The Bank of Baroda (BoB) has come up with a unique scheme where one can withdraw money from an ATM machine through their UPI. The facility, known as interoperable cardless cash withdrawal (ICCW), allows an account holder to withdraw money from an ATM machine without using their ATM cards. 

• On selecting the option 'UPI Cash Withdrawal' at a Bank of Baroda ATM, the customer needs to enter the withdrawal amount, post which a QR code is displayed on the ATM screen.
• Explaining the process, the lender said the customer will scan the QR code using a UPI app enabled for ICCW and then authorise the transaction with her/his UPI PIN on the mobile phone to withdraw the cash from the ATM. 
• If multiple bank accounts are linked to a single UPI ID, ICCW functionality gives customers the option to select the account to be debited. 
• Customers can avail two transactions a day per account with a withdrawal limit of Rs 5,000 per transaction.