- By Kamakshi Bishnoi
- Tue, 31 Mar 2026 04:58 PM (IST)
- Source:JND
An ATM card is often considered the key to withdraw cash for ATM, but many people forget to carry this key with them. To ease the withdrawal process, several ATMs have launched QR codes or Aadhaar-enabled systems to allow customers to withdraw cash at an ATM without using a debit or ATM card. This new technology makes ATMs easier to use for all customers.
ATM withdrawals have historically required a physical card; however, modern ATMs have included cardless features that allow customers to access funds without needing a physical ATM card to do so.
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Customers may access cash via QR codes using their UPI app (Unified Payments Interface) at select ATMs.
The following steps outline the process:
- Check if the ATM supports QR code withdrawal.
- Select the QR withdrawal option on the ATM screen.
- Scan the displayed QR code using any UPI app.
- Enter the required details and your UPI PIN (same as used for payments).
- Confirm the transaction to receive cash from the ATM.
Aadhaar-based withdrawals are available at micro ATMs, not regular ATMs.
Follow these steps:
- Locate a nearby micro ATM.
- Select the “Cash Withdrawal” option.
- Enter your PIN.
- Input your area PIN code.
- Enter your Aadhaar number.
- Complete authentication to receive the cash.
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These developments are part of a larger goal to increase the accessibility of digital banking and increase the number of people who participate in formal financial systems, regardless of whether they have a physical debit card.
