An automated teller machine (ATM) is an electronic banking machine that allows bank account holders or customers to complete basic transactions without the aid of a bank representative or teller.

The ATM allows a customer to perform basic money transactions, like withdrawing cash, deposit checks and cash, open or withdraw a fixed deposit, apply for bank loans, pay insurance premium, utility bills, etc.

How to Withdraw Money from an ATM?

Step 1: Insert Your ATM Card

Insert your ATM card into the card slot. Make sure the side with the chip is facing up and towards the machine.

Step 2: Select Language

Select your language from the language options appearing on the display screen.

Step 3: Enter 4 Digit ATM PIN

Use the Keypad to enter your 4-digit ATM Personal Identification Number (PIN) number.

Make sure nobody is watching you while you enter the PIN.

Be careful while entering the Pin, as a wrong PIN may lead to the blockage of the ATM card. Do not ever share your ATM PIN with anyone.

Step 4: Select the Type of Transaction

On the ATM screen, you will see the options for types of transaction such as Deposit, Transfer, Withdrawal of Money, etc.

In case of cash withdrawal, select the “Withdrawal” Option.

Step 5: Select the Type of Account

The screen will display different account types, select your account type.

As an individual banker, you should be choosing a “Savings” or “Checking” account, as current accounts are applicable mostly to businesses.

Step 6: Enter the Withdrawal Amount

Enter the amount you wish to withdraw. Make sure it is within your daily withdrawal limit. Now press Enter.

Step 7: Collect Your Cash

Take your cash from the dispenser or lower slot of the machine. Count the money to ensure you received the correct amount.

Step 8: Take the Printed Receipt, if Required.

After you collect the cash, you will get an option to get a printed receipt of the transaction. If you want, click yes and close the transaction.

Step 9: Retrieve Your Card

Once the transaction is complete, remember to take your card from the ATM.

Related Read: Related Read: ATM Withdrawal Limit for 2024

How to Withdraw Money from an ATM Using UPI?

STEP 1: Select and visit an ATM that offers a cardless cash withdrawal facility.

STEP 2: Select the “Withdraw Cash” option and select “UPI Cardless Cash” option on the ATM screen.

STEP 3: Select or Enter the desired withdrawal amount. Carefully choose or enter the desired quantity.

STEP 4: Scan the QR code that appears on the ATM screen using your UPI app.

STEP 5: Your UPI app will prompt you to confirm the transaction after you’ve scanned the QR code. To validate the UPI ATM withdrawal, enter your 4 Digit UPI PIN.

STEP 6: The UPI ATM will disburse the desired cash as soon as your transaction is validated.

Safety Measures During ATM Cash Withdrawal

Stay alert

Stay alert at all times while accessing an ATM. Check for a CCTV and try to use an ATM that has one or a security guard outside.

Keep your PIN a secret

Your PIN is the most valuable security measure when you access your account through an ATM, ensure to keep it a secret

Don’t ask strangers for help

Never disclose ATM PIN or ask strangers for help.

Ask your bank for assistance

Reach out to your bank for help if you face any issues at the ATM. You can also use this feature if you ever lose your card or if it gets stolen.

Check the ATM carefully

Inspect the machine carefully, the keypad and card slot before transacting.

Common Issues and Troubleshooting with ATM Cash Withdrawal

1. Card Retained by ATM

If the ATM retains your card, contact your bank immediately. This can happen due to various reasons, such as entering the wrong PIN multiple times or a malfunction.

2. ATM Out of Cash

If the ATM is out of cash, it will usually display a message. Find another ATM nearby or try again later.

3. Power Outage

In case of a power outage during the transaction, wait for the power to return and check your account balance. If there are discrepancies, contact your bank.

4. Incorrect PIN Entered Multiple Times

Entering the wrong PIN multiple times can lock your card. Visit your bank or contact customer service to unlock it.

5. Contacting Bank for Help

If you face any issues, contact your bank’s customer service. Have your account details and card number ready for quick assistance.

Conclusion

Withdrawing money from an ATM is a straightforward process, but it’s essential to follow the steps carefully to avoid any issues. Should any problems arise, knowing how to troubleshoot them can save you time and stress. Always be mindful of your surroundings and keep your PIN confidential.

FAQs

1. How to Withdraw Money from an ATM Using UPI?

To withdraw money using UPI, find an ATM that supports UPI transactions. Open your UPI app, select the ‘Withdraw Cash’ option, and scan the QR code displayed on the ATM screen. Enter the amount and your UPI PIN to complete the transaction.

2. What should I do if the ATM doesn’t dispense cash but debits my account?

If the ATM debits your account but doesn’t dispense cash, note the transaction details and contact your bank immediately. Banks typically resolve such issues within a few days.

3. Which Side Of The ATM Card Is Inserted?

Insert the side of the card with the chip facing up and towards the machine. If your card doesn’t have a chip, follow the arrow or instructions on the card.

4. Are there any charges for withdrawing cash from an ATM?

Charges may apply depending on your bank and the ATM used. Check with your bank for specific details on withdrawal fees.

5. What is the maximum amount I can withdraw from an ATM in one transaction?

The maximum amount varies by bank and account type. Generally, it ranges from ₹20,000 to ₹50,000 per transaction.

6. Can I use any ATM to withdraw money, or only my bank’s ATM?

You can use any ATM to withdraw money, but using ATMs outside your bank’s network may incur additional fees. Check with your bank for details on these charges.

The post How to Withdraw Money From ATM? – A Step by Step Process appeared first on Razorpay Learn.

This article explains how to generate an ATM PIN using various methods, the importance of choosing a secure one, and the steps involved in creating a new PIN.

Read More About: What is ATM and How Does it Work?

ATM Card PIN Generation

When ATM cards are issued, you generally have to enter a default PIN provided by the bank. However, this default PIN is not secure enough to prevent unauthorised access.

Thus, it is crucial that you generate a unique and confidential ATM PIN Number for your debit cards if you want to withdraw money from an ATM. This improves security of your financial information.

There are several easy ways to generate an ATM PIN, so select the one that works best for you. Popular methods include using online banking services, visiting an ATM, or creating a PIN using SMS. You can create a strong and unique ATM card PIN which will help safeguard your finances from potential risks.

Remember: If your card is lost, stolen, or you suspect fraudulent activity, quickly block it to prevent unauthorized use. Many banks offer convenient options to block and unblock your ATM card through online or mobile banking, or by contacting customer service.

How to Generate an ATM Card PIN Online?

Online PIN generation for ATM cards is a simple process where customers can set up or change their PINs using their mobile or net banking apps, without the hassle of going to a bank .

Method 1: How to Generate an ATM Card PIN Via Mobile Banking?

STEP 1: Log into Mobile Banking App

Open and log in to your bank’s mobile app with your credentials.

STEP 2: Select the Linked Account

Choose the account associated with your ATM card.

STEP 3: Navigate to ‘ATM Card Services’

Find and tap on ‘ATM Card Services’ in the app.

STEP 4: Select ‘Generate PIN’ Option

Opt for the ‘Generate PIN’ option.

STEP 5: Enter your New 4-Digit PIN

Input your desired 4-digit PIN.

STEP 6: Receive and Enter OTP

An OTP will be sent to your registered mobile number. Enter this OTP to confirm the new PIN.

STEP 7: Confirmation of New ATM PIN

Once the OTP is verified, your new ATM PIN will be set.

STEP 8: Ensure Security

Keep your mobile device secure, avoid sharing your PIN, and monitor your account for unusual activity to protect your transactions and card.

Security is paramount when creating a PIN from your mobile app. Protect your device, avoid sharing your PIN, and monitor your account for any suspicious activity. This would safeguard both your online transactions and your ATM card.

Read About: ATM Withdrawal Limits for Various Banks

Method 2: How to Generate an ATM Card PIN Via Net Banking?

STEP 1: Log Into Your Net Banking Account

Access your net banking account with your login credentials.

STEP 2: Navigate to the ‘Cards’ Tab

Locate and click on the ‘Cards’ tab on the dashboard.

STEP 3: Select ‘Change/Reset/Generate PIN’

Choose the option to change, reset, or generate a new PIN.

STEP 4: Enter your Existing or Temporary PIN

Input the PIN you currently have or the temporary one provided by the bank.

STEP 5: Create and Confirm Your New PIN

Choose a new PIN and confirm it. You may be prompted to answer security questions.

STEP 6: Receive and Enter the OTP

An OTP will be sent to your registered mobile number. Enter this OTP to validate your identity.

STEP 7: PIN Creation Confirmation

After OTP verification, your new PIN will be successfully created.

STEP 8: Follow Safety Protocols

Protect your new PIN by keeping it confidential, avoiding simple PINs, and changing it regularly.

You must adhere to safety protocols to safeguard your newly generated PIN. Protect your banking information always by keeping credentials private, avoid simple PINs, and change your PIN often.

How to Generate ATM Card PIN Offline?

Generating an ATM card PIN offline is handy if you don’t want to use online channels. You can generate a unique PIN through options like customer service, SMS, or ATMs.

Method 1: How to Generate an ATM Card PIN Via ATM Machines?

STEP 1: Locate a nearby ATM

Visit the nearest ATM terminal.

STEP 2: Insert your ATM Card and Select the Preferred Language

Insert your ATM card into an ATM slot and select your preferred language.

STEP 3: Click on ‘PIN Generation’ Option

Choose the ‘Forgot/Create PIN generation’ option from the menu.

STEP 4: Enter Bank Account Details (Account and Mobile Number)

The specific steps for this may vary between banks. Some banks might ask you to enter the temporary ATM PIN provided in the ATM dispatch envelope, while others may only require your bank account number and registered mobile number.

