SBI UPI ATM withdrawal failed? How to get your refund using the SBI complaint portal

An experience at a State Bank of India (SBI) ATM in West Bengal reflects the operational realities of Interoperable Cardless Cash Withdrawal (ICCW).

The frustrated customer took to social media to tag @TheOfficialSBI and @UPI_NPCI, sparking a quick response from the bank's digital support team.

How to recover your money: SBI's official instructions

If you face a similar "Debit Success, Cash Not Dispensed" error during a UPI-ATM transaction, SBI has outlined a specific protocol to ensure the funds are reversed.

• Go to https://crh.sbi.bank.in/(SBI’s Complaint Management System).

• Use your registered mobile number to sign in.

• Select the "Raise Request/Complaint" option and choose the affected Account Number.

• Select a financial transaction-related issue.

• Choose the specific transaction from your history.

• UPI (BHIM SBI PAY / GPAY / etc.)

• UPI Merchant Transaction

• Provide a brief description of the incident (Date, Time, ATM ID).

What happens next?

Once the complaint is registered, customers will receive a unique complaint number via SMS or email. Under RBI guidelines, banks are generally required to reverse failed ATM transactions within 5 working days.

If the bank fails to credit the money within this window, they are liable to pay a compensation of ₹100 per day to the customer.

Always keep a screenshot of the "Transaction Failed" screen or the SMS alert of the debit for your records when using QR-based cash withdrawals.