Introduction – SBI ATMs: Convenience at Your Fingertips
As a State Bank of India (SBI) customer, one of the biggest advantages you enjoy is access to India’s largest ATM network. With over 64,000 ATMs and ADWMs (Automated Deposit & Withdrawal Machines) across the country, SBI ensures that cash and banking services are always within your reach — anytime, anywhere.
These ATMs and ADWMs are not just for withdrawing money; they also let you deposit cash, check balances, request cheque books, apply for SBI credit cards, and much more — all without visiting a bank branch.
In this guide, let’s understand everything about SBI ATM services, including features, card types, cash withdrawal options, YONO and UPI-based transactions, value-added services, and safety tips in the simplest way possible.
What Makes SBI ATM Network Special
SBI operates over 64,000 ATMs and ADWMs, making it the largest ATM network in India. Around 12,000 of these are ADWMs, also known as Cash Recyclers, that allow you to both deposit and withdraw money 24×7.
You can find the nearest SBI ATM using the SBI ATM Locator available on the bank’s website or YONO app.
The network also supports mobile ATMs, which move around specific routes to serve people during special events, fairs, or in remote areas.
SBI ATMs are connected to major payment networks such as National Financial Switch (NFS-Rupay), Visa, and Mastercard, enabling both domestic and international transactions.
Cards Accepted at SBI ATMs/ADWMs
SBI ATMs and ADWMs accept a wide range of cards:
- SBI Debit Cards
- SBI Credit Cards
- RuPay, Maestro, MasterCard, Cirrus, Visa/Visa Electron
- Discover/Diners Club International, JCB
- Domestic bank cards displaying the UPI logo
- International bank cards with global payment logos
This means whether your card is from SBI or another bank — Indian or international — you can easily transact at any SBI ATM.
Dynamic Currency Conversion (DCC) for International Cards
If you are a foreign visitor or hold an international Visa or Mastercard, SBI offers a Dynamic Currency Conversion (DCC) facility.
This allows you to withdraw cash in Indian Rupees while seeing the amount in your home currency (available in 21 currencies). It’s a helpful feature for travelers.
SBI Debit Cards – Your Key to Easy Banking
SBI offers various debit cards designed to suit your lifestyle and transaction needs. You can use your SBI Debit Card at any SBI ATM/ADWM, or at other bank ATMs across India and abroad.
Apart from cash transactions, you can also use your debit card to pay at shops, petrol pumps, restaurants, malls, hotels, and for online shopping.
Free Transactions at ATMs
As per Reserve Bank of India (RBI) guidelines, SBI allows a specific number of free ATM transactions per month:
- At SBI ATMs: Several free transactions depending on your account type.
- At Other Bank ATMs:
- 3 free transactions (financial + non-financial) in metro cities (Mumbai, Delhi, Chennai, Kolkata, Hyderabad, Bengaluru)
- 5 free transactions (financial + non-financial) in non-metro areas
After these free transactions, normal charges apply. Check the schedule of service charges on the SBI website for exact details.
Available Services at SBI ATMs & ADWMs
SBI ATMs and ADWMs offer a wide range of services — not just withdrawals and deposits but also many value-added options.
Let’s explore these one by one.
1. Debit Card Based Cash Withdrawal
This is the most common service — withdraw money using your SBI Debit Card.
The withdrawal limit depends on your card type.
- Other bank cardholders can withdraw up to ₹10,000 per transaction at SBI ATMs.
- SBI Debit Cardholders can withdraw similar amounts from other bank ATMs too.
2. YONO Cash (Cardless Cash Withdrawal)
With YONO Cash, you can withdraw money without your physical card using the SBI YONO or YONO Lite App.
Here’s how it works:
- Log in to YONO App and choose YONO Cash.
- Enter the withdrawal amount and generate a Reference Number.
- Visit any SBI ATM/ADWM and select YONO Cash.
- Enter the Reference Number and your 6-digit YONO PIN to withdraw cash.
Limits:
- Minimum ₹500, maximum ₹20,000 per day (in multiples of ₹500)
- This limit is in addition to your normal ATM card limit
This is a safe, cardless, and contactless way to withdraw cash.
3. QR Code-Based Cardless Cash Withdrawal
Using the YONO Lite App, SBI customers can withdraw cash by scanning a QR code on the ATM screen.
You can choose either ₹2,000 or ₹4,000 for withdrawal, up to ₹4,000 per day.
It’s quick, secure, and works without any card or PIN entry.
4. UPI QR Cash (Cardless Cash Withdrawal)
SBI also supports the Interoperable Cardless Cash Withdrawal (ICCW) or UPI ATM system.
You can use any UPI app to withdraw cash from SBI ATMs that display the ‘UPI QR Cash’ option.
Limits:
- Maximum ₹10,000 per day
- Up to 2 transactions per day
- Amounts can be withdrawn in multiples of ₹100
This feature works even for customers of other banks that support the ICCW system.
5. Cash Deposit (Card-Based or Cardless)
At SBI ADWMs (Cash Recyclers), you can deposit cash 24×7:
- Card-Based Deposit: Use your SBI Debit Card linked to your account.
