Google Pay's support for ATM withdrawals isn't as obvious as that of its direct competitor, Apple Pay, and it is only limited to some regions.
That said, if you are located in India, you can easily withdraw cash from Google Pay at an ATM without using your debit card through UPI Cash withdrawal that lets you do a cardless withdrawal at some ATMs within the country.
How to Find & Use Google Pay ATMs Near Me
The UPI Cash withdrawal feature isn't available at all ATMs, and depending on the ATM, it can be represented with other names like ICCW or even Interoperable Cardless Cash Withdrawal. This feature works like any normal UPI transaction by just scanning a QR code on Google Pay, after which you'll be dispensed your cash.
Step 1: Visit any Nearby ATM with UPI Cash Withdrawal
The first thing you'll want to do is visit any nearby ATM that supports UPI Cash withdrawals. You can narrow down your options by checking which banks or ATMs support UPI cash withdrawals.
After you've found an ATM, you'll need to take the following steps to initiate a cardless withdrawal:
- Select one of the options below depending on what's available on the ATM
UPI Cash Withdrawal
ICCW
Interoperable Cardless Cash Withdrawal. - Enter the amount you want to withdraw.
The ATM will generate a secure and signed dynamic QR code on the ATM screen for 30 seconds. It is this code that you'll have to scan from Google Pay to access your cash.
Step 2: Complete the Transaction on Google Pay
The next steps will have to be completed on Google Pay. You have just 30 seconds to scan the code to complete the transaction, so you need to be fast.
- Open Google Pay and scan the QR code on the ATM screen. The amount and payee details are already pre-filled.
- Select the bank account you want to withdraw cash from on the bank accounts listed on the payflow screen.
- Finally, enter your UPI PIN to complete the transaction
Step 3: Collect Your Cash
After you've completed the steps on Google Pay, the ATM should dispense your cash.
How Much Can I Withdraw Through Google Pay UPI Cash Withdrawal?
The maximum amount you can withdraw through UPI Cash withdrawal is ₹10,000 INR through Google Pay, and this amount should be in multiples of ₹100 INR.
Alternative Method for Those Outside India
If you are located outside India, you won't be able to access cardless ATMs with Google Pay. That said, you can always consider withdrawing the funds to your bank account or debit card linked to Google Pay (especially for US residents) before you can withdraw the funds from your bank ATM.
There might be fees for withdrawing money from Google Pay to your bank, so make sure you are aware of how much will be charged before initiating the withdrawal.
Final Thoughts
Google Pay ATMs aren't easily accessible because only a few cardless ATMs in India support them. If you aren't located in India, you can always consider withdrawing the funds to your linked bank before accessing them through your banks ATM.
