ATM Rules: Charges Levied By Top Banks For Transactions And Other Services

All major public and private banks in the country levy charges on customers for various uses of an ATM-cum-debit card. The customers are charged for transactions at ATMs over and above the mandated numbers of free transactions, as directed by Reserve Bank of India (RBI). 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. On top of this, all the banks also charge an annual maintenance fee on possession of an ATM card..Here's a comparison of various types of ATM charges levied by SBI, HDFC Bank, ICICI Bank and PNB:.State Bank of India (SBI).Here are the various charges of SBI's ATM cards as stated on bank's website - sbi.co.in:.table { border-top: solid 1px #ccc; border-left: solid 1px #ccc; border-right: solid 1px #ccc; font-size: 16px; } table th { background-color: #f5f5f5; padding: 5px 10px; border-bottom: solid 1px #ccc; border-right: solid 1px #ccc; } table td { border-bottom: solid 1px #ccc; border-right: solid 1px #ccc; padding: 5px 10px; line-height: 18px; } table td:last-child, table th:last-child { border-right: none; } /*Media Query start*/ @media only screen and (max-width: 760px), (min-device-width: 768px) and (max-device-width: 1024px) { /* Force table to not be like tables anymore */ table, thead, tbody, th, td, tr { font-size: 14px; } } /* Smartphones (portrait and landscape) ----------- */ @media only screen and (min-device-width : 320px) and (max-device-width : 480px) { body { padding: 0; margin: 0; } table, thead, tbody, th, td, tr { font-size: 14px; } table th { padding: 4px; } table td { padding: 4px; } } /* iPads (portrait and landscape) ----------- */ @media only screen and (min-device-width: 768px) and (max-device-width: 1024px) { body { width: 495px; } } /*Media Query END*/ . Debit Card Issuance Charges Normal (Classic/Global) Nil Gold Debit Card 100/- (including tax) Platinum Debit Card 306/- (including tax) Debit Card Annual Maintenance Charges (Recovered at the beginning of the second year onwards) Classic Debit Card 100/- plus tax Silver/Global /Yuva /Gold Debit Card 150/- plus tax Platinum Debit Card 200/- plus tax Pride/Premium Business Debit Card 300/- plus tax Debit Card Replacement Charges Rs.204/- (including tax) Duplicate PIN/ Regeneration of PIN Rs.51/- (including tax) 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: Financial Transaction: 17/- (including tax) Non-Financial Transaction 6/- (including tax) .HDFC Bank .Here are the various charges of HDFC Bank's ATM cards as stated on bank's website - hdfcbank.com:.table { border-top: solid 1px #ccc; border-left: solid 1px #ccc; border-right: solid 1px #ccc; font-size: 16px; } table th { background-color: #f5f5f5; padding: 5px 10px; border-bottom: solid 1px #ccc; border-right: solid 1px #ccc; } table td { border-bottom: solid 1px #ccc; border-right: solid 1px #ccc; padding: 5px 10px; line-height: 18px; } table td:last-child, table th:last-child { border-right: none; } /*Media Query start*/ @media only screen and (max-width: 760px), (min-device-width: 768px) and (max-device-width: 1024px) { /* Force table to not be like tables anymore */ table, thead, tbody, th, td, tr { font-size: 14px; } } /* Smartphones (portrait and landscape) ----------- */ @media only screen and (min-device-width : 320px) and (max-device-width : 480px) { body { padding: 0; margin: 0; } table, thead, tbody, th, td, tr { font-size: 14px; } table th { padding: 4px; } table td { padding: 4px; } } /* iPads (portrait and landscape) ----------- */ @media only screen and (min-device-width: 768px) and (max-device-width: 1024px) { body { width: 495px; } } /*Media Query END*/ . 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 bank's website - 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 . table.tab_4 { border-top: solid 1px #ccc; border-left: solid 1px #ccc; border-right: solid 1px #ccc; font-size: 14px; } table.tab_4 th { background-color: #f5f5f5; padding: 5px 10px; border-bottom: solid 1px #ccc; border-right: solid 1px #ccc; } table.tab_4 td { border-bottom: solid 1px #ccc; border-right: solid 1px #ccc; padding: 5px 10px; } table.tab_4 th:nth-child(1), table.tab_4 td:nth-child(1) { width: 40%; text-align: left; } table.tab_4 th:last-child, table.tab_4 td:last-child { border-right: 0; } @media only screen and (max-device-width: 480px) and (min-device-width: 320px) { table.tab_4 { display: table; min-width: 280px; max-width: 100%; } table.tab_4 th, table.tab_4 td, table.tab_4 th:nth-child(n+1), table.tab_4 td:nth-child(n+1) { display: table-cell; line-height: normal; } table.tab_4 th:last-child, table.tab_4 td:last-child { border-right: 0; } .Punjab National Bank.Here are the various charges of PNB's ATM cards as stated on bank's official website-pnbindia.in:. Sr.No. Particulars of Charges Charges 1 Classic Card Issuance Charge Nil 2 Platinum Card Issuance Charge Rs. 300 3 International Card Issuance Charge Rs.200 4 Business Card Issuance Charge Rs. 200 5 Prepaid Card Issuance Charge (However, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) Rs. 20 6 Issuance Charge on other Card types Nil 7 Cost of International Debit Card ( Chip Based Debit Card) Rs. 200 8 Debit Card Annual Fee (from the second year onwards) Rs.100/- + GST 9 Business Debit Card Annual Fees (from second year) Rs.200 + GST 10 Charges for issuance of Add on Card Rs. 100 11 Charges for issuance of Duplicate Pin. However, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) Rs. 50 12 Charges for Issuance of Duplicate ATM/Debit Card/Replacement of ATM/Debit Card Rs. 200 13 Mark Up Charges for each POSP transaction at Petrol Pumps, Restaurants and for Railway Bookings, etc. @2.5% + GST subject to minimum of Rs. 10/- (i)Mark up charges for each POSP/E-commerce transaction done by Rupay debit card holders at Petrol Pumps and for Railway bookings etc @2.5%+ GST subject to minimum of Rs. 10/- (w.e.f. 15.03.2014) @2.5% + GST subject to minimum of Rs. 10/- ii) Mark up charges for each POSP/E-commerce transaction done by debit card holders at Restaurant – actual claimed by the acquirer Bank through RGCS. (w.e.f. 15.03.2014) @2.5% + GST subject to minimum of Rs. 10/- 14 ATM Access fee / charge for making international acquirer transactions at bank's ATMs (w.e.f. 14.07.2013) Rs. 150/- per transaction .India Post, which has a network of more than 1.5 lakh post offices across the country, also offers an ATM facility with its savings accounts.

ATM Rules: Charges Levied By Top Banks For Transactions And Other Services

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