India, Nov. 3 -- Carrying a debit card is no longer a requirement for withdrawing money from an ATM. A growing number of banks now offer cardless cash withdrawals powered by the Unified Payments Interface (UPI). This feature allows users to take out cash using mobile payment apps such as Google Pay, PhonePe, Paytm, or BHIM. The service, officially known as Interoperable Cardless Cash Withdrawal (ICCW), lets customers scan a QR code displayed on the ATM screen and complete the transaction through their UPI app, which makes the process quick and secure.

Here's a detailed look at how this system works, what is required, and the steps to follow for a smooth cash withdrawal.

Before using the cardless withdrawal option, make sure you have:

Y...