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India’s First UPI ATM Unveiled: The Safest Way To Withdraw Cash


New Delhi: India has introduced its first-ever UPI ATM (Unified Payments Interface Automated Teller Machine), marking a significant development in the country’s digital payment landscape. The UPI has rapidly grown to become the most popular digital payment method in India, accounting for over 50% of all digital transactions. The UPI ATM is being launched as a White Label ATM (WLA) in partnership with Hitachi Payment Services and the National Payments Corporation of India (NPCI).

Sumil Vikamsey, MD and CEO of Cash Business at Hitachi Payment Services, explained that this new UPI ATM allows customers from any bank to conveniently withdraw cash using QR-based UPI transactions.

The NPCI expressed its enthusiasm for this innovative addition to ATM services. “We are delighted to empower customers with this innovative and customer-friendly enhancement for ATM transactions. The launch of the ‘UPI ATM,’ will mark a significant milestone in banking services by seamlessly integrating the convenience and security of UPI into traditional ATMs. This feature enables quick and easy access to cash without a physical card, even in remote areas”, NPIC said. The UPI ATM offers a seamless and secure cash withdrawal process.

How to withdraw cash from UPI ATM

  1. Select the amount you wish to withdraw.

2. Once you select the amount, a UPI QR code will be generated/displayed for you to use.

3. Scan the QR code using your UPI app.

4. Enter your UPI PIN to authorise the transaction.

5. Collect your cash.

How will it be different from the cardless cash withdrawals?

Currently, cardless cash withdrawals require mobile numbers and OTPs, while UPI ATM allows for QR-based UPI cash withdrawals. The UPI ATM is only accessible to UPI users and the user must have a UPI application installed on either their Android or iOS smartphones to perform transactions.

Hitachi Payment Services is a 100% subsidiary of Hitachi Ltd. and a pioneer in the Indian payment industry. It offers a comprehensive range of payment solutions.


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