In today’s digital age, Automated Teller Machines (ATMs) have become indispensable for accessing cash conveniently and swiftly.
Although UPI has swiftly taken over the cash payment method but still cash has its own importance. Whenever you have to pay for a big-ticket purchase Cash or Cheque is the best method to do so.
You might not be familiar with this but whenever are withdrawing cash from your account using an ATM Machine, there are some limitations that the bank has set up.
Whether you’re looking to withdraw cash for everyday expenses or planning a major purchase, understanding the ATM withdrawal limits associated with your card is essential.
In this article, we will discuss how much money can you take from ATMs, we will list out the cash limit of ATMs for ICICI Bank, HDFC Bank, SBI Bank, and much more.
How Much Money can you take from the ATM?
Here is the list of banks with their ATM Cash withdrawal Limits-
State Bank of India
State Bank of India is India’s Largest bank with over 40 crores customers across India. The SBI cash withdrawal limit for SBI customers is a daily limit of Rs. 40,000/- (limit on Classic Debit Card. Higher value cards permit daily withdrawal limits of up to Rs. 1 lakh per day).
ICICI Bank
ICICI Bank is a private sector bank that is one of the leading banks in India when it comes to private banking.
ICICI Bank offers customized ATM withdrawal limits for premier customers, However, the standard daily limit of Rs. 50,000, and Rs. 1,00,000 for HNIs is provided to every customer.
ICICI ensures accessibility to funds aligning with various financial needs. This flexibility underscores their commitment to enhancing customer banking experiences.
HDFC Bank
HDFC Bank, a leading name in India’s banking landscape, prioritizes customer convenience through tailored ATM withdrawal limits.
For ATM card holders, daily withdrawals are capped at Rs. 10,000 from HDFC Bank ATMs. However, with debit cards, the limit escalates to Rs. 25,000 or more, dependent on the card type.
Bank of Baroda
Bank of Baroda is a Public Sector Bank providing customers with substantial ATM and POS withdrawal limits.
With a daily cash withdrawal cap of Rs. 1,50,000 from ATMs, customers enjoy convenient access to their funds and daily POS and e-commerce transactions are permitted up to Rs. 5,00,000.
Bank of Maharashtra
Bank of Maharashtra is a public sector bank headquartered in Pune. The bank offers different daily cash withdrawal limits for different users. For Mahabank card holders/ non- Mahabank card holders, the maximum cash withdrawal limit is set at Rs. 10,000 at Mahabank ATMs.
Moreover, Mahabank ATM card holders are entitled to five free cash withdrawal transactions per calendar month on other bank ATMs.
Canara Bank
The following are the ATM Cash Withdrawal Limit using various debt card for Canara Bank-
| Card Type | Txn Type | Daily Limit |
| Classic Debit Card | Cash | 75,000/- |
| POS/ E-Com | 2,00,000/- | |
| NFC(contactless) | 25,000/- | |
| Platinum/ Business/Select Debit Card | Cash | 1,00,000/- |
| POS/ E-Com | 5,00,000/- | |
| NFC(contactless) | 25,000/- |
Central Bank of India
Central Bank of India provides a substantial ATM withdrawal cap of Rs. 1,00,000, customers gain convenient access to funds. Moreover, the bank enables shopping transactions, both at points of sale (POS) and in the e-commerce realm, up to a limit of Rs. 2,00,000.
Indian Bank
The following are the ATM Cash Withdrawal Limit using various debt card for Indian Bank-
| Card Type | Daily Withdrawal Limit (ATM) | Daily POS Limit | Contactless POS Limit |
| IB RUPEE KEY – RuPay On-The-Go Smart Keychain | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| RuPay Platinum Card (Contact) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| RuPay Platinum Card (Contactless) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| Rupay International Platinum card (Contact) | Rs. 1,00,000 | Rs. 2,00,000 | NA |
| RuPay Debit Select Card (Contactless) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| Rupay classic contactless Card (NCMC) | Rs. 25,000 | Rs. 25,000 | Rs. 5,000 |
| IB DIGI – RuPay Classic Card | Rs. 10,000 | Rs. 10,000 | – |
| IB DIGI- Rupay Classic Card (Contactless) | Rs. 10,000 | Rs. 10,000 | Rs. 5,000 |
| Senior Citizen Debit Card (Contact) | Rs. 25,000 | Rs. 50,000 | – |
| PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contact | Rs. 25,000 | Rs. 25,000 | – |
| PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contactless | Rs. 25,000 | Rs. 25,000 | Rs. 5,000 |
| RUPAY KISAN CARD (Contactless) | Rs. 10,000 | Rs. 15,000 | Rs. 5,000 |
| MUDRA Card (Micro Units Development and Refinance Agency) | Rs. 10,000 | Rs. 10,000 | – |
| MasterCard World (Contact) | Rs. 50,000 | Rs. 1,00,000 | – |
| MasterCard World Platinum (Contactless) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
Punjab National Bank
Punjab National Bank (PNB), a prominent name in the banking landscape, optimizes financial access for its customers through thoughtful withdrawal and transaction limits.
While customers can withdraw up to Rs. 25,000 per day from ATMs, specific withdrawal limits of Rs. 20,000 at PNB ATMs and Rs. 10,000 at other bank ATMs ensure prudent transactions.
Additionally, the bank empowers customers with a combined limit of Rs. 60,000 per day for POS and e-commerce transactions.
Union Bank of India
Union Bank of India provides a cardholder with the Rupay or Visa Classic Debit Card, customers enjoy a daily ATM withdrawal limit of Rs. 25,000, ensuring easy access to cash. Moreover, the card’s daily shopping limit for point-of-sale (PoS) transactions stands at Rs. 50,000.
UCO Bank
The following are the ATM Cash Withdrawal Limit using various debt card for UCO Bank-
| TYPE OF CARD | Per Day Cash Withdrawal Limit | Per Day Limit in POS/ e-Commerce Transactions | |
| Platinum Personalised (Rupay) | Rs. 50,000 | Rs. 1,00,000 | |
| Platinum Non-Personalised (Rupay) | Rs. 50,000 | Rs. 50,000 | |
| Classic (RuPay) | Rs. 25,000 | Rs. 50,000 | |
| KCC (RuPay) | Rs. 25,000 | — | |
| Mudra (RuPay) | Rs. 25,000 | Rs. 50,000 | |
| Classic (Visa) | Rs. 25,000 | Rs. 50,000 | |
| Gold (Visa) | Rs. 50,000 | Rs. 50,000 | |
| Platinum (Visa) | Rs. 50,000 | Rs. 1,00,000 | |
| Signature (Visa) | Rs. 50,000 | Rs. 2,00,000 | |
| EMV (Visa) | Rs. 25,000 | Rs. 50,000 | |
| Minors – Cards issued to Minors will have limit of Rs. 3,000/- per day and Rs. 15,000/- per month. | |||
FAQ
No, ATM withdrawal limits vary from bank to bank and even among different types of cards within the same bank.
In some cases, you might be able to adjust your ATM withdrawal limit through your online banking portal or by visiting your bank’s branch.
Yes, ATM withdrawal limits apply to both domestic and international transactions.
While ATM withdrawals within your bank’s network are usually free, using ATMs of other banks or international ATMs might incur fees. It’s essential to be aware of your bank’s fee structure.
Yes, many banks offer higher ATM withdrawal limits for higher-tier cards, which might be associated with premium account types or specific customer profiles.
