{"id":70948,"date":"2026-10-08T12:05:45","date_gmt":"2026-10-08T06:35:45","guid":{"rendered":"https:\/\/www.equentis.com\/blog\/?p=70948"},"modified":"2026-10-08T12:05:47","modified_gmt":"2026-10-08T06:35:47","slug":"sbi-atm-rules-changed-how-much-can-extra-cash-withdrawals-cost-in-a-month","status":"publish","type":"post","link":"https:\/\/www.equentis.com\/blog\/sbi-atm-rules-changed-how-much-can-extra-cash-withdrawals-cost-in-a-month\/","title":{"rendered":"SBI ATM Rules Changed: How Much Can Extra Cash Withdrawals Cost in a Month?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<p class=\"wp-block-paragraph\">SBI ATM rules have changed, and customers who exceed their monthly free cash withdrawal limit can now pay additional charges depending on where they withdraw money. For regular SBI savings accounts, <strong>cash withdrawals beyond the free limit at SBI ATMs cost \u20b915 plus GST per transaction<\/strong>, while withdrawals beyond the free limit at other bank ATMs cost <strong>\u20b923 plus GST per transaction<\/strong> under the latest applicable SBI charges. The actual monthly cost depends on the number of extra withdrawals made.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Are the New SBI ATM Withdrawal Rules?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SBI has a monthly limit on free ATM transactions for savings account customers. Once the free quota is exhausted, additional financial transactions, including cash withdrawals, attract a service charge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For regular savings accounts, SBI allows <strong>10 free cash transactions at SBI ATMs<\/strong>, while customers get <strong>five free transactions at other bank ATMs<\/strong>. The five transactions at other bank ATMs include both financial and non-financial transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For withdrawals beyond the applicable limit, SBI&#8217;s charges are different depending on whether customers use an SBI ATM or another bank&#8217;s ATM.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>ATM used<\/th><th>Free transactions<\/th><th>Charge after free limit<\/th><\/tr><\/thead><tbody><tr><td>SBI ATM<\/td><td>10 cash transactions<\/td><td>\u20b915 + GST per transaction<\/td><\/tr><tr><td>Other bank ATM<\/td><td>5 transactions<\/td><td>\u20b923 + GST per cash withdrawal<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">SBI&#8217;s latest service charge compendium states that the \u20b923 plus GST charge for cash withdrawals at other bank ATMs applies from December 1, 2025. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Can Extra SBI ATM Withdrawals Cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The additional cost may appear small for one transaction, but frequent cash users can see the charges accumulate over a month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At an SBI ATM, the charge beyond the free limit is \u20b915 plus 18% GST. That works out to <strong>\u20b917.70 per extra cash withdrawal<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 extra withdrawal: \u20b917.70<\/li>\n\n\n\n<li>2 extra withdrawals: \u20b935.40<\/li>\n\n\n\n<li>5 extra withdrawals: \u20b988.50<\/li>\n\n\n\n<li>10 extra withdrawals: \u20b9177<\/li>\n\n\n\n<li>20 extra withdrawals: \u20b9354<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This means someone making 10 cash withdrawals beyond the permitted free limit in a month could pay \u20b9177 in charges at SBI ATMs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What If You Use Another Bank&#8217;s ATM?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The cost can be higher when an SBI debit card is used at another bank&#8217;s ATM after the monthly free quota has been exhausted.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The current charge for an additional cash withdrawal is <strong>\u20b923 plus GST<\/strong>, which comes to <strong>\u20b927.14 per transaction<\/strong> after applying 18% GST. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 extra withdrawal: \u20b927.14<\/li>\n\n\n\n<li>2 extra withdrawals: \u20b954.28<\/li>\n\n\n\n<li>5 extra withdrawals: \u20b9135.70<\/li>\n\n\n\n<li>10 extra withdrawals: \u20b9271.40<\/li>\n\n\n\n<li>20 extra withdrawals: \u20b9542.80<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, if a customer makes five withdrawals beyond the free limit at other bank ATMs, the additional monthly cost can be about \u20b9136.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Did ATM Withdrawal Charges Change?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">ATM transactions involve costs for banks and ATM operators, particularly when a customer uses another bank&#8217;s ATM. The RBI has permitted banks to revise ATM interchange related charges, which has resulted in changes to customer charges beyond the free monthly transaction limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it is important to understand that <strong>customers are not charged for every ATM withdrawal<\/strong>. The charges generally apply only after the applicable free transaction limit has been used.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The change therefore matters most to customers who regularly depend on cash withdrawals or frequently use ATMs belonging to other banks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What About SBI Salary Account Holders?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is an important exception for some SBI salary package accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SBI&#8217;s service charge information provides special treatment for salary package accounts, including certain related account categories. These customers may receive different or unlimited free ATM transaction benefits depending on the account type and applicable terms. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, customers should not automatically assume that the standard savings account limits apply to their salary account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What About Basic Savings Bank Deposit Accounts?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Basic Savings Bank Deposit, or BSBD, accounts follow separate ATM withdrawal rules.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SBI states that BSBD account holders get <strong>four free withdrawals in a month<\/strong>, excluding specified digital transactions. Withdrawals beyond those four attract a charge of \u20b915 plus GST per transaction. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes it important to identify the type of SBI account before calculating the potential ATM charges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other SBI ATM Charges You Should Know<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cash withdrawal is not the only transaction that can attract charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For regular savings accounts, balance enquiries and mini statements at other banks&#8217; ATMs can attract charges after the free transaction limit. SBI&#8217;s current information lists <strong>\u20b911 plus GST<\/strong> for non-financial transactions at other bank ATMs after the free limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A failed transaction because of insufficient balance can also attract a separate charge of <strong>\u20b920 plus GST<\/strong>. However, SBI notes that ordinary failed or auto-reversed transactions are not counted as free transactions, subject to the applicable conditions. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Can Customers Avoid Extra ATM Charges?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The easiest way to reduce ATM charges is to plan cash withdrawals rather than making several small withdrawals throughout the month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Customers can also consider digital payment methods such as UPI for routine transactions where cash is not necessary. Internet and mobile banking can similarly reduce dependence on physical cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before withdrawing money, customers should also check whether they have already used their monthly free ATM quota. This becomes particularly useful toward the end of the month when several withdrawals have already been made.