STEP 5: Receive and Enter the OTP

Once your details are verified, you’ll receive an OTP on your registered mobile number. Enter the OTP into the ATM and tap “Confirm.”

STEP 6: Generate the New ATM PIN

You will be prompted to “Enter the New 4 Digit ATM card PIN” of your choice and confirm your new ATM PIN.

STEP 7: Successfully Processed Transaction

Once you have entered the new ATM PIN, the on-screen will display a successful message confirming the changes.

It is an accessible and convenient method where you can generate a secure PIN directly at an ATM. However, it is crucial to safeguard your finances by keeping the PIN confidential and regularly updating it for enhanced security.

Read About: Advantages and Disadvantages of ATM

Method 2: How to Generate an ATM Card PIN Via Green PIN sent on SMS?

Certain banks provide an alternate way to generate an SMS-sent “Green PIN” for an ATM card. A green PIN might be an OTP or a temporary PIN that expires in a few minutes. The following steps are involved in this process:

STEP 1: Insert Your Card

Insert your debit card at the nearest ATM and select your preferred language.

STEP 2: Select ‘Forgot/Create PIN’

Choose the ‘Forgot/Create PIN’ option from the menu.

STEP 3: Enter Account Details

Input your bank account number and registered mobile number when prompted.

STEP 4: Select ‘Generate OTP’

Opt for the ‘Generate OTP’ option.

STEP 5: Receive Green PIN (OTP)

After verification, the bank will send a Green PIN (OTP) to your registered mobile number.

STEP 6: Enter OTP and Generate PIN

Input the OTP and follow the instructions to generate your new ATM PIN.

STEP 7: Validate OTP

Select the “Validate OTP” option from the menu to confirm your new PIN.

STEP 8: Confirm Your New PIN

Set and confirm your new PIN to complete the process.

Green PIN is a secure method. Do ensure your mobile number is up-to-date to keep the PIN confidential.

Method 3: How to Generate an ATM Card PIN via Customer Care?

STEP 1: Call Customer Care

Dial your bank’s customer care contact number.

STEP 2: Request OTP for ATM PIN

Ask for an OTP to generate a new ATM PIN.

STEP 3: Provide Verification Details

Give your account and card details when asked for verification, and you will receive an OTP.

STEP 4: Visit Nearest ATM

Go to your nearest ATM and choose the ‘Generate PIN’ option when prompted.

STEP 5: Enter OTP and Confirm

Input the OTP received from customer care and tap on ‘Confirm.’

STEP 6: Set New PIN

Create your new PIN and tap on ‘Submit’ to finalize.

Just like any other process, beware from fraudulent customer care numbers and other security lapses during PIN generation.

Other Methods to Generate ATM PIN

Here’s how to generate new ATM PIN alternatively when online options are not available:

How to Generate New ATM Card PIN By Visiting a Bank Branch?

STEP 1: Visit Your Nearest Bank Branch

Go to your nearest bank branch and approach the customer service department.

STEP 2: Provide Required Details

Present the requested identification documents and account details to the bank staff.

STEP 3: Follow Instructions to Create PIN

Adhere to the instructions provided by the bank staff to generate your new PIN.

STEP 4: Maintain Confidentiality

Ensure that your PIN and personal information remain confidential while at the bank.

You can utilise this method if you need assistance or have further queries. Do make sure you keep your information confidential from other people at the bank.

2. How to Generate New ATM Card PIN By Using Interactive Voice Response (IVR)?

STEP 1: Call Customer Care

Dial your bank’s customer care number.

STEP 2: Select Language and ATM Services

Choose your preferred language and navigate to the ATM services or PIN generation option.

STEP 3: Enter Debit Card Number

Input your debit card number when prompted and answer any security questions.

STEP 4: Receive OTP

An OTP will be sent to your registered mobile number after successful verification.

STEP 5: Set New PIN at ATM

Use the OTP to set your new PIN at a nearby ATM or through another specified channel.

Ensure that communication is secure and keep your OTP confidential. For added security, avoid using easily guessable numbers as your PIN. Security and confidentiality must be prioritised in all methods. Always communicate with your official bank channels only.

Conclusion

A strong ATM PIN is essential for safeguarding your financial transactions. You can generate a new PIN using various methods, including internet banking, mobile apps, ATMs, SMS-based Green PINs, in-branch assistance, IVR systems, or card activation protocols. While each method is convenient, it’s crucial to prioritize security. Protect your banking information and choose the option that best suits your needs. By following best practices for confidentiality, you can securely manage your ATM card PIN and ensure safe transactions.

Frequently Asked Questions

1. How frequently should I change my PIN?

If you suspect that your ATM PIN is compromised, it is advised that you change it. To further improve security and lower the possibility of unwanted access, update your ATM PIN every three to six months.

2. Is the Green PIN secure?

Yes, the Green PIN is safe as it requires entering an OTP sent to your registered mobile number, ensuring secure PIN generation. It also eliminates the risk of interception from physical mailers. To prevent unauthorized access, keep your phone number confidential and secure.

3. Is it possible to create or change my ATM card PIN without going to the bank?

Yes, you can generate or change your ATM PIN without visiting the bank. Options include resetting the PIN online via net banking or the mobile app, using the Green PIN method, or through IVR, all of which can be completed at a nearby ATM, saving you a trip to the bank.

4. What is the four-digit PIN on an ATM card?

The four-digit PIN on an ATM card is a unique number used to verify the cardholder during transactions. The security feature prevents unauthorised account access.

5. How can I activate my new ATM card?

To activate your new ATM card, you can use common methods, such as physically visiting an ATM, going online, or contacting customer care. Choose the method that is most convenient for you.

The post How to Generate ATM PIN Using ATM, SMS, Net & Mobile Banking appeared first on Razorpay Learn.

This guide breaks down ATM withdrawal limits for major Indian banks and the latest RBI rules.

Related Reads: How to Withdraw Money From ATM?

What Is the ATM Withdrawal Limit Per Day?

The ATM withdrawal limit per day in India varies by bank and account type. Generally, many banks allow a withdrawal limit between ₹10,000 to ₹50,000. However, premium cards can offer higher limits ranging from ₹50,000 to ₹1,00,000 for each transaction.

ATM Withdrawal Limit of India’s Top Banks

The considerable variations in ATM withdrawal limits among Indian banks impact your access to cash withdrawals. Understanding these limitations is essential for effectively handling regular financial transactions.

Here is a detailed breakdown of the ATM withdrawal limits for some of India’s top banks:

SBI ATM Withdrawal Limit (State Bank of India)

With debit cards, SBI allows you to withdraw between ₹40,000 and ₹1 lakh from ATMs. The bank offers up to five free ATM withdrawals every month. SBI account holders must pay additional fees if they exceed this limit.

Withdrawal restrictions vary depending on the kind of account and debit card used. This includes:

• SBI Global International Debit Card: ₹40,000/day
• SBI Platinum International Debit Card: ₹1,00,000/day

However, these limitations may vary based on your SBI account type and the debit card’s terms and conditions. The bank’s limitations may vary from time to time, therefore you must check with SBI on a regular basis to determine the current limits.

Related Read: SBI ATM Withdrawal Limit in 2024

HDFC ATM Withdrawal Limit

The ATM cash limit per day for accounts older than 6 months is ₹2 lakh per day and ₹10 lakh per month.  ATM transactions are unlimited and free at HDFC Bank ATMs, while non-HDFC ATMs allow a maximum of five free transactions per month, with a limit of three free transactions in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru, and Hyderabad. Once the free limit is reached, the bank levies a cost of ₹21 per transaction.

HDFC Bank’s ATM daily cash withdrawal limits per different card are as follows:

• International, Woman’s Advantage, NRO Debit Cards: ₹25,000
• International Business, Titanium, Gold Debit Cards: ₹50,000
• Titanium Royale Debit Card: ₹75,000
• Platinum, Imperia Platinum Chip Debit Cards: ₹1,00,000
• JetPrivilege HDFC Bank World Debit Card: ₹3,00,000

For security reasons, ATM cash withdrawals are limited to ₹0.5 lakh per day and ₹10 lakh per month for the first 6 months after account activation to new users. Revised Business Debit Card charges are effective from 1st August 2024.

Canara Bank ATM Withdrawal Limit

Canara Bank’s debit card allows you to withdraw cash at any time and any place. However, there are maximum withdrawal limitations each day. The bank has a daily ATM cash withdrawal limit for Classic Debit Cards from ₹40,000 to ₹75,000.

Here are some of the limits of Canara Bank’s Debit cards: 

• Rupay Select Debit Card: ₹1,00,000/day
• Mastercard World Debit Card: ₹1,00,000/day
• Visa Platinum Debit Card: ₹1,00,000/day
• Rupay Platinum International Debit Card:  ₹1,00,000/day
• VISA Classic Debit Card: ₹75,000/day
• Rupay Classic Debit Card: ₹75,000/day
• Mastercard Platinum Debit Card: ₹1,00,000/day
• MasterCard Business Debit Card: ₹1,00,000/day

The minimum withdrawal limit for all types of Canara Bank Debit Cards is ₹100.

Axis Bank ATM Withdrawal Limit

The daily ATM withdrawal limit established by Axis Bank differs based on the type of account and the customer profile, from ₹20,000 to ₹50,000. These limitations may differ for transactions made at various ATM branches, with certain premium accounts having greater withdrawal restrictions.