- Cardless Deposit: Choose the “Cardless” option and deposit into Savings, Current, PPF, Loan, or RD accounts.
It’s fast, safe, and updates your balance instantly.
6. Fast Cash
A one-touch option for instant withdrawals — choose from preset amounts like ₹100, ₹200, ₹500, ₹1000, ₹2000, ₹3000, ₹5000, or ₹10,000.
7. Green PIN & PIN Change
- Green PIN lets you generate a new ATM PIN directly at the machine.
- PIN Change helps you update your existing PIN regularly for safety.
8. Balance Inquiry & Mini Statement
Check your account balance or print a Mini Statement of your last 10 transactions anytime.
You can also view the balance on the screen to save paper.
9. SBI Credit Card Services
You can:
- Pay Visa Credit Card bills
- Apply for a new SBI Credit Card by entering your mobile number — the SBI Card team will contact you soon.
10. Cheque Book Request
Order a new cheque book directly through the ATM. Make sure your address is updated in the bank records, as it will be sent there.
11. Donations to Trusts and Temples
SBI makes it easy to contribute to charitable trusts and religious institutions directly from ATMs.
You can donate to:
- PM & CM Relief Funds (J&K, Bihar, Odisha)
- Clean Ganga Fund
- Sai Baba Temple, Shirdi
- Kashi Vishwanath, Banaras
- Vaishno Devi, Amritsar, Tirupati, Jagannath Puri
- Somnath, Mahakaleshwar, Hanuman Mandir, and many others
This makes spiritual giving simple and transparent.
12. Mobile Number Update
You can update your registered mobile number through SBI ATMs — a useful feature if you’ve changed your phone.
13. Stop Cheque Payment
Lost a cheque or made a mistake?
Use the Stop Cheque option at an ATM to cancel its payment instantly.
14. Debit Card Limit Update
You can increase or decrease your daily transaction limits for:
- ATM withdrawals
- POS (swipe) payments
- Online shopping (eCommerce)
- NFC “Tap & Go” transactions
This can be managed right from the ATM.
15. Channel Usage Settings
Through SBI ATMs, you can enable or disable any usage channel:
- Domestic or International
- ATM, POS, eCommerce, NFC
This feature helps you secure your card from misuse.
16. KYC Confirmation
If your KYC is already updated, you can confirm it at the ATM without visiting the branch.
Saves time and ensures compliance with RBI norms.
17. Account Transfer to Another Branch
Want to shift your account to another SBI branch?
You can request this at an ATM if:
- You have only one Savings Account under your CIF
- Account is older than 180 days
- Last transfer was over 30 days ago
- KYC score ≥ 110
This is very convenient for students or professionals relocating to a new city.
18. Update Income/Turnover Details
SBI allows customers to update income or turnover details through ATMs as per regulatory requirements.
- For individuals: update income details.
- For sole proprietors: update turnover details.
ATM Security Features
SBI ATMs and ADWMs are EMV compliant, meaning they use a secure chip technology to protect your card from fraud.
Additionally:
- For transactions above ₹10,000, SBI sends a 4-digit OTP to your registered mobile number for extra safety.
- Machines support English, Hindi, and 11 regional languages.
- “Talking ATMs” provide voice guidance for visually impaired customers.
ATM Safety Tips – Stay Secure!
Here are SBI’s Golden Rules for safe ATM use:
Do’s:
- Sign your card immediately upon receipt.
- Change your PIN regularly.
- Keep your PIN secret — never write it down.
- Always cover the keypad while entering your PIN.
- Wait for the ATM to return to the welcome screen before leaving.
- Keep your mobile registered for SMS alerts.
- Report lost or stolen cards immediately.
- Check SMS alerts and bank statements regularly.
- If cash is not dispensed but debited, report it to SBI right away.
Don’ts:
- Don’t share your PIN, OTP, or card details with anyone — not even bank staff.
- Don’t let strangers help you at ATMs.
- Don’t hand over your card to anyone.
- Don’t leave your transaction slip inside the ATM.
- Don’t talk on your phone while transacting.
- Don’t wear a helmet or cover your face inside the ATM booth.
- Don’t forget to take your card after the transaction.
Customer Support – 24×7 Help
For any query or complaint, SBI’s Customer Care Centre is available 24×7.
Toll-Free Numbers:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990
For unauthorized ATM transactions, call immediately:
- 1800 11 1109 (Toll Free)
- 94491 12211 (Mobile Toll Free)
- 080-2659 9990 (Toll Free)
Conclusion – SBI ATMs: Simple, Smart, and Secure
SBI’s ATM and ADWM network is not just about cash withdrawal — it’s about bringing banking to your fingertips. Whether it’s depositing money, changing PINs, applying for a credit card, or donating to a temple, SBI’s machines are designed to make your life easier.
With cardless withdrawals, UPI integration, 24×7 availability, and multi-language support, SBI continues to lead India’s digital banking evolution.
So next time you visit an SBI ATM, remember — it’s not just a cash machine. It’s your mini branch, available 24 hours a day, 7 days a week.