Accessing cash is now simpler and stress-free. By 2026, withdrawing money without a physical card is easy and secure. Use your Aadhaar card at a micro ATM or your smartphone with a UPI app at an ATM.

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.