The daily limit for different debit cards is:

• Delight debit card: ₹1,00,000
• Value plus debit card: ₹1,00,000
• Online rewards debit card: ₹50,000
• Burgundy debit card: ₹3,00,000
• Priority debit card: ₹1,00,000
• Sampana debit card: ₹1,00,000
• Prestige debit card: ₹1,00,000
• E-debit card: NA
• Liberty debit card: ₹50,000
• Rewards + debit card: ₹50,000
• Rupay platinum debit card: ₹40,000
• Power salute debit card:  ₹40,000
• Titanium rewards debit card: ₹50,000
• Titanium prime debit card: ₹50,000
• Visa classic/platinum debit card: ₹40,000

The bank permits five free ATM transactions each month, after which a cost of ₹20 is charged for every transaction. Axis Bank’s ATM withdrawal regulations have not changed much in recent years.

ICICI Bank ATM Withdrawal Limit

ICICI Bank has different ATM withdrawal limits per day depending on the kind of debit card.

The limits are as follows:

• Private Banking Visa Infinite Debit Card: ₹1,50,000
• Wealth Select Visa Infinite Debit Card: ₹1,50,000
• Family Debit Card: ₹1,00,000
• Privilege Banking Titanium Debit Card: ₹1,00,000
• Senior Citizen Silver Debit Card: ₹50,000
• ICICI Bank Senior Citizen Gold Debit Card: ₹75,000
• Woman’s Debit Card: ₹1,25,000
• MasterCard World Debit Card: ₹1,00,000
• Sapphiro Business Debit Card: ₹ 1,50,000
• Expressions Business Debit Card: ₹1,50,000
• Business Debit Card: ₹1,00,000
• Titanium Business Debit Card: ₹1,00,000
• Expressions Coral Business Debit Card: ₹1,50,000

Indian Bank ATM Withdrawal Limit

The following are the daily withdrawal limits of Indian Bank:

• RuPay Platinum Card (Contact): ₹50,000
• RuPay Platinum Card (Contactless): ₹50,000
• Rupay International Platinum card (Contact): ₹2,00,000
• RuPay Debit Select Card(Contactless): ₹1,00,000
• Rupay classic contactless Card (NCMC): ₹25,000
• IB DIGI – RuPay Classic Card: ₹10,000
• IB DIGI- Rupay Classic Card (Contactless): ₹10,000
• Senior Citizen Debit Card (Contact): ₹25,000
• PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contact: ₹25,000
• Kalaignar Magalir Urimai Thittam (KMUT) Scheme Cards – Contactless: ₹10,000
• MasterCard World (Contact): ₹50,000
• MasterCard World Platinum (Contactless): ₹50,000

Bank of Baroda (BOB) ATM Withdrawal Limit

The following are the daily withdrawal limits of Bank of Baroda (BOB):

• World Agniveer: ₹50,000
• RuPay Qsparc NCMC: ₹50,000
• RuPay Platinum DI: ₹50,000
• RuPay Classic DI Debit Card: ₹25,000
• RuPay Qsparc NCMC Debit Card: ₹50,000
• MasterCard Platinum DI Debit Card: ₹50,000
• VISA Vyapaar DI Debit Card: ₹2,00,000
• Mastercard DI Platinum, BPCL: ₹50,000
• Mastercard Classic DI: ₹25,000
• RuPay Select DI: ₹1,50,000

Union Bank of India (UBI) ATM Withdrawal Limit

Union Bank of India has varied ATM withdrawal limits depending on the kind of debit card and account.

The daily withdrawal limit is:

• Classic VISA and Mastercard Debit Card: ₹25,000
• Platinum VISA and Mastercard Debit Card: ₹75,000
• Signature/RuPay Select Debit Card: ₹1,00,000
• Visa Business Platinum Debit Card: ₹1,00,000

Union Bank customers are eligible for five free monthly transactions at Union Bank ATMs. Additionally, they can perform free transactions at other bank ATMs, with a limit of three transactions in metro centres and five transactions in non-metro centres. A fee of ₹21+ GST is applicable beyond the limit of free transactions.

PNB Bank ATM Withdrawal Limit (Punjab National Bank)

The following are the maximum withdrawal limit from ATM of PNB Bank per day:

• Platinum Debit Card: ₹1,00,000/day
• Classic Debit Card: ₹25,000/day
• Gold Debit Card: ₹1,00,000/day

Customers of Punjab National Bank can enjoy five free transactions per month at the bank’s ATMs. Additionally, they are entitled to free transactions at other banks’ ATMs, with a limit of three transactions in metro areas and five transactions in non-metro areas. A fee of ₹21 plus applicable taxes is charged beyond the limit of free transactions.

Indian Overseas Bank (IOB) ATM Withdrawal Limit

Indian Overseas Bank (IOB) has the following daily ATM withdrawal limits:

• Master Card Gold: ₹20,000
• Rupay Classic NCMC: ₹30,000
• Rupay Platinum NCMC: ₹50,000
• Platinum Debit Card: ₹50,000
• Rupay PMJDY NCMC: ₹10,000/ month
• IOB Rupay Select Debit Card: ₹50,000
• IOB Visa Classic Card International Debit Card: ₹30,000
• Visa Classic Contactless: ₹40,000
• Visa Gold Contactless: ₹40,000
• Visa Platinum Contactless: ₹50,000
• Visa Signature Contactless: ₹1,00,000

Federal Bank ATM Withdrawal Limit

Federal Bank has the following daily ATM withdrawal limits:

• Visa Celesta Contactless Debit Card: ₹1,00,000
• Visa Imperio Contactless Debit Card: ₹1,00,000
• Visa Crown Contactless Debit Card: ₹50,000
• Visa FedFirst Contactless Debit Card: ₹2,500
• Mastercard Celesta Contactless Debit Card: ₹1,00,000
• Mastercard Imperio Contactless Debit Card: ₹75,000
• Mastercard Crown Contactless Debit Card: ₹50,000
• Rupay Crown Debit Card: ₹25,000
• Rupay Platinum Contactless Debit Card: ₹50,000
• Celesta Business Contactless Debit Card: ₹1,00,000
• Visa Imperio Business Contactless Debit Card: ₹50,000

Bank of India (BOI) ATM Withdrawal Limit

With effect from February 1, 2019, the Bank of India (BOI) has lowered the daily cash withdrawal limit for its Classic and Titanium debit card versions (Rupay, Visa, and Mastercard) from ₹25,000 to ₹15,000.

Other card variations, such as the Platinum and Business cards, continue to have the same withdrawal limitations. Since then, the bank has made no announcements on any new developments or modifications to its rules regarding ATM withdrawal limits.

Master Platinum Debit card and Visa Platinum Privilege Debit card each have a daily ATM withdrawal limit of ₹50,000.

IDBI Bank ATM Withdrawal Limit (Industrial Development Bank of India)

IDBI Bank provides its customers with the following daily ATM withdrawal limits:

• VISA Signature PayWave Debit Card:  ₹3,00,000
• VISA Platinum PayWave Debit Card: ₹1,00,000
• RuPay Platinum Debit Card: ₹1,00,000
• VISA Gold Debit Card: ₹75,000
• Mastercard Gold Debit Card: ₹75,000
• RuPay Platinum NCMC Card: ₹1,00,000
• RuPay Classic NCMC Card: ₹25,000
• VISA Classic PayWave Debit Card: ₹25,000
• Mastercard Classic Debit Card: ₹25,000
• RuPay Classic Debit Card: ₹25,000
• VISA Women’s PayWave Debit Card: ₹40,000
• RuPay Women’s Debit Card: ₹40,000
• VISA Being Me PayWave Debit Card: ₹25,000
• VISA Kids PayWave Debit Card: ₹2,000
• RuPay Kids Debit Card: ₹2,000
• RuPay Mudra Debit Card: ₹25,000
• RuPay Kisan Card: ₹25,000
• RuPay PMJDY Card: ₹10,000

Yes Bank ATM Withdrawal Limit

Yes Bank offers the following daily ATM withdrawal limits for its various debit card variants:

• EMV Chip Silver Debit Card: ₹25,000
• EMV Chip Gold Debit Card: ₹75,000
• YES Premia World Debit Card: ₹1,00,000
• YES Prosperity Platinum Debit Card: ₹1,00,000
• YES Prosperity Titanium Debit Card: ₹1,00,000
• YES Prosperity Titanium Plus Debit Card: ₹1,00,000
• YES Bank VISA Platinum Debit Card: ₹1,00,000

Kotak Mahindra Bank ATM Withdrawal Limit

The Kotak Mahindra Bank ATM cash withdrawal limit per day is as follows:

• Business Privy League Neon: ₹2,00,000
• Business Privy League Platinum (LED DEBIT CARD): ₹2,00,000
• Privy League Black (METAL DEBIT CARD): ₹2,50,000
• Privy League Platinum (LED DEBIT CARD): ₹ 2,00,000
• Infinite Debit Card: Unlimited withdrawals at all ATMs in India and abroad
• Kotak Everyday Debit Card: ₹1,00,000
• Gold Debit Card: ₹1,00,000
• Silk Platinum Debit Card: ₹40,000
• Privy League Signature Debit Card: ₹1,00,000
• World Debit Card: ₹50,000
• Access India Debit Card: ₹75,000
• Nation Builders Debit Card: ₹1,00,000
• RuPay India Debit Card: ₹2,00,000

Additionally, according to the search results, Kotak Mahindra Bank has revised its ATM withdrawal limits effective May 1, 2024:

• Kotak Solo Saving Account: Free ATM transactions at Kotak ATMs are limited to 7 per month. From other bank ATMs 3 free transactions are allowed to be done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs and 5 free transactions from other centres.
• For Everyday Savings Account: Free ATM transactions at Kotak ATMs are limited to 7 per month, down from unlimited. Other bank ATMs also allow 7 free transactions per month.
• For premium accounts (Classic Savings, Pro Savings, Ace Savings, Ace Salary): Free ATM transactions (both at Kotak and other bank ATMs) are capped at 30 per month.
• For Everyday Salary Account: Free ATM transactions are 10 per month at Kotak ATMs and 7 per month at other bank ATMs.

