ATM Charges You Have To Pay For Making Cash Transactions
Top banks in the country offer ATM-cum-debit cards but levy certain usage charges. From State Bank of India (SBI), the country's largest lender, to private sector peers like HDFC Bank and ICICI Bank - lenders offer a fixed number of ATM transactions free of cost every month. The ATM charges apply depending on the type - whether it belongs to the same bank where the customer's account is located or some other bank - and nature of ATM - whether the ATM is located in a metropolitan or any other city in the country.
Here's a comparison of various types of ATM charges levied by SBI, PNB Bank, HDFC Bank ICICI Bank:
State Bank of India (SBI)
Here are the various charges of SBI's ATM cards as stated on sbi.co.in:
| Particulars | Card/Charges | Charges |
|---|---|---|
| Debit Card Issuance Charges | Normal (Classic/Global) | Nil |
| Gold Debit Card | 100/- (including service tax) | |
| Platinum Debit Card | 306/- (including service tax) | |
| Debit Card Annual Maintenance Charges (Recovered at the beginning of the second year onwards) | Classic Debit Card | 100/- plus service tax |
| Silver/Global /Yuva /Gold Debit Card | 150/- plus service tax | |
| Platinum Debit Card | 200/- plus service tax | |
| Pride/Premium Business Debit Card | 300/- plus service tax | |
| Debit Card Replacement Charges | Rs.204/- (including service tax) | Â |
| Duplicate PIN/ Regeneration of PIN | Rs.51/- (including service tax) | Â |
| Domestic Transaction Charges | Transactions at State Bank Group ATMs | Free |
| Other Bank ATMs - Up to 5 Transactions during a calendar month (for savings bank account only) | Free | |
| Other Bank ATMs - Beyond 5 transactions(in Savings account) AND other than savings account: | Â | |
| Financial Transaction: | 17/- (including service tax) | |
| Non-Financial Transaction | 6/- (including service tax) |
Punjab National Bank (PNB)
Here are the various charges of PNB's ATM cards as stated on pnbindia.in:
| Particulars Of Charges | Charges |
|---|---|
| Type of Card | Â |
| Platinum Card | Rs 300/- |
| International Card | Rs 200/- |
| Prepaid Card | Rs 20/- |
| Other Card | Nil |
| Charges for Issue of Duplicate ATM/Debit Card/Replacement of ATM/Debit Card | Rs. 200/- |
| ATM/Debit Card (including Add on Cards) Annual Fee on completion of one year and thereafter to be charged on yearly basis. | Rs. 100/- |
| Charges for issuing Add on Card | Rs. 100/- per card |
| Charges for issue of duplicate PIN (However, if the Card has not been used even once due to error in printing of PIN, issue of Duplicate PIN shall be free) | Rs. 50/- |
| Issue of ATM/Debit Card with photograph of the Cardholder | Rs. 25/- |
| Mitra Card Annual Fee/Duplicate PIN/Duplicate Card Charges | Nil |
| Mark up Charges for each POSP transaction at Petrol Pumps, Restaurants and for Railway Bookings, etc. | @2.5% subject to minimum of Rs.10/- |
HDFC Bank
Here are the various charges of HDFC Bank's ATM cards as stated on hdfcbank.com:
| ATM / DEBIT CARD RELATED CHARGES | |
|---|---|
| ATM card | No Charge |
| ATM card - Replacement charges | Replacement of a lost card - Rs 200 (plus taxes) |
| ATM card - Transaction charge - non HDFC Bank domestic ATMs | No Charge (effective 1st Dec 2014) |
| Debit Card - Annual Fee - Regular | Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14) |
| Debit Card - Renewal Fee - Regular | Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14) |
| Debit Card - Annual Fee - Platinum | Rs 750 per year (plus taxes) (w.e.f. 1st June'15) |
| Debit Card - Renewal Fee - Platinum | Rs 750 per year (plus taxes) (w.e.f. 1st June'15) |
| Debit Card - Replacement charges | Replacement/Reissuance Charges for Debit Cards - Rs. 200 plus applicable taxes |
| Add-on debit card - Regular | One add-on card - No Charge for the first year |
| Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14) | |
| Debit Card - Transaction charge - HDFC Bank ATMs | No Charge |
| Debit Card - Transaction charge - non HDFC Bank domestic ATMs | First 5 Transactions Free across all Cities |
| Transactions over and above free limit will be charged as under: | |
| Cash withdrawal - Rs. 20 plus applicable taxes (W.e.f 1st Nov'17) | |
| Non-Financial Transaction - Rs. 8.5 plus applicable taxes (W.e.f 1st Nov'17) | |
| PIN regeneration charge | Rs 50 (plus taxes) |
| Number of Cash transactions | 4 free cash transactions per month |
| (Cumulative of Deposit and Withdrawal) | 5th transaction onwards - Rs.150/- per transaction plus applicable taxes (W.e.f 1st Nov'17) would be levied |
| Value of Cash transactions | Any HDFC Branch |
| (Cumulative of Deposit and Withdrawal) | 2 lakh - Free per month per account. |
| Above 2 lakh - Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- plus applicable taxes (W.e.f 1st Nov'17) | |
| Third party Cash transaction | Upto a limit of Rs.25,000/- per day - Rs.150/- plus applicable taxes (W.e.f 1st Nov'17) |
| (Cumulative of Deposit and Withdrawal) | Above Rs.25,000/- not allowed |
ICICI Bank
Here are the various charges of ICICI Bank's ATM cards as stated on icicibank.com:
| Transaction type | Transaction charges |
|---|---|
| Joining Fee | Rs. 250 + GST as applicable |
| Annual Fee | Rs. 250 + GST as applicable |
| Lost card replacement | Rs. 199 + GST as applicable |
| Cash withdrawal from ICICI Bank ATM's | Free |
| Cash withdrawal from Non ICICI Bank ATM's | Rs. 20 per withdrawal + GST as applicable |
| Balance Inquiry from ICICI Bank ATM's | Free |
| Balance Inquiry from Non ICICI Bank ATM's | Rs. 8 per inquiry + GST as applicable |
However, banks also charge an amount for the issuance and annual maintenance of ATMs.
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