An ATM withdrawal limit is the maximum amount of cash you can withdraw using your debit or ATM card within a specified period, usually a day. Banks set these limits based on the card variant, account type, security controls and their own policies. The ATM you use may also impose a separate per-transaction cap.
There is no single ATM cash withdrawal limit that applies to every bank or every card in India. Your daily limit may be lower or higher depending on your card. Understanding both your daily card limit and the ATM’s per-transaction limit can help you plan withdrawals and avoid unnecessary repeat transactions.
Factors Affecting Your Daily ATM Withdrawal Limit
- Card type or variant: Premium and higher-tier debit cards often have higher ATM cash withdrawal limits than entry-level cards.
- Account type: The debit card issued with your savings, salary, current or premium banking account may determine the maximum withdrawal limit available to you.
- Limit set on your card: Some banks allow you to reduce or modify your ATM withdrawal limit through mobile banking or net banking, subject to the maximum permitted for your card.
- ATM operator or network limit: An ATM may cap the amount you can withdraw in a single transaction even when your card’s daily limit is higher.
- Available account balance: You can withdraw only up to the available balance in your linked account, subject to the applicable card and ATM limits.
- Domestic or international usage: International ATM withdrawal limits and charges may differ from domestic limits and can also depend on local ATM rules.
So, if you are wondering, “How much cash can I withdraw from an ATM?”, check your bank’s app, website or debit card terms for the limit that applies to your specific card.
Why Do Banks Set an ATM Withdrawal Limit?
- Reduce fraud exposure: A daily cap limits the amount that can be withdrawn if a card and PIN are compromised.
- Manage ATM cash availability: Withdrawal caps can help banks and ATM operators manage cash across their ATM network.
- Control transaction risk: Banks use transaction limits as part of their broader debit-card security and risk controls.
- Match limits to card products: Different account and debit-card variants offer different transaction limits based on product features.
- Give customers more control: Some banks let customers set lower card limits to reduce risk and manage spending.
ATM Withdrawal Limits by Major Banks
ATM withdrawal limits vary by debit-card variant, so a bank may not have one universal daily limit. The table below gives representative examples from current bank product information:
| Bank | Representative debit card | Daily ATM cash withdrawal limit | Important note |
|---|---|---|---|
| SBI | Global International Debit Card | Up to ₹40,000 per day | SBI limits vary by card; for example, Platinum International can allow up to ₹1,00,000 per day. |
| HDFC Bank | Platinum Debit Card | Up to ₹1,00,000 per day | Limits depend on the specific debit card and account. HDFC also lets applicable card limits govern daily withdrawals. |
| ICICI Bank | Coral Debit Card | Up to ₹1,00,000 per day | ICICI limits vary by card variant and customers can modify limits within the permitted range. |
Note: These are examples, not bank-wide limits. Limits can change and may differ for other card variants. Always check the current limit shown in your bank’s official app, website or debit-card terms before making a large withdrawal.
Daily Limit vs Per-Transaction Withdrawal Limit
Your daily ATM withdrawal limit and the ATM’s per-transaction withdrawal limit are not always the same.
| Limit | What It Means | Example |
|---|---|---|
| Daily withdrawal limit | The maximum amount your card allows you to withdraw from ATMs during the day. | If your daily card limit is ₹40,000, you cannot withdraw more than ₹40,000 through normal ATM card withdrawals that day. |
| Per-transaction limit | The maximum amount that a particular ATM or network permits in one withdrawal attempt. | If an ATM allows only ₹10,000 per transaction but your daily limit is ₹40,000, you may need multiple withdrawals, subject to available cash and transaction rules. |
For example, SBI states that SBI debit-card users can withdraw up to ₹10,000 per transaction at other banks’ ATMs, even though the card’s total daily limit may be much higher. Other banks and ATM operators may apply their own per-transaction caps.
ATM Transaction Limits and Charges
RBI prescribes a minimum number of free ATM transactions for savings bank account holders. The rules depend on whether you use your own bank’s ATM or another bank’s ATM.
| ATM usage | Minimum free transactions under RBI rules | What is counted |
|---|---|---|
| Your own bank’s ATM | At least 5 free financial transactions per month | Cash withdrawals count. Non-cash transactions at your own bank’s ATM are not counted in this free-transaction quota. |
| Another bank’s ATM in Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai or New Delhi | At least 3 free transactions per month | Financial and non-financial transactions are included. |
| Another bank’s ATM outside the six metro locations | At least 5 free transactions per month | Financial and non-financial transactions are included. |
Banks may offer more free transactions than the RBI minimum. Once you exceed the applicable free quota, your bank may charge for ATM transactions. RBI currently caps the customer charge at ₹23 per transaction, plus applicable taxes.
Failed ATM transactions caused by technical issues, unavailable cash, communication failures, invalid PIN validation and certain other bank- or service-provider-related declines should not count towards your free transaction quota under RBI rules.