Central Bank of India ATM Withdrawal Limit

The daily cash withdrawal limitations of various ATM cards of the Central Bank of India include the following:

RuPay Select Wellness and Platinum Debit Cards: daily cash withdrawal limit of ₹2,00,000

For RuPay Classic and Business Debit Cards: the daily limit is ₹1,00,000 per day

IDFC Bank ATM Withdrawal Limit

IDFC FIRST Bank offers the following daily ATM withdrawal limits for its debit card variants:

• VISA Platinum Debit card: ₹2,00,000
• VISA Classic Debit card: ₹1,00,000
• RuPay Platinum Debit Card: ₹50,000
• RuPay Classic Debit Card: ₹40,000
• Visa Platinum Business Debit Card: ₹1,00,000
• Visa Signature Business Debit Card: ₹2,00,000
• FIRST Private Debit Cards: ₹10,00,000
• Wealth Debit Cards: ₹7,00,000
• Select Debit Cards: ₹5,00,000

India Post Payments Bank (Post Office) ATM Withdrawal Limit

According to the search results, India Post Payments Bank (IPPB) has the following ATM withdrawal limits:

For Basic Savings Account: Free cash withdrawals at IndiaPost ATMs, subject to ₹10,000 per transaction and ₹25,000 per day. 3 free transactions are allowed to be done in metro centres and 5 in non-metro centres from other bank ATMs.

UCO Bank ATM Withdrawal Limit

The daily cash limits of the several UCO Bank ATM cards are as follows:

• RuPay Platinum Insta Contactless Debit Card (Non-Personalized): ₹50,000
• RuPay Platinum Personalized Contactless Debit Card: ₹50,000
• Rupay Select Personalized Contactless Debit Card: ₹50,000
• VISA Personalized Contactless Debit card: ₹50,000

Bank of Maharashtra ATM Withdrawal Limit

Bank of Maharashtra has the following daily ATM withdrawal limits:

• For Classic Debit Card: ₹40,000
• For Platinum Debit Card: ₹1,00,000
• For Corporate Debit Card and VISA Purple Card: ₹1,00,000

IndusInd Bank ATM Withdrawal Limit

The daily ATM withdrawal limits for Induslnd bank ATM debit card variants are:

• For Platinum Debit Card: ₹1,00,000
• PIONEER World Debit Card: ₹5,00,000
• Titanium Debit Card: ₹50,000
• Platinum Select: ₹1,50,000
• Platinum Exclusive: ₹2,00,000

Karur Vysya Bank ATM Withdrawal Limit

The daily ATM withdrawal limits of Karur Vysya Bank are as follows:

• Rupay/VISA/MasterCard – Normal Debit Card: ₹30,000
• Prestige Debit Card customers: ₹50,000
• MasterCard – Pride Debit Card, VISA/MasterCard – Business Debit Card: ₹1,00,000

How Much Cash Can Be Withdrawn from an ATM at Once?

In India, the average ATM withdrawal limit per transaction varies between ₹20,000 and ₹100,000, depending upon the bank and debit card type. The typical ATM withdrawal limit is between ₹20,000 and ₹40,000 per transaction for the majority of public sector banks, including State Bank of India, Bank of Baroda, and Canara Bank. More limitations are sometimes offered by private banks; for example, HDFC Bank and ICICI Bank permit withdrawals of up to ₹50,000 for specific premium debit card varieties.

Recent New ATM Cash Withdrawal Rules and Regulation

The RBI has updated ATM transaction policies:

• After exceeding the cash withdrawal limit, each transaction costs ₹21.
• The increased charge compensates banks for rising costs and interchange fees.
• Banks must provide a minimum of 5 free ATM transactions per month, including both financial and non-financial transactions.
• This free limit applies to transactions at the bank’s own ATMs as well as other bank ATMs.

Can you Increase your ATM Withdrawal Limit?

Yes, you can increase your ATM withdrawal limit in the following ways:

• The easiest method is to contact your bank and request an increase.
• Banks may offer to raise your ATM cash withdrawal limit either temporarily or permanently.
• Your account history, relationship with the bank, and reason for the increase hold an important place.
• You’ll need a strong justification for a permanent limit increase.

Higher limits necessitate increased vigilance to prevent unauthorized access in case of debit card loss or theft.

Conclusion

Users must adhere to the updated daily ATM cash withdrawal limit as per the RBI’s implementation to remain compliant and prevent paying extra charges. Smart financial practices, such as checking account balances and making fewer but larger withdrawals, can help customers get the most out of their free ATM transactions while minimising penalties. It is also suggested that you check with your bank on a regular basis for changes in ATM policy.

Frequently Asked Questions

1. How much money can be withdrawn from an ATM at once?

Depending on the bank, the maximum amount that you can withdraw from an ATM at once can differ; however, it usually ranges from ₹10,000 to ₹40,000 for each transaction. Certain banks may have different restrictions based on the kind of account and the person. It’s crucial to confirm the precise ATM withdrawal limit set by your bank.

2. How many ATM transactions are free?

Most Indian banks provide their customers with five free ATM transactions each month at their own bank’s ATMs, in accordance with RBI requirements. Depending on the area, users of other bank ATMs are also normally permitted three to five free transactions each month. Banks may charge up to ₹21 for each withdrawal in addition to the free transactions.

3. Can I withdraw ₹1000 From an ATM everyday?

While withdrawing ₹1,000 from an ATM daily is possible, it may not always be recommended. After 5 free transactions, you will be levied a fee on your transactions.

4. What to Do When You Need Money Urgently?

When you need money urgently, consider alternative options to ATM withdrawals. These include mobile wallets, online banking transfers, and borrowing from friends and relatives. If necessary, go to your bank branch to make a withdrawal or explore short-term financing options. Avoid excessive ATM use since it may result in greater costs and a decrease in your account balance.

5. Does an ATM card charge a fee for money withdrawal?

Most banks in India offer up to 5 free transactions at their own ATMs and 3-5 at other banks’ ATMs. After you’ve used your free limits, banks can charge a fee of up to ₹21 per withdrawal.

6. Is OTP required for an ATM withdrawal?

Yes, an OTP (One-Time Password) is typically required for a certain amount of ATM withdrawals in India. For example, SBI users will need an OTP if they wish to withdraw above ₹10,000. The OTP is sent to your registered phone number. This additional security step helps to prevent unauthorized access to your account. However, certain banks may need alternative identification for ATM withdrawals.

The post ATM Withdrawal Limit for 2024 appeared first on Razorpay Learn.

Related Read: How to Withdraw Money From ATM?

How to Track ATM Card Delivery Status Using Various Methods?

Method 1: How to Track ATM Card Delivery Status with Third-Party Delivery Partners

Banks often utilize third-party delivery partners for dispatching ATM cards to customers. These partners could be private courier companies or post offices. The process is designed to be efficient and secure, ensuring that your ATM card reaches you safely.

You will get a text message on your registered mobile number after your ATM card has been sent. The message will include essential details like the courier tracking number.

You can track your ATM card delivery status online using the following steps:

• STEP 1: Open the SMS notification you received from your bank. Note down the courier tracking number.
• STEP 2: Visit the website of the third-party delivery partner. This information is usually provided in the SMS.
• STEP 3: Look for the option to track shipments or parcels on the delivery partner’s website.
• STEP 4: Enter the courier tracking number in the designated field and click on ‘Track’.
• STEP 5: You will now see the current status of your ATM card delivery.

How to contact customer service about ATM card delivery?

If you experience any issues with online tracking of your ATM card status, you can contact your bank’s customer service department. Provide your account details and the tracking number, and they will assist you with the current status of your ATM card delivery.

Note: Remember, the delivery partner returns the ATM card to the bank if you are unavailable at the delivery address mentioned in your bank records.

Method 2: Checking ATM Card Status Through Your Bank’s Internet Banking

Customers often apply for a new ATM card or request a replacement for a lost or damaged one and eagerly await its arrival. However, not all banks provide a tracking number for dispatched ATM cards. That is where Internet banking becomes useful.

Steps to track ATM Card delivery status:

STEP 1: Open your mobile banking app.

STEP 2: Navigate to the cards section.

STEP 3: Look for the “Debit Card Issuance Tracking” or similar option and click on it.

STEP 4: Select your account number and the year and month you applied for the new ATM/Debit Card, then click the submit button.

You can now view your Debit Card request status, which includes the card request date, card request status (accepted/rejected), last 4-digit of the new Debit Card, and Dispatch Status.

Note: The specific steps may differ slightly depending on the bank’s internet banking interface.

Benefits of using Internet Banking for tracking ATM Card Delivery:

• You can review the status anytime and anywhere with an internet connection.
• You may access the tracking feature on any device that supports internet browsing.
• Get real-time updates on the status of your ATM card on the bank’s portal.

Method 3: Track ATM Card Status Through SMS and Email Notifications

Stay informed about your ATM card’s journey with SMS and email alerts. Banks typically provide updates on dispatch, expected delivery, and courier tracking information. For added peace of mind, you can also contact your bank’s customer service for assistance if you don’t receive notifications.

Method 4: Track ATM Card Status via Customer Service Helpline

Most banks feature a helpline focused on ATM card inquiries. An Interactive Voice Response (IVR) system will guide you when you call. Simply listen to the prompts and select the option for tracking your ATM card. You may need to provide some information for identity verification, typically the last four digits of your bank account.

