How to Use a Cardless ATM for Hassle-Free Cash Withdrawals

What is a cardless ATM?

A cardless ATM allows users to withdraw cash without using a physical debit or credit card. Instead, users authenticate transactions using a mobile banking app, UPI, or OTP-based verification. This method provides added security, as it reduces the risk of card skimming, loss, or theft.

Cardless ATM transactions use technologies like QR codes, Near Field Communication (NFC), and One-Time Passwords (OTP). Some ATMs require users to scan a QR code displayed on the ATM screen using their banking app, while others generate a transaction code that must be entered into the ATM.

Many banks in India, including SBI, HDFC, and ICICI, now offer cardless ATM withdrawals. Payment platforms such as the Bajaj Finserv BBPS also facilitate secure and efficient transactions through cardless ATMs. Users must ensure their mobile banking app or UPI service supports cardless withdrawals before attempting a transaction.

How do cardless ATM withdrawals work?

Here is how cardless ATM withdrawals work:

• Mobile banking app: Users initiate a withdrawal request through their bank's mobile app.
• OTP verification: Some banks send a one-time password (OTP) for transaction authentication.
• UPI ID or QR code: Users can scan a QR code on the ATM screen or enter their UPI PIN for verification.
• Cash dispensation: Once verified, the ATM dispenses cash without requiring a physical card.
• Security features: The process requires authentication via mobile banking credentials, making it secure against fraud.

Step-by-step guide to withdraw cash from a cardless ATM

Follow the steps to withdraw cash from a cardless ATM.


1. Open your bank’s mobile banking app or UPI app

2. Select the 'Cardless Cash Withdrawal' or 'UPI ATM Withdrawal' option

3. Enter the amount to be withdrawn and authenticate using your UPI PIN or mobile banking credentials

4. The app will generate an OTP, QR code, or UPI reference number

5. At the ATM, select the 'Cardless Withdrawal' or 'UPI Withdrawal' option

6. Enter the OTP, scan the QR code, or use the UPI reference number

7. The ATM dispenses cash after authentication

8. Confirm the transaction details in your bank app to ensure completion

Banks that offer cardless ATM withdrawals in India

Bank name	Method used	Supported platforms
SBI	OTP-based	YONO App, UPI
HDFC Bank	UPI & QR Code	HDFC Mobile Banking
ICICI Bank	UPI & OTP	iMobile Pay, UPI
Axis Bank	QR Code, UPI	Axis Mobile, UPI
Kotak Bank	Mobile App-Based	Kotak 811, UPI
Bank of Baroda	OTP & UPI	BOB World, UPI

Benefits of using cardless ATMs

Read the table to know the benefits of using cardless ATMs.

Benefits	Description
Enhanced security	Reduces risks of card theft, skimming, and fraud.
Convenience	No need to carry a physical debit or credit card.
Faster transactions	Simplifies cash withdrawals with a mobile device.
Supports UPI payments	Allows seamless integration with UPI apps.
24/7 availability	Accessible anytime through banking apps.
Reduces contact	Minimises physical contact with ATM surfaces.

Conclusion

Cardless ATMs offer a secure and convenient way to withdraw cash without a physical card. With authentication through mobile banking apps, UPI, or OTPs, these ATMs enhance security and reduce the risk of fraud.

Many banks in India, including SBI, HDFC, and ICICI, now provide cardless ATM services. Platforms like Bajaj Finserv BBPS simplify transactions by supporting multiple payment options. As digital banking evolves, cardless ATM withdrawals will likely become more widely adopted.