Forgot Your Debit Card? Withdraw Money from ATM Using Aadhaar

In today’s digital age, waiting in long queues at banks is a thing of the past. We use ATMs when necessary, but sometimes in a hurry, we forget our debit card at home and step out. Then suddenly, we need cash, but we don’t have it. There is no need to panic in this situation, as major advancements in banking technology have made it extremely easy to withdraw money without a card.

By 2026, you will be able to withdraw cash in a matter of seconds using your Aadhaar card and a UPI app. This report explains in detail how the secure cardless withdrawal process works and what simple steps you need to follow.

Withdraw money from micro ATMs using AePS

In the absence of an ATM card, your Aadhaar card acts as a savior. Anyone can easily withdraw cash through the Aadhaar Enabled Payment System (AePS). You don’t have to visit any major bank branch; instead, you can contact a Business Correspondent (BC) in your area who offers micro ATMs.

The process is completely biometric-based, which eliminates the chances of fraud. Micro ATM operators are authorized agents appointed by banks to provide banking services in villages and towns. This withdrawal facility is ideal for those who are not very tech-savvy.

Direct cash withdrawal from ATM using smartphone

Apart from using Aadhaar card, another modern method of cardless cash withdrawal is UPI-ATM. Almost all major banks in the country have now integrated QR code scanning into their ATM machines. If you have a UPI app (like Google Pay, PhonePe, or Paytm) on your smartphone, you can take advantage of it. Select the ‘Withdraw cash via QR code’ option on the ATM screen.

A QR code will then appear on the screen, which you need to scan with your mobile app. After entering the amount and your UPI PIN in the app, the cash will be dispensed instantly from the ATM. This method is the safest for those who want to avoid the hassle of carrying a physical card.

Keep security in mind while withdrawing cash

While withdrawing money using your Aadhaar card and UPI, there are some important things to keep in mind. The amount of money you can withdraw daily using your Aadhaar card depends entirely on your bank’s rules and your withdrawal limit. Different banks have different limits for security reasons.

Also, don’t forget to take a receipt of your transaction after withdrawing money from any micro ATM agent, so that you have a solid record. While withdrawing money using UPI, make sure that you don’t enter your PIN in front of anyone. These new banking features not only save time but also provide financial relief in emergency situations.