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Micro ATM Cash Withdrawal: Use Aadhaar Card to Withdraw Money Instantly, Detail Inside

Vikram Singh

February 22, 2026 at 4:17 PM IST · 3 min read

Withdraw Cash Without an ATM Card: In today’s digital age, waiting in long bank lines is a thing of the past. We use ATMs whenever convenient, but sometimes, in a hurry, we forget our debit cards at home and suddenly need cash. There’s no need to panic in such situations, as major advancements in banking technology have made withdrawing money without a card extremely easy.

By 2026, you can withdraw cash in a jiffy with your Aadhaar card and a UPI app. In this article, we’ll explain in detail how this secure cardless withdrawal process works and the simple steps you need to follow.

Withdraw Money from a Micro ATM Using AePS

SBI ATM Charges

SBI ATM

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

This process is completely biometric-based, eliminating the possibility 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 aren’t very technologically adept.

Withdraw Cash Directly from an ATM Using a Smartphone

Besides using an Aadhaar card, another modern method that allows you to withdraw cash without a card is UPI-ATM. Almost all major banks in the country have now integrated QR code scanning into their ATM machines. If you have a smartphone running any UPI app (such as Google Pay, PhonePe, or Paytm), you can take advantage of this. Select the ‘Cash Withdrawal via QR Code’ option on the ATM screen.

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

atm cash

Be mindful of security during cash withdrawals

When withdrawing money using your Aadhaar card and UPI, there are some important things to remember. The amount you can withdraw per day using your Aadhaar card depends entirely on your bank’s rules and your withdrawal limit. Different banks have different limits for security reasons.

Also, never forget to take your transaction receipt after withdrawing money from any micro ATM agent, so you have a solid record. When withdrawing money using UPI, make sure 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.

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