{"id":10202,"date":"2026-02-04T08:43:08","date_gmt":"2026-02-04T08:43:08","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10202"},"modified":"2026-02-04T08:43:08","modified_gmt":"2026-02-04T08:43:08","slug":"bank-of-india-upi-atm-meaning-how-it-works-steps-2026","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/bank-of-india-upi-atm-meaning-how-it-works-steps-2026\/","title":{"rendered":"Bank of India UPI ATM \u2013 Meaning, How It Works & Steps (2026)"},"content":{"rendered":"\n

Bank of India (BOI) UPI ATM<\/strong> allows you to withdraw cash from an ATM using UPI<\/strong>, without using a debit card. You just need your UPI app and mobile phone<\/strong>.<\/p>\n\n\n\n

Quick Summary<\/h2>\n\n\n\n
    \n
  • Service:<\/strong> UPI-based cash withdrawal<\/li>\n\n\n\n
  • Card needed:<\/strong> No<\/li>\n\n\n\n
  • Mobile needed:<\/strong> Yes (with UPI app)<\/li>\n\n\n\n
  • Availability:<\/strong> 24×7 (on enabled ATMs)<\/li>\n\n\n\n
  • Security:<\/strong> QR-based + UPI PIN<\/li>\n<\/ul>\n\n\n\n

    What Is BOI UPI ATM?<\/h2>\n\n\n\n

    UPI ATM is a facility where BOI ATMs (and some other bank ATMs) let customers withdraw cash by scanning a QR code<\/strong> using any UPI app like:<\/p>\n\n\n\n

      \n
    • BOI UPI<\/li>\n\n\n\n
    • BHIM<\/li>\n\n\n\n
    • Google Pay<\/li>\n\n\n\n
    • PhonePe<\/li>\n\n\n\n
    • Paytm<\/li>\n<\/ul>\n\n\n\n

      No debit card is required.<\/p>\n\n\n\n

      How to Withdraw Cash Using Bank of India UPI ATM<\/h2>\n\n\n\n

      Step-by-Step Process<\/h3>\n\n\n\n
        \n
      1. Go to a BOI ATM<\/strong> that supports UPI Cash Withdrawal<\/strong><\/li>\n\n\n\n
      2. On the ATM screen, select \u201cUPI Cash Withdrawal\u201d<\/strong><\/li>\n\n\n\n
      3. Enter the amount<\/strong> you want to withdraw<\/li>\n\n\n\n
      4. A QR code<\/strong> appears on the ATM screen<\/li>\n\n\n\n
      5. Open your UPI app<\/strong> on mobile<\/li>\n\n\n\n
      6. Scan the QR code<\/li>\n\n\n\n
      7. Confirm payment and enter your UPI PIN<\/strong><\/li>\n\n\n\n
      8. Collect cash from the ATM<\/li>\n<\/ol>\n\n\n\n

        That\u2019s it. The amount is debited instantly from your BOI account.<\/p>\n\n\n\n

        Who Can Use BOI UPI ATM?<\/h2>\n\n\n\n
          \n
        • BOI account holders with active UPI<\/strong><\/li>\n\n\n\n
        • Customers of other banks also (on interoperable UPI ATMs)<\/li>\n\n\n\n
        • Mobile number must be linked to bank account<\/strong><\/li>\n<\/ul>\n\n\n\n

          BOI UPI ATM Withdrawal Limits<\/h2>\n\n\n\n
            \n
          • Per transaction limit:<\/strong> As per UPI guidelines (usually up to \u20b910,000\u2013\u20b920,000 per withdrawal)<\/li>\n\n\n\n
          • Daily limit:<\/strong> Part of your UPI daily limit<\/li>\n<\/ul>\n\n\n\n

            Limits may vary by ATM and bank policy.<\/p>\n\n\n\n

            Charges for BOI UPI ATM<\/h2>\n\n\n\n
              \n
            • Generally free<\/strong>, within allowed limits<\/li>\n\n\n\n
            • Normal ATM withdrawal limits and policies may apply<\/li>\n<\/ul>\n\n\n\n

              Always check in your UPI app or with the bank for confirmation.<\/p>\n\n\n\n

              Benefits of BOI UPI ATM<\/h2>\n\n\n\n
                \n
              • No debit card required<\/li>\n\n\n\n
              • Useful if card is lost or damaged<\/li>\n\n\n\n
              • Lower risk of card skimming<\/li>\n\n\n\n
              • Fast and contactless<\/li>\n<\/ul>\n\n\n\n

                Common Issues & Fixes<\/h2>\n\n\n\n

                QR code not showing?<\/strong><\/p>\n\n\n\n

                  \n
                • ATM may not support UPI withdrawal yet<\/li>\n<\/ul>\n\n\n\n

                  Transaction failed but amount debited?<\/strong><\/p>\n\n\n\n

                    \n
                  • Amount is usually auto-reversed<\/strong> within a few working days<\/li>\n<\/ul>\n\n\n\n

                    Security Tips<\/h2>\n\n\n\n
                      \n
                    • Never share your UPI PIN<\/li>\n\n\n\n
                    • Scan QR only on the ATM screen<\/li>\n\n\n\n
                    • Avoid help from strangers at ATM<\/li>\n<\/ul>\n\n\n\n

                      FAQs<\/h2>\n\n\n
                      \n
                      \n
                      \n

                      Q. Can I use BOI UPI ATM without BOI UPI app?<\/strong><\/h3>\n
                      \n\n

                      A. Yes. Any UPI app can be used.<\/p>\n\n<\/div>\n<\/div>\n

                      \n

                      Q. Is UPI ATM available at all BOI ATMs?<\/strong><\/h3>\n
                      \n\n

                      A. Not yet. It is being enabled phase-wise<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n

                      \n

                      Q. Is internet required?<\/strong><\/h3>\n
                      \n\n

                      A. Yes, mobile internet is required to scan and approve payment.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                      Conclusion<\/h2><\/div>\n\n\n\n

                      Bank of India UPI ATM<\/strong> 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\u2014safe, fast, and convenient<\/strong>.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10202","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}