How do I check my daily withdrawal limit?

You can use the SBI YONO mobile app to check your daily withdrawal limit online.

Is there a special consideration for SBI ATM withdrawals for senior citizens?

There is no special consideration for senior citizens as withdrawal limits depend on card type.

What is the AMC on SBI cards?

The Annual Maintenance Charge (AMC) on the SBI ATM card depends on your card type. For example, the bank levies ₹125 with GST on Classic debit cards.

What are the different ATM transactions?

Financial transactions on ATMs allow you to withdraw or deposit money. Non-financial transactions include balance enquiry, mini statements, etc.

Can I withdraw ₹1 lakh using SBI ATM cards?

Thanks to the SBI Platinum Debit Card limit, you can make high-value withdrawals, including in foreign currencies, up to the equivalent of ₹1 lakh per day.

New SBI ATM Withdrawal Limits and Transaction Charges

Name: SBI ATM Withdrawal Limit
Brand: Banking
Rating: 4.9 (9968 reviews)

The State Bank of India (SBI) offers a wide range of debit cards designed to make your everyday banking easier and more accessible. However, to make the most of your ATM card without incurring unnecessary fees, it is important to be aware of the daily withdrawal limits and the number of free transactions allowed.

Using a debit card, you can withdraw between ₹100 and ₹40,000 daily from SBI or other bank ATMs. Read this blog and learn more about daily and monthly SBI ATM withdrawal limits.

Quick Summary

You can withdraw between ₹100 and ₹40,000 daily using an SBI ATM card.
You can enjoy 5 free ATM transactions per month irrespective of your location.
If your average monthly balance is beyond ₹1 lakh, enjoy unlimited withdrawals.
After the free withdrawal limit, the bank will charge ₹15 and ₹23 from SBI and non-SBI ATMs.

SBI ATM Withdrawal Limit According to Card Types

Depending on your SBI ATM card type, you can withdraw the following amounts daily:

Card Variant	Daily Withdrawal Limit	Monthly Free Withdrawal
SBI Maestro and Classic Debit Cards/SBI My Card International Debit Card/SBI Global International Debit Card	Up to ₹40,000	Enjoy 5 and 10 free monthly ATM withdrawals at SBI and other ATMs, respectively. If your average monthly balance is beyond ₹1,00,000, enjoy unlimited withdrawals.
SBI Gold International Debit Card	Up to foreign currency equal to ₹50,000
SBI Platinum International Debit Card	Up to the foreign currency equivalent of ₹1,00,000

Service Charges Associated with SBI ATM Card Usage

Now that you know your daily and monthly SBI ATM Withdrawal Limit, note the following service charges:

Service Charges at SBI ATMs

When you exhaust your monthly free ATM withdrawal limit, SBI levies ₹15, including GST, from SBI ATMs for every financial transaction.

Service Charges at Other ATMs

The bank levies ₹23 with GST as a charge for every additional transaction made on other ATMs, after the free SBI ATM limit.

Charges for Non-Financial Transactions

To check mini statements or initiate balance enquiries, etc., from an SBI ATM after the free limit, there are no additional charges. However, the bank will levy ₹10 with GST when you do such non-financial transactions from other ATMs.

Applicable Penalty Charges for Declined SBI ATM Transactions

Apart from learning the SBI debit card limit per day and other charges, you must remain aware of the penalty charges. When you try to withdraw money using your SBI ATM card, and it declines due to a low balance, the bank will charge ₹20 with GST.

A Few Important Tips to Avoid Extra Charges Upon Using SBI ATM Card

Note the following tips to avoid unnecessary SBI ATM charges:

After exhausting your free monthly withdrawals, transactions at SBI ATMs cost less compared to those at other bank ATMs.
Stay within the SBI ATM withdrawal limit and use mobile or net banking services for everyday payments like bills, shopping or money transfers.
Instead of withdrawing cash, consider swiping your SBI ATM card directly for purchases. It is more convenient and charge-free.

How to Increase the Withdrawal Limit on SBI ATM Cards?

Here is how you can increase your monthly SBI ATM withdrawal limit:

Step 1: Visit the SBI net banking portal and log in.

Step 2: Head to ‘e-services’ and choose ‘ATM Card Services’. Select ‘ATM Card Limit/Channel/Usage Change’ and choose ‘Change Daily Limit’.

Step 3: Input your desired daily limit and submit.

Final Word

Understanding the SBI ATM withdrawal limit helps you manage your cash usage wisely and avoid unnecessary charges. It also lets you plan better by knowing exactly how much you can withdraw in a day or over a month. The bank allows 5 free monthly transactions. Apart from that, you can withdraw up to ₹40,000 based on the card type.

Frequently Asked Questions