Related Read: How to Withdraw Money From an ATM Without a Card

How to Track ATM Card Delivery Status for Different Banks?

1. State Bank of India (SBI)

State Bank of India (SBI) provides multiple ways to track the ATM status includes:

• Website
• App Tracking

Method 1: How to Track SBI ATM Card Delivery Status Using SBI Net Banking Portal?

STEP 1: Log in to your SBI Net Banking account with your username and password.

STEP 2: Navigate to the “e-Services” section.

STEP 3: Click on the “ATM cum Debit Card” option.

STEP 4: Select the “Track Debit Card” tab.

STEP 5: Select your account number and the month the card was issued, then click ‘Submit’.

Method 2: How to Track SBI ATM Card Delivery Status Using SBI Yono Lite App?

STEP 1: Open the SBI Yono Lite app

Launch the app on your smartphone.

STEP 2: Log in to the App Using Credentials

Enter your registered mobile number and internet banking password to access your account.

STEP 3: Navigate to Manage Cards

Look for the “Manage Cards” or similar option and tap on it.

STEP 4: Select Debit Card Issuance Tracking

Choose the option labeled “Debit Card Issuance Tracking” or something equivalent.

STEP 5: Provide Details

Enter the required information, such as your account number, the year, and the month you applied for the card.

STEP 6: Submit

Click on the “Submit” button to proceed.

STEP 7: Check Delivery Status

The app will display the current status of your ATM card delivery.

Method 3: How to Track SBI ATM Card Delivery Status through SMS Notifications?

STEP 1: Wait for the SMS

After your ATM card is dispatched, SBI will send you an SMS with a Speed Post tracking number.

STEP 2: Locate the Tracking Number

Find the Speed Post tracking number in the SMS you received from SBI.

STEP 3: Visit India Post Website

Go to the India Post website.

STEP 4: Enter Tracking Number

Input the Speed Post tracking number on the India Post website to track your card’s delivery status.

Method 4: How to Track SBI ATM Card Delivery Status through Customer Service

You can contact the customer care centre of SBI to know your ATM dispatch status. The toll-free numbers are 1800 1234 or 1800 2100.

Related Read: SBI ATM Withdrawal Limit in 2024 

2. HDFC Bank

Method 1: How to Track HDFC ATM Card Delivery Status Using Website/App Tracking?

After applying for your HDFC Bank debit/credit card, check the status by providing your mobile number along with any one of these three details – Application reference number, application form number, or date of birth.

Method 2: How to Track HDFC ATM Card Delivery Status through Email Alerts?

STEP 1: Obtain Registration Form

HDFC Bank’s customer care is available 24*7 to help you with any queries, emergencies, feedback, or complaints. You can reach them on the toll-free number 1800 1600 / 1800 2600.

3. ICICI Bank

Method 1: How to Track ICICI ATM Card Delivery Status Using Website Tracking

STEP 1: Visit ICICI Bank’s Track Application Page

Go to ICICI Bank website.

STEP 2: Enter Details

Provide your mobile number and PAN on the page.

STEP 3: View Status

The status of your application or deliverable will be displayed on the screen.

Method 2: How to Track ICICI ATM Card Delivery Status Using App Tracking

Alternatively, you can use ICICI Bank’s iMobile app:

STEP 1: Log in

Access your ICICI Bank iMobile app or Internet Banking account.

STEP 2: Find Track Deliverables Option

Look for the option to track deliverables within the app or online banking platform.

STEP 3: Check Status

Follow the on-screen instructions to view the status of your deliverables.

Method 3:  How to Track ICICI ATM Card Delivery Status Through SMS and Email Notifications

STEP 1: Check Eligibility

Ensure your mobile number is registered with your ICICI Bank account.

STEP 2: Visit ICICI Bank Website

Go to the ICICI Bank website and look for the SMS Alerts registration section.

STEP 3: Register for Service

Follow the on-screen instructions to enroll in the SMS Alerts service.

STEP 4: Confirm Registration

Verify your registration details as required.

Method 4:  How to Track ICICI ATM Card Delivery Status Through Customer Service

You can call ICICI Bank’s customer support for any card-related queries or complaints at their Toll-Free number, 1800 200 3344, between 9.00 a.m. to 06.00 p.m. to register your grievance.

4. Axis Bank

Method 1: How to Track Axis ATM Card Delivery Status Using Website Tracking

STEP 1: Visit Axis Bank Application Tracker

Go to the Axis Bank Application Tracker page.

STEP 2: Enter Details

Provide the required information to check your ATM card status.

STEP 3: Check Status

Review the displayed information to determine the status of your ATM card.

Method 2: How to Track Axis ATM Card Delivery Status Using AI Bot

Alternatively, you can use Axis Bank’s AI bot, AHA:

STEP 1: Access to Axis AHA

Find the Axis AHA chatbot on the Axis Bank website.

STEP 2: Ask About ATM Card Status using Chatbot

Interact with the chatbot and inquire about the status of your ATM card.

STEP 3: Provide Details to Chatbot

Provide necessary details as prompted by the chatbot.

STEP 4: Get the Status

The chatbot will display the current status of your ATM card.

Method 3: How to Track Axis ATM Card Delivery Status Through Push Notifications

STEP 1: Check Eligibility

Ensure your mobile number is registered with your Axis Bank account.

STEP 2: Visit Axis Bank Branch

Visit your nearest Axis Bank branch to inquire about activating SMS banking services.

STEP 3: Fill Out Form

Complete the necessary forms provided by the bank.

STEP 4: Activate Value Added Services

If available, opt for Value Added SMS alerts to receive updates on deliverables like ATM cards.

Method 4:  How to Track Axis ATM Card Delivery Status Through Customer Service

You can connect to the Axis Bank customer care team by dialling toll-free numbers: 1860-419-5555 / 1860-500-5555 / 1800-103-5577. The team will help you provide details on your ATM status.

5. Kotak Mahindra Bank

STEP 1: Await SMS

Once your debit card is dispatched, Kotak Mahindra Bank will send you an SMS containing details of your package and a tracking link.

STEP 2: Use Tracking Link

Click the provided link in the SMS to track your debit card’s status.

STEP 3: Check Kotak Website

Alternatively, visit the Kotak Mahindra Bank website to check the courier details and status of your debit card.

STEP 4: Contact Customer Care

If you encounter any issues, call Kotak Mahindra Bank’s customer care at 1860 266 2666 for assistance.

6. Punjab National Bank (PNB)

STEP 1: Access PNB Internet Banking

Log in to your Punjab National Bank (PNB) internet banking account.

STEP 2: Locate Card Status Option

Look for the option to track ATM card status within your internet banking dashboard.

STEP 3: Check Card Status

Follow the on-screen instructions to view the status of your ATM card.

If you need further assistance:

Call PNB Customer Care: Contact the PNB customer care helpline at 1800 1800 or 1800 2021 for support.

7. Bank of Baroda (BoB)

STEP 1: Await SMS

After your ATM card is dispatched, Bank of Baroda will send you an SMS containing a Speed Post AWB (Airway Bill) number.

STEP 2: Visit India Post Website

Go to the official India Post website.

STEP 3: Enter AWB Number

Input the Speed Post AWB number provided by the bank to track your card’s delivery status.

STEP 4: Check Delivery Status

Use the India Post tracking system to monitor the progress of your ATM card shipment.

If you need assistance:

Contact Bank of Baroda: Call the Bank of Baroda customer care at 1800 5700 for support.

Conclusion

Keeping track of your ATM card’s delivery is essential for security. Fortunately, it’s easy to monitor its progress. Use your bank’s online portal, SMS alerts, or customer service to stay informed. If there’s a delay or issue, act promptly. A secure and timely delivery protects your financial well-being.

FAQs

1. How long does it take for an ATM card to be delivered?

The delivery time for an ATM card can vary. It takes about 7 to 10 business days. Some banks offer expedited delivery, which can reduce the delivery time to 2-3 business days.

2. Can I track the current location of my ATM card?

Yes, you can track your ATM card’s delivery status. Banks often send ATM cards through courier services, which provide tracking numbers. You can use this number on the courier’s website to track your card’s transit and delivery status.

3. How can I track my ATM card through Speed Post?

To track your ATM card through Speed Post, use the tracking number provided by your bank. Visit the India Post website, enter the tracking number in the ‘Track Consignment’ section, and view the delivery status.

4. How will I know when my ATM card has been dispatched?

Banks typically notify you when your ATM card has been dispatched. You will receive an SMS on your registered mobile number with the dispatch details, including a tracking number.

5. What should I do if my ATM card doesn’t arrive within the expected timeframe?

Contact your bank’s customer service if your ATM card doesn’t arrive within the expected timeframe. They can provide guidance and help resolve any delivery issues.

6. What happens if my ATM card is delivered to the wrong address?

If your ATM card is delivered to the wrong address, contact the shipping company with the tracking number and details. Also, inform your bank about the misdelivery.

7. Where can I find the tracking number for my ATM card delivery?

Your bank will send you an SMS on your registered mobile number when your ATM card is dispatched. This message will include the courier tracking number. You can use this tracking number on the courier’s website to track the status of the ATM card delivery.

The post How to Track ATM Card Delivery Status? A Step-by-Step Guide appeared first on Razorpay Learn.

The good news is that unblocking your ATM card is an easy procedure. In this article, we will explore the most effective methods for unblocking your card and preventative measures for future blockages.

Related Read: What is White Label ATM? Know Examples And Benefits

Methods to Unblock an ATM Card

An ATM card can be unblocked using various methods. These approaches depend on the urgency, reasons for suspension, and the issuing bank’s rules.

