Bank of India UPI ATM – Meaning, How It Works & Steps (2026)
Bank of India (BOI) UPI ATM allows you to withdraw cash from an ATM using UPI, without using a debit card. You just need your UPI app and mobile phone.
Quick Summary
- Service: UPI-based cash withdrawal
- Card needed: No
- Mobile needed: Yes (with UPI app)
- Availability: 24×7 (on enabled ATMs)
- Security: QR-based + UPI PIN
What Is BOI UPI ATM?
UPI ATM is a facility where BOI ATMs (and some other bank ATMs) let customers withdraw cash by scanning a QR code using any UPI app like:
- BOI UPI
- BHIM
- Google Pay
- PhonePe
- Paytm
No debit card is required.
How to Withdraw Cash Using Bank of India UPI ATM
Step-by-Step Process
- Go to a BOI ATM that supports UPI Cash Withdrawal
- On the ATM screen, select “UPI Cash Withdrawal”
- Enter the amount you want to withdraw
- A QR code appears on the ATM screen
- Open your UPI app on mobile
- Scan the QR code
- Confirm payment and enter your UPI PIN
- Collect cash from the ATM
That’s it. The amount is debited instantly from your BOI account.
Who Can Use BOI UPI ATM?
- BOI account holders with active UPI
- Customers of other banks also (on interoperable UPI ATMs)
- Mobile number must be linked to bank account
BOI UPI ATM Withdrawal Limits
- Per transaction limit: As per UPI guidelines (usually up to ₹10,000–₹20,000 per withdrawal)
- Daily limit: Part of your UPI daily limit
Limits may vary by ATM and bank policy.
Charges for BOI UPI ATM
- Generally free, within allowed limits
- Normal ATM withdrawal limits and policies may apply
Always check in your UPI app or with the bank for confirmation.
Benefits of BOI UPI ATM
- No debit card required
- Useful if card is lost or damaged
- Lower risk of card skimming
- Fast and contactless
Common Issues & Fixes
QR code not showing?
- ATM may not support UPI withdrawal yet
Transaction failed but amount debited?
- Amount is usually auto-reversed within a few working days
Security Tips
- Never share your UPI PIN
- Scan QR only on the ATM screen
- Avoid help from strangers at ATM
FAQs
Q. Can I use BOI UPI ATM without BOI UPI app?
A. Yes. Any UPI app can be used.
Q. Is UPI ATM available at all BOI ATMs?
A. Not yet. It is being enabled phase-wise.
Q. Is internet required?
A. Yes, mobile internet is required to scan and approve payment.
Conclusion
Bank of India UPI ATM is a modern, cardless way to withdraw cash using UPI. If your nearby BOI ATM supports it, you can easily get cash with just your phone and UPI PIN—safe, fast, and convenient.
