Debit Card Rules Updated: In 2025, the Reserve Bank of India (RBI) introduced new ATM rules. These rules started from May 1, 2025. The biggest change is the increase in ATM transaction charges. After the free monthly limit, the charge has gone up from ₹21 to ₹23 per transaction. These changes affect all bank customers in India. Knowing these rules can help you save money and plan your withdrawals better.
Updated ATM Charges from May 2025
From May 2025, every extra ATM transaction after your free limit will cost ₹23. This small increase helps banks maintain ATMs, improve technology, and add more security. The number of free transactions has not changed.
You still get:
- 5 free transactions per month at your own bank’s ATMs
- 3 free transactions at other bank ATMs in metro cities
- 5 free transactions at other bank ATMs in non-metro cities
These free transactions include cash withdrawals, balance checks, and mini-statements.
Bank-Wise ATM Withdrawal Limits
Every bank has its own daily ATM withdrawal limit. The limit also depends on your debit card type.
Here is a quick view of some popular banks:
| Bank & Card Type | Daily Limit |
| SBI Classic/Maestro | ₹40,000 |
| SBI Gold/Silver | ₹50,000 |
| SBI Platinum | ₹1,00,000 |
| HDFC International/Women’s Advantage | ₹25,000 |
| HDFC Platinum | ₹1,00,000 |
| ICICI Coral Plus | ₹25,000 |
| ICICI Sapphiro | ₹2,50,000 |
| Axis RuPay Platinum | ₹40,000 |
| Axis Burgundy | ₹3,00,000 |
SBI also has an extra safety step. For withdrawals above ₹10,000, you need to enter a one-time password (OTP).
ATM Usage in Metro and Non-Metro Cities
The number of free ATM transactions depends on where you live. If you live in a metro city like Delhi, Mumbai, Chennai, Kolkata, Hyderabad, or Bengaluru, you get 3 free transactions at other bank ATMs plus 5 free at your own bank. If you live in a non-metro city, you get 5 free at other bank ATMs plus 5 free at your own bank.
After these free limits, every extra transaction costs ₹23.
How to Increase Your ATM Withdrawal Limit
If you need more cash daily, you can ask your bank to increase your limit. Most banks allow this through mobile apps or internet banking. Look for the “Card Services” or “ATM Withdrawal Limit” option.
You can also visit your branch, call customer care, or send a written request. Banks may check your account history, average balance, and income before approving.
Smart Ways to Avoid Extra ATM Charges
Plan your withdrawals. Withdraw a bigger amount once instead of many small amounts. Use UPI, debit cards, or mobile wallets for payments when possible. These are free and safer.
Check your SMS alerts after each withdrawal. This helps you track your usage and avoid crossing your free limit.
Security and New Technology in 2025
Banks are adding better security. SBI already uses OTP for large withdrawals. Other banks are also adding similar safety features.
Cash deposits have become easier with Cash Recycler Machines. Deposits are free, but if you deposit or withdraw more than ₹20 lakh in a year, you must give your PAN and Aadhaar.
UPI-ATM is now available. It allows cardless cash withdrawals up to ₹10,000 per transaction.
ATM Limits in Public and Private Banks
Public banks like Punjab National Bank allow ₹25,000 to ₹1,00,000 per day. Bank of Baroda allows ₹25,000 to ₹75,000. Canara Bank allows up to ₹1,00,000.
Private banks like Kotak Mahindra offer up to ₹2,00,000, IndusInd Bank up to ₹1,00,000, and Yes Bank from ₹25,000 to ₹1,50,000 per day.
Who Will Be Most Affected?
People who use ATMs often will notice a small increase in cost. For example, if you go 10 times over your free limit, you will pay ₹230 instead of ₹210. Small business owners and cash users will feel this more.
If you mostly use digital payments, this will not affect you much.
Final Tips for Managing ATM Usage in 2025
Plan your withdrawals and avoid extra trips to the ATM. Use your own bank’s ATM as much as possible. Do not use an ATM just to check your balance. Consider premium debit cards if you withdraw large amounts often.
Always check your monthly usage and use mobile or online banking to stay updated. The ₹23 charge is easy to manage if you plan ahead.
Banks are adding more digital features like cardless cash, biometric security, and AI protection. Stay informed about your bank’s policies.
These rules aim to make banking safer and promote digital payments in India.