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Opportunities and Risks for SBI Customers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The revised structure encourages customers to use ATMs more selectively. For people who make only a few cash withdrawals every month, the impact is likely to remain limited because they may stay within the free transaction quota.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bigger impact is on frequent ATM users. Multiple small withdrawals can result in several service charges, particularly when other bank ATMs are used after the free limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Customers should also remember that <strong>the fee is charged per transaction, not based on the amount withdrawn<\/strong>. Withdrawing \u20b92,000 and withdrawing \u20b910,000 can therefore attract the same applicable ATM service charge when both transactions are beyond the free limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The latest SBI ATM rules make the number of monthly transactions more important for customers who frequently use cash. For regular savings accounts, SBI ATM withdrawals beyond the applicable free limit cost \u20b915 plus GST, while cash withdrawals at other bank ATMs beyond the free quota cost \u20b923 plus GST.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best way to avoid unnecessary charges is to stay within the monthly free limit, consolidate cash requirements where practical and use digital payment options for routine purchases. Customers should also check their specific account category because salary, BSBD and other account types can have different ATM rules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. How many free ATM withdrawals are allowed for SBI customers?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For regular SBI savings accounts, customers are allowed 10 free cash transactions at SBI ATMs and five free transactions at other bank ATMs under the applicable structure. Account categories such as salary package and BSBD accounts can have different rules, so customers should check the specific terms applicable to their account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. How much does SBI charge for an extra ATM withdrawal?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">At SBI ATMs, a cash withdrawal beyond the applicable free monthly limit costs \u20b915 plus GST per transaction. With 18% GST, the effective charge is \u20b917.70 per additional withdrawal. The charge applies to the transaction rather than the amount of cash withdrawn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. What is the SBI ATM charge at another bank&#8217;s ATM?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For regular SBI savings account customers, cash withdrawals beyond the free monthly limit at other bank ATMs currently attract a charge of \u20b923 plus GST per transaction. With 18% GST, this works out to \u20b927.14 per additional cash withdrawal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. How much will five extra SBI ATM withdrawals cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Five cash withdrawals beyond the applicable free limit at an SBI ATM would attract \u20b975 in basic charges. After adding 18% GST, the total comes to \u20b988.50. The calculation assumes the customer is using a regular savings account and has already exhausted the monthly free transaction limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. How much will five extra withdrawals at other bank ATMs cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Five additional cash withdrawals at other bank ATMs would cost \u20b9115 before GST. With 18% GST, the total charge would be \u20b9135.70. This applies after the customer&#8217;s monthly free ATM transaction quota has already been exhausted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Are SBI ATM charges applicable to every cash withdrawal?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. SBI does not charge the applicable excess transaction fee on every cash withdrawal. Customers receive a specified number of free transactions each month. Charges generally apply only when the customer crosses the relevant free transaction limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Do SBI salary account holders have the same ATM limits?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not necessarily. SBI provides special ATM transaction provisions for eligible salary package accounts. Depending on the specific salary account category, customers can receive different free transaction benefits. Therefore, salary account holders should check their account&#8217;s applicable service charges rather than assuming the standard savings account rules apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. What are the SBI ATM rules for BSBD accounts?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SBI&#8217;s Basic Savings Bank Deposit accounts provide four free withdrawals per month, excluding specified digital transactions. Withdrawals beyond the four free transactions attract \u20b915 plus GST per transaction. BSBD accounts therefore have a separate structure from regular savings accounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. Does withdrawing a larger amount increase the ATM charge?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The excess ATM service charge is generally based on the transaction, not the amount withdrawn. Therefore, an additional withdrawal of \u20b92,000 and one of \u20b910,000 can attract the same applicable service charge when both are beyond the customer&#8217;s free transaction limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">10. How can SBI customers avoid extra ATM withdrawal charges?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Customers can reduce ATM charges by keeping track of their monthly free transactions and avoiding unnecessary multiple cash withdrawals. Consolidating cash requirements, using SBI ATMs where appropriate and using UPI or other digital payment methods for routine purchases can help reduce dependence on chargeable ATM transactions.<\/p>\n\n\n\n<p class=\"has-ast-global-color-5-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-a377517bdd8f600e0c2e7efd2ef366fd wp-block-paragraph\">Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis \u2013 Research &amp; Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL &amp; certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>SBI ATM rules have changed, and customers who exceed their monthly free cash withdrawal limit can now pay additional charges [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":70955,"comment_status":"closed","ping_status":"0","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[948],"tags":[],"class_list":["post-70948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stock-market-news"],"_links":{"self":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts\/70948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/comments?post=70948"}],"version-history":[{"count":1,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts\/70948\/revisions"}],"predecessor-version":[{"id":70958,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts\/70948\/revisions\/70958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/media\/70955"}],"wp:attachment":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/media?parent=70948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/categories?post=70948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/tags?post=70948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}