardless cash withdrawal through ATMs is offered by a few banks for their customers at their own ATMs. Banks that offer the cardless cash withdrawal through ATMs include State Bank of India (SBI), Punjab National Bank (PNB), HDFC Bank, among others. Cardless cash withdrawal can help in containing frauds like skimming, card cloning, device tampering, among others. Also Read: Xbox Series S MASSIVE price cut in India! Check out this gaming console deal Meanwhile, it can be known that UPI is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing and merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience, according to NPCI. Also read click here. People are already using UPI payment making applications like Google Pay, PhonePe, Paytm, among others to make online cash transactions. All you need to have is a bank account, any of the UPI payment making applications installed in your smartphone, and a valid phone number. Also Read: Google Pay: Know how to create UPI ID to make online payments Also, it needs to be noted that the central bank will not stop issuing the credit card or debit card as these cards have many other utilities other than cash withdrawals. ## Here is how one can withdraw cash using UPI from ATMs Step 1: The bank customer will have to scan the QR code available on the ATM screen in order to perform the required transaction. Step 2: After scanning the QR code you will have to authenticate the transaction by entering the mPIN on your smartphone, making it a faster and secure way of cash withdrawal/deposit. Catch all the Latest Tech News, Mobile News, Laptop News, Gaming news, Wearables News , How To News, also keep up with us on Whatsapp channel,Twitter, Facebook, Google News, and Instagram. 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