How to Withdraw Money from ATM Machine through UPI: Step-by-Step Guide

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With the advent of Unified Payments Interface (UPI), withdrawing money from an ATM machine has become a seamless and convenient process. UPI allows you to link your bank account to a virtual payment address, enabling easy transactions without the need for physical cards or cash. In this article, we will guide you through the step-by-step process of withdrawing money from an ATM machine using UPI.

Step 1: Install a UPI-enabled App

The first step is to download and install a UPI-enabled app on your smartphone. Popular options include Google Pay, PhonePe, and Paytm. These apps are available for both Android and iOS devices.

Step 2: Link Your Bank Account

Once you have installed the app, open it and follow the instructions to link your bank account. You will need to provide your bank account details and verify your mobile number through an OTP (One-Time Password) sent to your registered mobile number.

Step 3: Set Up a UPI PIN

After linking your bank account, you will be prompted to set up a UPI PIN. This PIN is required for all UPI transactions, including ATM withdrawals. Make sure to set a strong and unique PIN to ensure the security of your transactions.

Step 4: Find a UPI-enabled ATM

Now that your UPI account is set up, you need to find an ATM machine that supports UPI withdrawals. These ATMs are equipped with UPI-enabled card readers and display the UPI logo.

Step 5: Insert Your Debit Card

Insert your debit card into the ATM machine and enter your PIN. This will authenticate your identity and allow you to access your bank account.

Step 6: Choose the UPI Withdrawal Option

Once you have successfully logged in, select the UPI withdrawal option on the ATM screen. This option may be labeled differently depending on the bank, but it should be easily identifiable.

Step 7: Enter the Withdrawal Amount

Next, enter the amount you wish to withdraw from the ATM. The maximum withdrawal limit may vary depending on your bank and account type.

Step 8: Enter Your UPI Virtual Payment Address

After entering the withdrawal amount, you will be prompted to enter your UPI virtual payment address. This address is associated with your bank account and acts as your unique identifier for UPI transactions.

Step 9: Confirm the Transaction

Review the details of your withdrawal, including the amount and virtual payment address, and confirm the transaction. Once confirmed, the ATM machine will dispense the requested amount.

Step 10: Collect Your Receipt

After the transaction is complete, remember to collect your receipt from the ATM machine. The receipt will contain important information such as the transaction reference number for future reference.


By following these simple steps, you can easily withdraw money from an ATM machine using UPI. This convenient and secure method eliminates the need for physical cards and cash, making transactions hassle-free. So, go ahead and try out UPI-enabled ATM withdrawals for a seamless banking experience.

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