The most common methods to unblock an ATM card include the following:

1. By visiting a bank branch
2. Through SMS banking
3. Through Netbanking / Mobile Banking App (Online)
4.  Automatic unblocking process
5. By calling customer service

Note: In case your ATM card is missing or gets stolen, you can block your ATM card intentionally by contacting your bank.

Method 1: How to Unblock ATM Card by Visiting a Bank Branch?

One of the most reliable methods to unblock your ATM card is by visiting your bank’s nearest branch. Visit your bank’s branch and submit a written application to unblock your ATM card. Provide identification and address proof to verify your identity. Once verified, the bank will unblock your card.

Method 2: How to Unblock ATM Card by SMS Banking Method?

• STEP 1: Check if your bank offers SMS unblocking and find out the required format or keywords
• STEP 2: Send an SMS to your bank’s number with details like the account number, card number, and blocking reason
• STEP 3: You may get a confirmation code or link to confirm your request
• STEP 4: After verifying your identity, the bank will send an SMS confirming your card is unblocked and usable

Note: This doesn’t apply to cards permanently deactivated for non-expiration reasons.

Method 3: How to Unblock ATM Card through Netbanking / Mobile Banking App (Online)?

Some banks allow you to unblock your ATM card online. You can do this by simply logging into your bank’s net banking portal or mobile app and following the subsequent instructions.

Method 4: How to Unblock ATM Card by Automatic Unblocking Process?

Your bank can automatically activate or unblock your ATM card in a few instances:

• If you forget your ATM PIN and make three incorrect attempts, your card may be temporarily blocked for 24 hours. It will be reactivated once the time duration is over.
• Banks may block your ATM card for security reasons if they detect any suspicious transactions. The card is unblocked once the security checks are completed.

Method 5: How to Unblock ATM Card by Calling Customer Service?

• • STEP 1: Contact your bank’s customer service
  • STEP 2: Follow the automated instructions, or you can opt to talk with a representative
  • STEP 3: Confirm your identity with details like your account and card numbers
  • STEP 4: Place a request to unblock the card
  • STEP 5: Unblocking your card may require additional information, or you might need to visit a branch to complete the process

Related Read: How to Generate ATM PIN Using ATM, SMS, Net & Mobile Banking

What are the Steps to Follow After Unblocking an ATM Card?

STEP 1: Changing Your PIN

After your ATM card has been unblocked, it is safe to change your PIN for added security. You can do this at an ATM terminal, your bank’s mobile app, or at a branch.

STEP 2: Monitoring Your Account

Watch your bank account closely post-unblocking. Inform your bank immediately if there are any suspicious transactions made to prevent further issues.

STEP 3: Updating Your Contact Information

Always verify and update your phone number and email with your bank. This ensures quick communication in case of future card or account issues.

Conclusion

You may simply follow any one of the methods listed above to unblock your ATM card immediately. As a user, always be mindful of your ATM cards and if you suspect it is missing, contact your bank and block the card right away to prevent any ATM fraud activities.

It is advised to keep your PIN private, update your contact details, and monitor your account regularly. Stay proactive to minimise inconvenience and maintain control of your finances.

Frequently Asked Questions

1. What are the most common reasons for an ATM card to be blocked?

The most common reasons for an ATM card blockage is due to:

• Abnormal use patterns, such as high-value purchases or transactions in a new location
• Technical errors or changes in the bank’s terms
• Repeatedly typing an invalid CVV or PIN for security concerns

2. How long does it take to unblock my ATM card?

When an ATM card is blocked due to incorrect PIN inputs, it usually takes 24 hours to automatically unblock it. However, based on the bank’s policies, the time frame could vary. If you want to unblock the card sooner, you can contact your bank directly via their online banking portal, mobile app, or customer care.

3. How do I know if my ATM card is blocked?

You can find out whether your ATM card is blocked by contacting your bank’s customer care, checking your account balance online, or attempting a small transaction and seeing if it’s denied.

4. Is there a fee for unblocking my ATM card?

Since it is the bank’s duty to protect its customers’ accounts, there usually is no cost associated with unblocking an ATM card.

5. How can I prevent my ATM card from getting blocked again?

To keep your ATM card from being blocked again, avoid entering the wrong PIN, use your card for legitimate transactions only, and keep it secure to prevent unauthorised usage. If you detect any unusual activity, call your bank instantly to restrict the card and avoid future misuse.

6. What if my card gets blocked while I’m travelling abroad?

If your ATM card is blocked while travelling abroad, call your bank immediately to get it unblocked. Provide information about your travel intentions so that the bank can reactivate the card and prevent further bans. Carry a backup payment option, such as a credit card or cash, to prevent being stranded without finances.

7. Can I withdraw money from a blocked ATM card?

No, you can’t withdraw money from a blocked ATM card. The card is banned for security reasons, which prevents any transactions until it is unblocked. To access your funds, you must first unblock the card through your bank.

The post How To Unblock ATM Card Using Various Methods? appeared first on Razorpay Learn.

Different Methods to Block ATM Cards

Banks offer multiple convenient options for blocking your card in the event of loss, theft, or suspected fraudulent activity to prevent unauthorized transactions and ensure the safety of your account.

Method 1. Call Customer Care to Block ATM Card

All major banks in India, including SBI, HDFC Bank, ICICI Bank, Axis Bank, Bank of Baroda, Punjab National Bank, and Canara Bank, offer specialized customer care services to help consumers block their ATM cards. These banks provide customers with toll-free numbers that are available 24/7.

Some of the top bank’s customer care numbers are:

• SBI: 1800 11 2211

• HDFC: 1800 202 6161

• ICICI: 1860 120 7777

• Axis Bank: 1860 419 5555

• Bank of Baroda (BoB): 1800 258 4455

• PNB: 1800 180 2222

• Canara Bank: 1800 425 0018

To block an ATM card via customer care, call the bank’s CC number and inform the agent of your issue. They will guide you through the steps, which often include verifying your identification and account information.

Once the block is successfully placed, you may receive a confirmation by SMS or email. A customer service executive may be assigned to confirm that the rightful owner is involved in the process and to provide any additional assistance if needed.

Method 2. Block ATM Card Using NetBanking

Visit your bank’s NetBanking portal, where details of your active cards or the option to block an ATM card can be found. Here are the login links for major banks in India:

• SBI NetBanking

• HDFC NetBanking

• ICICI NetBanking

• Axis Bank NetBanking

• Bank of Baroda NetBanking

• Punjab National Bank NetBanking

• Canara Bank NetBanking

It’s important to confirm your intention to block your card to prevent accidental blocking and ensure that you take the correct action for the right card.

Additionally, verify your identity to continue blocking by entering your NetBanking profile password or an OTP (One-Time Password) sent to your registered phone number. These safety measures ensure that only authorized users can block the card

Once the process is completed successfully, you will receive a notification confirming that your ATM card has been blocked. A reference ticket number will be displayed on the screen for future reference or to contact customer support.

Method 3. Block ATM Card With SMS

Banks offer SMS banking services that allow you to conveniently disable your ATM card by sending the following pre-formatted message to the number specified by your bank:

BLOCK XXXX ( Where XXXX represents the last 4 digits of your ATM card number)

Send this to the number provided by your bank.

You will receive a unique ticket number shortly after you’ve sent the SMS, confirming that the ATM card block has been successfully initiated. This method improves ease and security against fraudulent transactions by providing easy accessibility, quick response time, and simplicity. It also allows card blocking from any location without the need for an internet connection or customer support calls.

Method 4. Submit an ATM Card Block Application by Visiting the Bank Branch

If you prefer a more personalized approach or have restricted access to digital banking services, you can disable your ATM card by visiting your bank’s local branch. This method enables you to seek help directly from bank staff, ensuring prompt action to prevent unauthorized transactions.

Bank employees will guide you through the procedure and can ask for identity verification for security reasons and to ensure your request is legitimate. The bank officials are well-equipped to promptly block your debit card and provide you with a confirmation of the successful block. They may also offer additional instructions or steps, such as applying for a replacement card or updating your contact information.

Thus, visiting a bank branch provides personalized service, face-to-face conversation, and a quick response to your requests.

Why It’s Crucial to Block an ATM Card?

Losing or having your ATM card stolen may be frustrating and financially devastating. Prompt action to disable the card is crucial for preventing unauthorized access to your bank account and safeguarding your hard-earned money from fraudulent transactions.

When an ATM card gets into the wrong hands, it may be used to make unauthorized withdrawals, purchases, and financial transfers. Delays in the card-blocking procedure can result in financial losses and jeopardize personal information, potentially contributing to identity theft.

Thus, it is essential to contact the bank officials and take precautionary action immediately in such scenarios, by blocking your ATM card and disabling all its functions, including transfers, cash withdrawals, PIN changes, and online payments.

Related Read: How To Unblock ATM Card in 2024: A Complete Guide

Frequently Asked Questions (FAQs)

1. Is it possible to temporarily block ATM cards?

Yes, many banks offer the option of temporarily blocking ATM cards. This service is useful for preventing unauthorized access while the card is missing or at risk.

2. What happens after I block my ATM card?

Once your ATM card has been blocked, your bank will disable it to prevent future transactions. You must then request a new card to access your account, which the bank will generally issue within a few business days. You will be unable to use ATM or debit card transactions until the replacement card arrives.

3. Will I receive a new ATM card after blocking the old one?

Yes, when you block your ATM card, your bank will issue a replacement card, which you can expect to receive within 7-10 business days, depending on your bank’s regulations and shipping method.

4. Are there any charges for blocking an ATM card?

Blocking an ATM card is usually free, as banks offer this service to protect against unauthorized transactions. However, some banks may charge a modest fee for issuing a new card after the first blockage.

