ATM Cash Withdrawal Limit

When it comes to accessing your funds through a debit card, it's essential to be aware of the cash withdrawal limit. These limits, set by banks, dictate the maximum amount you can withdraw from ATMs within a specified time frame. Typically, daily limits are in place to safeguard your account and prevent unauthorised access.

These limits vary among banks and account types. Knowing how much money can be withdrawn from your bank’s ATMs is an important practice. It could help you plan your transactions effectively and avoid any inconvenience when you need cash on hand.

Withdrawal Limit of Debit Cards

Here are some daily withdrawal limits set across different banks in India for debit cards:

1. State Bank of India (SBI)

SBI Bank allows its metro city cardholders 3 free withdrawals while users in other cities can enjoy up to 5 free withdrawals. Here are the daily cash withdrawal limits for some top SBI debit cards:

Name of the Card	Cash Withdrawal Limit
SBI Global International Debit Card	₹40,000
SBI Gold International Debit Card	₹50,000
SBI Platinum International Debit Card	₹1 Lakh

2. Punjab National Bank (PNB)

With a Punjab National Bank debit card, you can make 5 ATM cash withdrawals in a month at the base as well as non-base branches. Here are the daily cash withdrawal limits of a few PNB debit cards:

Name of the Card	Cash Withdrawal Limit
PNB Classic Debit Card	₹25,000
PNB Gold and Platinum Debit Card	₹1 Lakh

3. HDFC Bank

At its ATMs, HDFC Bank allows 5 free cash withdrawals. In the case of non-HDFC Bank ATMs, the first 3 transactions are free in the top 6 cities, and 5 transactions are free in other cities.

Here are the daily cash withdrawal limits for various HDFC Bank debit cards:

Name of the Card	Cash Withdrawal Limit
EasyShop International Debit Card, EasyShop Woman's Advantage Debit Card, and EasyShop NRO Debit Card	₹25,000
EasyShop Gold Debit Card, EasyShop Titanium Debit Card, and EasyShop International Business Debit Card	₹50,000
EasyShop Titanium Royale Debit Card	₹75,000
EasyShop Imperia Platinum Chip Debit Card and EasyShop Platinum Debit Card	₹1 Lakh
JetPrivilege HDFC Bank World Debit Card	₹3 Lakhs

4. ICICI Bank

ICICI Bank has over 16,000 ATMs and Cash Recycler Machines (CRMs) in India. The bank also allows debit card holders to withdraw cash from ATMs of other banks.

Here are the daily domestic cash withdrawal limits of a few top ICICI Bank debit cards:

Name of the Card	Cash Withdrawal Limit
Smart Shopper Silver Debit Card	₹50,000
ICICI Bank Platinum Debit Card, Privilege Banking Titanium Debit Card, and NRE Debit Card	₹1 Lakh
Woman's Debit Card	₹1 Lakh to ₹2 Lakhs
Wealth Select Visa Infinite Debit Card and Private Banking Visa Infinite Debit Card	₹1.5 Lakhs

5. Axis Bank

With an Axis Bank debit card, you can easily withdraw cash from the bank’s 11,000+ ATMs nationwide. Here are the daily cash withdrawal limits for some of the Axis Bank debit cards:

Name of the Card	Cash Withdrawal Limit
Visa Classic Platinum Debit Card, RuPay Platinum Debit Card, Youth Debit Card, Smart Privilege Debit Card	₹40,000
Gold Debit Card, Titanium Rewards Debit Card and Secure+ Debit Card	₹50,000
Priority Debit Card	₹1 Lakh

6. YES Bank

Sensitive to its wide customer base, YES Bank has equipped its ATMs with voice guidance and braille keypads for visually impaired customers.

Check the daily cash withdrawal limits of YES Bank debit cards here:

Name of the Card	Cash Withdrawal Limit
RuPay Platinum Domestic Debit Card	₹25,000
YES Prosperity Titanium Debit Card	₹75,000
YES Prosperity Titanium Plus Debit Card and Prosperity Platinum Debit Card	₹1 Lakh

7. IndusInd Bank

IndusInd Bank offers the benefit of free unlimited cash withdrawals from any ATM across India. Here are the daily cash withdrawal limits of IndusInd Bank debit cards:

Name of the Card	Cash Withdrawal Limit
IndusInd Bank Platinum Debit Cards	₹1 Lakh
IndusInd Bank Platinum Select Debit Cards	₹1.5 Lakhs
IndusInd Bank Platinum Executive Debit Cards	₹2 Lakhs

8. Bank of Baroda

With Bank of Baroda’s 9,200+ ATMs, you can withdraw cash using your BOB debit cards whenever needed. For a smooth experience, their ATMs are equipped with a user-friendly graphic screen that provides clear instructions.

Check the daily cash withdrawal limits here:

Name of the Card	Cash Withdrawal Limit
Visa Classic DI Debit Card and RuPay Classic DI Debit Card	₹25,000
Baroda BPCL Debit Card, MasterCard Platinum DI Debit Card and Visa Platinum DI Debit Card	₹50,000
VISA Vyapaar DI Debit Card	₹2 Lakhs

Disclaimer: The above cash withdrawal limits are subject to change at the bank’s discretion.

Conclusion

Knowing a bank's cash withdrawal limit is important before you plan to withdraw cash from an ATM. This can safeguard you from financial distress in case you need immediate access to a large amount of funds. On Bajaj Markets, you can easily open a savings account and enjoy benefits like zero-balance accounts, periodic interest payouts, and more.

Why do financial institutions set a cash withdrawal limit?

Banks set a limit on ATM withdrawals for security and to track cash movement. It also helps ensure that they have sufficient cash to meet the liquidity needs of customers.

Can I withdraw cash through an ATM using a credit card?

Yes, you can withdraw cash through an ATM with certain credit cards. However, note that it also comes with a limit and attracts a fee as per the issuer’s policies.

How can I check the cash withdrawal limit of my bank?

You can check your cash withdrawal limit per day through the bank’s portal or the mobile banking app. You can also contact the bank to get this information.

Are there any charges for ATM withdrawals?

Yes, you need to pay ATM withdrawal charges if you go beyond the fixed cash withdrawal limit from the bank per month. According to the latest RBI guidelines, banks can charge up to ₹21 on every additional withdrawal.