Also Read: ATM Card & Annual Maintenance Charges
How to Avoid ATM Charges?
- Use your own bank’s ATM when practical: Your own bank must provide at least five free financial transactions every month, and non-cash transactions at your own bank’s ATM do not count towards that quota.
- Plan cash withdrawals: Withdrawing a suitable amount in one visit can reduce repeated ATM usage, as long as you stay within your daily and per-transaction limits.
- Use digital banking for non-cash needs: Check balances, transfer money, pay bills or request services through mobile banking or net banking instead of using another bank’s ATM.
- Know the metro and non-metro rules: Other-bank ATM free limits differ between the six RBI-defined metro locations and other locations.
- Check your bank’s fee schedule: Some account types provide extra or unlimited free ATM transactions, while others follow the RBI minimum.
Can You Increase Your ATM Withdrawal Limit?
In many cases, yes. Your bank may allow you to increase or decrease your debit-card ATM limit through mobile banking, net banking, customer care or a branch. However, you can usually increase it only up to the maximum permitted for your debit-card variant and account.
For example, ICICI Bank allows eligible customers to modify debit-card limits through iMobile or Net Banking, while SBI provides channels for customers to modify transaction limits within the prescribed limit for their card variant. If you need a higher limit, first check whether your existing card supports it or whether your bank offers another eligible card variant.
For purchases where card payments are accepted, you may not need to withdraw cash at all. The Fibe Axis Bank Credit Card is a lifetime-free numberless RuPay credit card with ₹0 joining, annual and renewal fees. It offers 3% cashback on eligible food-order, local-commute and entertainment spends, 1% cashback on other eligible spends, UPI payments and a 1% fuel surcharge waiver on eligible fuel transactions. Terms and eligibility apply.
FAQs On ATM Withdrawal Limit and Transaction Charges
1.Is it possible to withdraw ₹30,000 from an ATM?
Yes, if your available balance and daily ATM withdrawal limit are at least ₹30,000. However, the ATM may impose a lower per-transaction limit, so you may need more than one withdrawal. A transaction fee does not allow you to bypass your card’s daily withdrawal limit; fees may apply only if your ATM usage exceeds the applicable free transaction quota.
2.Why do banks set the ATM withdrawal limit?
Banks set ATM limits to reduce fraud exposure, manage transaction risk, control ATM cash availability and align withdrawal limits with different debit-card and account products. A lower customer-set limit can also reduce potential losses if a card is compromised.
3.How many free ATM transactions can I make in a month?
For savings bank account holders, RBI requires at least five free financial transactions a month at your own bank’s ATMs. Non-cash transactions at your own bank’s ATMs do not count towards this quota. At another bank’s ATM, you must get at least three free transactions per month in Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai and New Delhi, and at least five in other locations. Other-bank ATM quotas include both financial and non-financial transactions. Banks may offer more than these minimums.
4.Can I increase my daily ATM withdrawal limit permanently?
Possibly. Many banks let you change your debit-card limits, but the maximum depends on your card variant and bank policy. You may be able to change the limit through mobile banking, net banking, customer care or your bank branch.
5.Are there additional fees for ATM transactions in other cities?
Simply using an ATM in another city does not automatically create a separate “other city” fee. What matters is whether you are using your own bank’s ATM or another bank’s ATM, whether the ATM is in one of the six RBI-defined metro locations, and whether you have crossed your free transaction quota. Your bank’s account-specific fee schedule may also provide additional benefits or charges.
6.How Much Money Can Be Withdrawn From an ATM in One Transaction?
The amount you can withdraw in one ATM transaction depends on the ATM operator, bank and card. The per-transaction cap may be lower than your total daily limit. For example, some banks cap withdrawals at another bank’s ATM at ₹10,000 per transaction. Check the ATM screen and your card terms before making a large withdrawal.
7.What Is the ATM Withdrawal Limit for SBI, HDFC and ICICI Bank?
There is no single withdrawal limit for all SBI, HDFC Bank or ICICI Bank customers because limits vary by debit-card variant. For example, SBI’s Global International Debit Card allows up to ₹40,000 per day, while its Platinum International Debit Card allows up to ₹1,00,000. HDFC Bank’s Platinum Debit Card can provide a ₹1,00,000 daily ATM withdrawal limit, while ICICI Bank’s Coral Debit Card currently lists a ₹1,00,000 domestic ATM withdrawal limit. Always verify the limit for your specific card because banks can revise these limits.
8.Can I Withdraw Cash From an ATM If I Exceed My Daily Limit?
No. Once you reach your card’s daily ATM cash withdrawal limit, another normal card-based ATM withdrawal will usually be declined until the limit resets. Paying an ATM transaction fee does not increase or override the daily withdrawal cap. If your bank permits limit changes, you may be able to raise the limit within your card’s maximum permitted amount before making the transaction.