5. How can I report a lost or stolen debit card?

If your debit card has been lost or stolen, contact your bank immediately. To report the problem, call your bank’s customer support number or go to a local branch.

6. How can I block my SBI card if lost?

To block your missing SBI card, contact the customer helpdesk, use the SBI mobile app or online banking, or visit your nearest SBI branch.

7. Can you still transfer money after blocking an ATM card?

Yes, you can continue to transfer funds from your bank account using online banking, mobile banking applications, or other digital payment methods after banning your ATM card. Blocking the card simply prevents it from being used for ATM withdrawals and point-of-sale transactions.

The post How To Block ATM Card in 2024? Step By Step Guide appeared first on Razorpay Learn.

Advantages Of ATM

1. Round-the-clock Availability

ATMs provide you with any-time access to banking services, making them convenient for urgent withdrawals. This round-the-clock availability increases the flexibility of banking operations, ensuring great customer service.

2. Global Access and Convenience

ATMs offer global access, enabling you to carry out numerous financial activities easily, regardless of where you are. This makes banking easy and accessible, improving customer experience.

3. Reduced Bank Queues

As an alternative to in-person transactions, ATMs considerably reduce congestion at bank branches. By reducing wait times and allowing staff members to concentrate on more complicated customer needs, this efficiency saves time for both consumers and bank employees.

4. Quick Transactions

Another advantage of ATM machines is faster and more convenient financial transactions through simple and rapid operations including cash withdrawals, balance checks, and more. The whole banking experience is streamlined since users can rapidly withdraw cash, cheque balances and complete simple transactions without having to speak with bankers directly.

5. Variety of Banking Services at Fingertips

In addition to accepting deposits, you can also use ATMs for transfers of money, bill payments, mobile recharges, and mini statements.

6. Promoting Financial Literacy

Using ATMs encourages you to manage your transactions independently and be in control of your finances. This enhances your money management skills and financial future.

7. Cardless Money Withdrawal

UPI-enabled ATMs allow you to make transactions without requiring a physical card. This increases convenience while lowering the danger of card loss, making banking more secure and accessible.

Disadvantages of ATM

1. Incurred Transaction Fees

ATMs may impose transaction fees, especially when they are not connected to the user’s bank or once all free withdrawals have been exhausted. The total cost of financial transactions may increase as a result of these fees over time.

2. Security / Fraud Risk

ATMs are highly susceptible to fraud. Be careful and avoid scams, skimming devices, and other fraudulent actions that jeopardize your financial security.

3. Technical Issues

ATMs may face technical issues like malfunctions and network problems, resulting in service disruptions. These may inconvenience you if you’re requesting rapid cash access.

4. Limited Cash Availability

ATMs have daily withdrawal limitations and may run out of cash during periods of high usage, limiting your access to your funds. This can be especially difficult in emergencies where you may need larger amounts.

5. Lack of Personalized Service

It is challenging to handle complicated banking concerns or receive personalized financial advice while using an ATM since it lacks the face-to-face interaction and assistance that bank employees may provide.

6. Limited Service Availability

ATMs offer a range of services but may lack specific features. This may force you to visit a bank office to complete certain transactions, such as cash deposits.

7. Limited Availability in Rural Areas

Rural or remote areas frequently report fewer ATMs, signifying the weak financial infrastructure in developing nations. Limited access to banking services may cause obstacles for residents to manage their finances effectively.

Conclusion

ATMs have many benefits, like accessibility, ease, and a variety of services. They also have drawbacks like transaction costs, security issues, and restricted availability in some locations. You can maximize the potential advantages of ATMs with prudent financial decisions, and seeking alternate choices as needed.

Related Read: How to Withdraw Money From ATM? – Step-by-Step Guide

Frequently Asked Questions (FAQs)

1. What are the benefits of using an ATM over visiting a bank branch?

ATMs provide unmatched convenience by enabling access to financial services 24/7. They offer rapid transactions without the need to stand in a queue. Furthermore, ATMs are extensively distributed across locations, decreasing the need for visits to bank branches.

2. What is the reason for the failure of an ATM to dispense cash?

Hardware or software issues may cause an ATM to fail in dispensing cash. It may also run out of cash, particularly during times of high usage. Additionally, network connectivity issues might prohibit transactions from being processed successfully.

3. What fees are associated with ATMs?

ATM fees sometimes include withdrawal fees charged by unaffiliated banks. You may also be charged a fee for balance queries and extra transactions. International ATM usage may result in currency conversion and extra international transaction costs.

4. What should I do if an ATM transaction fails but my account is debited?

To report a failed transaction, contact your bank’s customer support immediately. Provide information such as the ATM location, amount debited, and transaction time. Keep track of the conversation and follow up until your problem is fixed.

The post Top 7 Advantages And Disadvantages of ATM: Ultimate Guide appeared first on Razorpay Learn.

What is UPI ATM Cash Withdrawal? 

UPI ATM Cash Withdrawal is a service offered by the National Payments Corporation of India (NPCI) that facilitates cardless cash withdrawals from ATMs utilizing the Unified Payments Interface (UPI).  This innovative technology eliminates the need for physical debit cards, enhancing convenience and security for users.

Known as Interoperable Cardless Cash Withdrawal (ICCW), this service marks a significant milestone in cardless transactions, with India introducing its first UPI-ATM on September 5, 2023, in Mumbai.

Some of the prominent features of this cardless withdrawal feature are: 

1. Interoperability: The UPI ATM is compatible across various banking systems, allowing usage with multiple bank accounts regardless of the bank.
2. Transaction Limit: There is an upper limit of ₹10,000 per transaction using the UPI ATM. It is also subject to daily UPI limits and bank-specific restrictions. 
3. QR Code-Based Withdrawal: Using QR codes ensures security by eliminating risks associated with cards, such as cloning, making it a safer and more secure method. 
4. Instant Cash Dispensation: Once confirmed, the UPI ATM instantly dispenses the requested cash, debiting the same from your account.
5. Single UPI App: With a single UPI app, you can withdraw cash from multiple accounts, simplifying the process and reducing the need for multiple cards.

How to Withdraw Cash using UPI at an ATM? 

Here is a step-by-step guide on how you can withdraw cash from an ATM using UPI on your smartphone:

Step 1: Locate a UPI-Enabled ATM

ATMs may explicitly indicate if they are UPI-enabled. Look for ‘UPI Cash Withdrawal’ at the bottom right or top left corner of the ATM screen to confirm UPI withdrawal support.

Image Credit: NPCI

Step 2: Select the Amount to Withdraw

Select the amount you wish to withdraw, or enter a custom amount using the ‘Other Amount’ option.

Image Credit: NPCI

Step 3: QR Code Presented

A single-use dynamic QR code will be displayed on the screen, which is valid for 30 seconds or until the scanning process is completed, whichever comes first.

Image Credit: NPCI

Related Read: Related Read: ATM Withdrawal Limit for 2024

Step 4: Scan QR Code Using UPI App

Use the UPI application on your smartphone and scan the QR Code. The screen will automatically time out once the transaction is completed.

Step 5: Enter UPI PIN and Collect Cash

On your UPI application, enter your UPI PIN and collect cash from the ATM.

Image Credit: NPCI

UPI ATM Cash Withdrawal Benefits

1. Enhanced Security: ICCW eliminates the risks of card-related frauds, such as card cloning and skimming, since it does not involve the use of a physical card.
2. Accessibility: This service is easily accessible, as it is supported by most banks and ATMs that use the UPI platform. Additionally, if you haven’t received your physical card after opening a new account, you can still withdraw money using this feature.
3. Convenience: With UPI ATM withdrawals, you don’t need to carry a physical card, thus avoiding the risk of losing or misplacing it. This method offers a convenient way to access cash without any hassle.
4. Cash Withdrawals from Multiple Accounts: While traditional ATM transactions with a card limit you to one account, UPI ATM transactions allow you to choose from multiple linked accounts.

UPI ATM Transaction Limits and Charges 2024

You can withdraw up to ₹10,000 per transaction using the UPI ATM, which falls within the existing daily UPI limit and is subject to your bank’s restrictions. The National Payments Corporation of India (NPCI) does not charge any fees for UPI ATM transactions. However, the usual ATM fee structure still applies, depending on your account type and the number of monthly ATM transactions allowed.

List of Banks Offering UPI ATM Cash Withdrawal Services in 2024

The full list can be found on the NPCI website.

How is UPI ATM Withdrawals Different from Cardless ATM Withdrawals?

The Reserve Bank of India permits ICCW transactions, which include both cardless cash withdrawals and UPI-ATM withdrawals. The key differences between these two methods lie in their processes and convenience.

Cardless cash withdrawals require initiating the request through NetBanking, which involves adding beneficiaries, inputting mobile numbers, and entering one-time passwords. This method can be time-consuming and involves multiple steps.

On the other hand, UPI-ATM withdrawals offer a more streamlined approach. With UPI-ATM, you can instantly withdraw cash using any UPI-enabled app by simply scanning a QR code and authenticating the transaction with your UPI PIN. This method eliminates the need for pre-authorization and multiple steps, making it quicker and more convenient.

Conclusion

UPI ATM withdrawals offer a modern, convenient, and secure method for accessing cash without needing a physical card. By simply using a UPI-enabled app on your smartphone, you can withdraw cash instantly by scanning a QR code, enhancing security and ease of use. With widespread support across various banks and ATMs, this feature ensures accessibility and flexibility. So, even if you forget your wallet at home, you can still withdraw money effortlessly using the UPI ATM withdrawal feature.

