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No More Wallets Required: Bank of Baroda Introduces UPI Cash Withdrawals at ATMs

In a groundbreaking move, Bank of Baroda, one of India’s leading public sector banks, has revolutionized the way customers access cash by introducing a new feature at its ATMs. Customers can now withdraw cash using the Unified Payments Interface (UPI), eliminating the need to carry physical cash or cards.

With the increasing popularity of digital payment systems and the widespread adoption of UPI in India, Bank of Baroda’s decision to integrate UPI into its ATMs marks a significant step towards a cashless economy. This innovative offering aligns with the government’s vision of promoting digital transactions and reducing dependence on cash.

The new feature allows Bank of Baroda customers to withdraw cash seamlessly using their UPI-enabled smartphones. Previously, customers relied on their debit cards and PIN numbers to access cash from ATMs. However, with the integration of UPI, customers can now initiate a cash withdrawal transaction directly from their mobile banking apps or any UPI-enabled payment app.

To avail themselves of this convenient service, Bank of Baroda customers simply need to follow a few simple steps. First, they need to open their UPI-enabled mobile banking app or a UPI app of their choice. Then, they can select the option to withdraw cash from an ATM. After entering the desired amount and confirming the transaction, customers receive a unique one-time password (OTP) on their registered mobile number. At the Bank of Baroda ATM, customers can enter the OTP and collect their cash, without the need for a physical card.

By introducing UPI-based cash withdrawals, Bank of Baroda aims to enhance customer convenience and offer a secure, contactless banking experience. This innovative approach eliminates the risk of card skimming and fraud associated with physical cards and reduces the chances of misplacing or losing them.

Bank of Baroda has been at the forefront of embracing digital technologies to cater to evolving customer needs. This move is part of the bank’s larger strategy to transform its services and provide customers with cutting-edge banking solutions. The integration of UPI with its ATM network further strengthens the bank’s position as a leader in digital banking innovation.

As India moves closer to becoming a digital-first economy, Bank of Baroda’s initiative paves the way for other financial institutions to follow suit. This move has the potential to revolutionize the traditional ATM experience and accelerate the adoption of UPI-enabled transactions across the country.

With Bank of Baroda’s UPI-enabled cash withdrawals, the days of carrying physical cash or cards may soon become a thing of the past. Customers can now enjoy the convenience and security of digital transactions while having access to their money anytime, anywhere.


Bank of Baroda’s integration of UPI with its ATMs heralds a new era of cashless transactions. By leveraging UPI technology, the bank has empowered its customers to withdraw cash easily, securely, and without the need for physical cards. This bold step reaffirms Bank of Baroda’s commitment to innovation and customer-centric banking solutions.

Source : HowToHindi.In



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