How to Withdraw Money Using Aadhaar Card

Withdrawing money using your Aadhaar card is simple and secure, thanks to AEPS (Aadhaar Enabled Payment System). This system allows you to access your bank account without a debit card or PIN, making it especially useful in rural areas or when you don’t carry your ATM card.

Who Can Withdraw Money Using Aadhaar Card

You can use AEPS for cash withdrawal if you:

• Have an Aadhaar-linked bank account 
• Are visiting a banking correspondent (BC) or micro-ATM outlet 
• Can authenticate transactions with your biometric data (fingerprint or iris scan) 

Key Features of Aadhaar Cash Withdrawal

• Cardless Transaction: No need for ATM or debit card
• Biometric Authentication: Ensures secure access to your account
• Quick Access: Cash is provided instantly through AEPS-enabled agents 
• Daily Limits: NPCI sets a maximum withdrawal of ₹10,000 per transaction; your bank may have its own limits 

How It Differs from ATM or UPI Withdrawals

• ATM: Requires a debit/ATM card and PIN 
• UPI: Requires a smartphone and app, and works mostly online 
• AEPS (Aadhaar Card): Works offline through micro-ATMs or BC outlets, ideal in remote locations

Step-by-Step Process to Withdraw Money Using Aadhaar Card

1. Link Aadhaar with Your Bank Account
   Ensure your Aadhaar number is seeded to your primary bank account. 
2. Visit an AEPS-Enabled Agent or Micro-ATM
   Go to a local BC outlet, micro-ATM, or authorized shop that supports AEPS. 
3. Provide Aadhaar Number and Bank Details
   Enter your 12-digit Aadhaar number and select the bank where your account is linked. 
4. Select “Cash Withdrawal”
   Choose Cash Withdrawal from the transaction menu. 
5. Enter Withdrawal Amount
   Specify the amount (up to the bank’s AEPS limit or ₹10,000 per transaction). 
6. Authenticate with Biometric
   Scan your fingerprint or iris for secure verification. 
7. Receive Cash and Receipt
   Once authenticated, the agent gives you the cash and transaction receipt. 

Tips for Safe AEPS Transactions

• Use trusted BC outlets or micro-ATMs only 
• Keep your transaction receipt and check bank statements 
• Avoid sharing your Aadhaar number or biometric details unnecessarily 
• In case of fraud, lock biometrics via the mAadhaar app 

Why Use Aadhaar for Cash Withdrawal

• Provides financial access in remote areas 
• Enables cardless and quick cash withdrawals

Secured by biometric authentication, reducing fraud risk