FAQs

1. Is UPI ATM cash withdrawal available at all ATMs?

No, UPI ATM cash withdrawal is not available at all ATMs. Only UPI-enabled ATMs from participating banks support this feature. Look for ‘UPI Cash Withdrawal’ on the ATM screen to confirm its availability. For the full list of banks, check the NPCI website.

2. How can I find a UPI cash withdrawal ATM near me?

To find a UPI cash withdrawal ATM near you, look for ATMs that explicitly state ‘UPI Cash Withdrawal’ on their screens. This indication is usually found at the bottom right or top left corner of the ATM screen. You can locate ATMs near you from NPCI website.

3. Can I use Google Pay to withdraw money from an ATM?

Yes. Google Pay can be used with UPI-ATM machines by scanning the QR code displayed on the ATM screen using the Google Pay app. Once you scan the QR code, you can authenticate the transaction with your UPI PIN directly through the app. 

4. I cannot find the “UPI cash withdrawal” option on the ATM, what should I do?

If you cannot find the “UPI cash withdrawal” option on the ATM, check for compatibility by looking for specific signage indicating UPI support. Consider using another ATM known to offer this service or contact your bank for assistance.

5. What should I do if the UPI-ATM transaction fails?

If a UPI-ATM transaction fails, ensure your internet connection is stable and retry the transaction after confirming the QR code scan and UPI PIN entry. If the issue persists, contact your bank’s customer support for assistance and clarification on the transaction status.

6. Can I use Bank of India UPI at ATMs for cash withdrawals?

Yes, you can use Bank of India UPI at ATMs for cash withdrawals, provided the ATM is UPI-enabled and supports this feature.

7. Is the UPI PIN and ATM PIN the same?

The UPI PIN and ATM PIN are distinct. A UPI PIN is used exclusively for transactions through UPI applications, whereas an ATM PIN is a four-digit code essential for authenticating debit card transactions

8. How secure is UPI ATM cash withdrawal compared to using a physical ATM card?

UPI ATM cash withdrawal offers enhanced security compared to using a physical ATM card. It eliminates risks like card cloning and skimming since it doesn’t involve a physical card. The use of QR codes adds an additional layer of security, making transactions safer and more secure.

9. Are UPI ATM withdrawals available 24/7?

Yes, they are available 24/7.

10. Can I use UPI for ATM withdrawals if I have multiple bank accounts linked to the same UPI app?

Yes, you can use UPI for ATM withdrawals even if you have multiple bank accounts linked to the same UPI app.

The post UPI ATM Cash Withdrawal: Withdraw Money Using UPI ATM appeared first on Razorpay Learn.

Prerequisites for Applying for an SBI Debit Card

Before starting your application, make sure you have all the necessary documents and meet the eligibility criteria. Here’s what you need:

Required Documents

1. Identification Proof: Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License.
2. Address Proof: Aadhaar Card, Passport, Utility Bills (electricity, water, gas), or Rent Agreement.
3. Account Number: An active SBI savings or current account.
4. Mobile Number: Registered with your SBI account.
5. Email ID: Linked to your SBI account for updates and notifications.

Eligibility Criteria

1. Active SBI Account: You must have an active account with SBI.
2. KYC Compliance: Your account must be KYC (Know Your Customer) compliant.
3. Registered Mobile Number: Ensure your mobile number is updated with the bank.

Related Read: How to Download Aadhaar Card By Aadhaar Number, EID, Name And Date Of Birth, VID?

How to Apply for an ATM Card in SBI in 2024?

SBI offers multiple ways to apply for an ATM card, catering to different preferences. Here, we’ll explore the methods in detail.

Method 1: How to Apply for an SBI ATM Card Online – Using YONO SBI App

1. Download the YONO SBI App: Available on Google Play Store (Android) and App Store (iOS).
2. Login: Use your internet banking credentials or register with your account details.
3. Navigate to Service Requests: Go to the ‘Service Requests’ section in the app menu.
4. Select ATM/Debit Card: Choose the option to apply for a new ATM/debit card.
5. Enter Details: Fill in the required information, such as your account number and personal details.
6. Submit: Review your ATM card application and submit it.
7. Confirmation: You will receive a confirmation message and tracking details via SMS and email.

Method 2: How to Apply for an SBI ATM Card Online – Using SBI NetBanking

1. Login to SBI Netbanking: Visit the SBI net banking portal and log in with your credentials.
2. Go to e-Services: Click on the ‘e-Services’ tab.
3. Request ATM/Debit Card: Select ‘ATM Card Services’ and then ‘Request ATM/Debit Card’.
4. Enter Details: Provide necessary details like account number and personal information.
5. Submit Request: Confirm and submit your SBI ATM application.
6. Acknowledgment: You will receive an acknowledgment with tracking information via SMS and email.

Method 3: How to Apply for an SBI ATM Card – Through Customer Care

1. Call Customer Care: Dial the SBI customer care number (1800 425 3800).
2. Verify Identity: Provide your account details and verify your identity.
3. Request New Card: Request the customer care executive to apply for a new ATM/debit card.
4. Confirmation: You will receive a confirmation SMS and email with tracking details.

Method 4: How to Apply for an SBI ATM Card Offline Without NetBanking – Branch Visit

1. 1. Visit Nearest SBI Branch: Go to your nearest SBI branch.
   2. Fill the Application Form: Ask for the ATM card application form and fill it out with the required details.
   3. Submit Documents: Submit the form along with necessary documents like ID proof and address proof.
   4. Verification: The bank official will verify your documents.
   5. Receive Confirmation: You will receive a confirmation slip with tracking information.

Related Read: How to Generate ATM PIN Using ATM, SMS, Net & Mobile Banking

Choosing the Right SBI ATM-cum-Debit Card

SBI offers a variety of debit cards tailored to different needs. When choosing the right ATM card, consider the following factors:

Types of SBI Debit Cards and it’s Key Features

SBI Debit Card Charges

Different SBI debit cards have varying charges. Here are some typical charges you might encounter:

1. Issuance Fee: Ranges from ₹100 to ₹300, depending on the card type.
2. Annual Maintenance Fee: Typically between ₹150 to ₹350.
3. Transaction Charges: Fees for international transactions or exceeding free withdrawal limits.

SBI Debit Card Processing Time and Activation

After applying for an SBI debit card, the processing time usually takes about 7-10 working days. Once you receive your card, you need to activate it. Here’s how:

Using Net Banking Portal

1. Login to SBI Net Banking: Use your credentials to log in.
2. Go to ATM Card Services: Under ‘e-Services’ select ‘ATM Card Services’ and then ‘Activate Debit Card’.
3. Enter Card Details: Provide your card number and other required details.
4. Submit: Confirm and submit your activation request.

Using YONO SBI App

1. Login to YONO SBI: Access the app using your credentials.
2. Go to Service Requests: Navigate to ‘Service Requests’ and select ‘Debit Card Activation’.
3. Enter Card Details: Input your card number and personal details.
4. Submit: Review and submit your activation request.

Via SMS

1. Compose SMS: Type “ACTIVATE <Card Number> <Last Four Digits of Account Number>”.
2. Send SMS: Send this message to 567676.
3. Confirmation: You will receive a confirmation SMS once your card is activated.

Using Customer Care Number

1. Call Customer Care: Dial the SBI customer care number (1800 425 3800).
2. Verify Identity: Provide your account and card details.
3. Request Activation: Ask the customer care executive to activate your debit card.
4. Confirmation: You will receive an SMS confirmation of the activation.

How to Track SBI ATM Card Delivery Status?

To track the delivery status of your SBI ATM card, follow these steps:

1. Visit the SBI Netbanking Portal: Log in with your credentials.
2. Go to e-Services: Click on ‘e-Services’ and then ‘ATM Card Services’.
3. Track Your Card: Select ‘Track ATM Card Delivery Status’ and enter your details.
4. Check Status: The current status of your card delivery will be displayed.

Alternatively, you can call SBI customer care or visit your branch to inquire about the status.

Conclusion

Applying for an SBI ATM card is a simple process with multiple methods to suit your preference. Whether you opt for the convenience of online application through the YONO SBI app or net banking, or prefer the traditional branch visit, SBI ensures a seamless experience. Choose the right debit card based on your needs and activate it using one of the easy methods provided. Keep track of your card delivery status to stay updated.

FAQs

1. How can I apply for an SBI debit card online without using net banking?

You can apply for an SBI debit card online using the YONO SBI app. Download the app, log in, and follow the steps to apply for a new card without needing net banking.

2. How long does it take to receive an SBI ATM card after applying?

It typically takes about 7-10 working days to receive your SBI ATM card after applying.

3. What are the documents required for an SBI ATM card?

You will need your account number, identification proof (Aadhaar Card, PAN Card, etc.), address proof, registered mobile number, and email ID.

4. Can I apply for a SBI debit card for free?

While the application process itself may be free, some SBI debit cards come with issuance or annual maintenance fees. Check the specific card details for any charges.

5. Can I apply for an SBI ATM card in any branch?

Yes, you can apply for an SBI ATM card at any SBI branch, regardless of where your account is held.

6. Is there an age limit to apply for an SBI ATM card?

Yes, you must be at least 18 years old to apply for an SBI ATM card. Minors can apply for a debit card under the supervision of their guardian.

7. Which SBI debit card is best for me?

The best SBI debit card for you depends on your usage and preferences. For instance, if you travel frequently, the SBI Global International Debit Card might be suitable. For reward points, the SBI Platinum Debit Card is a good option.

8. Can I activate SBI debit cards through call?

Yes, you can activate your SBI debit card by calling the SBI customer care number (1800 425 3800) and following the verification process.

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