Debit cards have always been the primary way to withdraw money from an ATM machine. However, recently, NCR Corporation has announced that they are upgrading the ATM machines across the country with its first Interoperable Cardless Cash Withdrawal (ICCW) solution based on UPI platforms that will allow users to withdraw money using UPI apps installed on the smartphone.
This means users can withdraw money from ATM machines without using their debit or credit cards. The added functionality will come in handy in crisis situations like lost/forgot cards, card declined, etc.
If you are wondering, how to withdraw money using UPI apps from ATM, follow our step-by-step guide:
Pre-requisites:
An ATM machine with UPI service
Any UPI-based payment app like GPay,
PhonePe, Amazon Pay, Paytm
Working internet connection
1.
Head to any ATM machine and choose Withdraw Cash option
2.
After this, choose the option UPI on the ATM machine screen
3.
A QR code will be shown on the ATM screen
4.
Now, open any UPI-based payment app on your phone and turn on the QR code scanner
5.
Once the code is scanned, enter the amount you want to withdraw (currently limited to Rs 5,000)
6.
Hit Proceed and enter the UPI PIN to withdraw the money.
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Top CommentVaibhav Sharma
185 days ago
This is the end of debit/atm cards. Great to see such facilities in a developing nation
Last updated: 15/11/2022 09.10 AM
Can I use Google PayTM at contactless enabled ATMs, over the counter at bank branches, or to withdraw cash at retailers?
No, at this stage Google Pay will not work at contactless enabled ATMs, over the counter at bank branches or to withdraw cash at retailers with purchases.
You will need to use your physical cards to complete these transactions.
Google Pay is a digital wallet and online payment system that allows you to use your Android device to make purchases in store, in apps and online without needing your physical debit or credit card. This guide covers what Google Pay is, how it works, how to use it and what US banks currently offer it.
Which US banks support Google Pay?
Google Pay works with debit and credit cards from nearly every US financial institution — including credit unions. More than 20 popular banks that support Google Pay also support mobile payment apps like Apple Pay and Samsung Pay.
Ally Bank | |||
American Express | |||
Axos Bank | |||
Bank of America | |||
Bank of the West | |||
Barclays | |||
BBVA Compass | |||
Capital One | |||
Chase | |||
Chime | |||
Citi® | |||
Discover | |||
Green Dot | |||
HSBC | |||
Marcus by Goldman Sachs | |||
M&T Bank | |||
Navy Federal Credit Union | |||
Nationwide | |||
Juno | |||
PNC | |||
Regions Bank | |||
Revolut | |||
Square | |||
Synchrony | |||
SoFi | |||
TD Bank | |||
USAA | |||
US Bank | |||
Wells Fargo | |||
International banks that offer Google Pay
This table highlights international banks that support Google Pay, along with the countries they operate in.
BBVA |
|
Citi® |
|
HSBC |
|
N26 |
|
Revolut |
|
Wise |
|
How Google Pay works
Once you’ve stored your cards in Google Pay, you can make contactless payments in stores by holding your Android device up to a card reader. There’s a near field communication (NFC) chip inside your phone and the card reader. Both chips connect to each other and process the payment without needing your physical card or PIN.
How to add a debit or credit card to Google Pay
You can add a new card to Google Pay in a matter of minutes:
- Download the Google Pay app on your mobile device.
- Open the Google Pay app on your mobile device.
- Tap Payment at the bottom of the screen and select + Payment method.
- Scan the front of your debit or credit card or add your card number and expiration date manually.
- Enter the CVC number found on the back of your card.
- Review Google’s Payments Terms of Service and Privacy Notice.
- Tap Save.
- Your card provider may want to verify your payment method by email, text or phone. Select your preferred method of verification.
- Enter the verification code you receive.
- Once verified, you can use your newly added card to make payments through Google Pay.
Eligibility
You must be at least 16 years old to use Google Pay. If you’re under age 18, you’ll need a parent or legal guardian’s permission before you can accept the terms and conditions and use the app.
How many cards can I add to Google Pay?
You can store as many cards as you’d like in Google Pay. There’s no limit.
Can I use Google Pay internationally?
You can use Google Pay worldwide at any store that accepts contactless payments. As of May 2020, you can use Google Pay in any of the following locations:
- Australia
- Belgium
- Brazil
- Canada
- Chile
- Croatia
- Czech Republic
- Denmark
- Finland
- France
- Germany
- Hong Kong
- Ireland
- Italy
- Japan
- New Zealand
- Norway
- Poland
- Russia
- Singapore
- Slovakia
- Spain
- Sweden
- Switzerland
- Taiwan
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
Compare accounts compatible with Google Pay
All of these products can be added to Google Pay. Consider adding a debit or credit card with rewards on everyday purchases to get the most value from your digital wallet.
- Google Pay debit
- Google Pay credit
Bottom line
With Google Pay, you can make in-store and online purchases using your mobile device as a digital wallet. But this contactless payment system only works on Android devices and with eligible debit and credit cards.
Frequently asked questions
Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years, with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business. She has previously worked at Westpac, and has written for several other major banks including BCU, Greater Bank and Gateway Credit Union. Alison has a Bachelor of Communications from Newcastle University, with a double major in Journalism and Public Relations. She has ASIC RG146 compliance certificates for Financial Advice, Securities and Managed Investments and Superannuation. Outside of Finder, you’ll likely find her somewhere near the ocean.
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