SBI ATM charges revised 2025

SBI Revises ATM & ADWM Service Charges From 1 December 2025 

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From 1 December 2025, the State Bank of India (SBI) has introduced revised service charges on ATM and ADWM (Cash Deposit Machine) transactions. These changes follow the increase in interchange fees and rising operational costs across the banking industry.

This guide explains the new SBI ATM charges in simple English so that customers can understand how it affects their account and how to avoid extra fees.

Why Has SBI Revised ATM Charges?

SBI has updated its ATM and ADWM charges to:

  • Align with the latest market standards
  • Balance the increased cost of operating ATMs nationwide
  • Match the new interchange fee structure set by the industry

These revised charges apply to financial transactions (cash withdrawals) and non-financial transactions (balance enquiry, mini statement, PIN change, etc.)—but only when SBI customers use ATMs of other banks.

There is NO change for customers using SBI’s own ATMs for most account types.

1. SBI Customers Using SBI ATMs (On-Us Transactions)

➤ No Change in Charges

If you are using SBI ATMs, the existing fee structure continues exactly as before for all SBI debit cardholders.

This is great news for customers who depend mostly on SBI ATMs for their withdrawals and enquiries.

2. SBI Customers Using Other Bank ATMs (Off-Us Transactions)

This is where most updates have been made. Below is the complete breakdown.

Savings Bank Accounts (All Variants Except BSBD, KCC & Salary Package)

Free Transactions

  • 5 FREE transactions per month (Financial + Non-Financial combined)
    No change.

Revised Charges After Free Limit

Type of TransactionOld ChargeNew Charge (w.e.f. 1 Dec 2025)
Cash Withdrawal₹21 + GST₹23 + GST
Non-Financial Transactions (Balance enquiry, mini statement etc.)₹10 + GST₹11 + GST

This applies when you use another bank’s ATM after exceeding the 5 free transactions.

Salary Package Account Holders (All Variants)

This is the biggest change.

Free Transactions

TypeEarlierNew From 1 Dec 2025
Monthly Free TransactionsUnlimited10 Free

After 10 free transactions, the following charges apply:

Revised Charges After Free Limit

Type of TransactionOld ChargesNew Charges
Cash Withdrawal₹23 + GSTFREE
Non-FinancialFREE₹11 + GST

Good News — SBI Staff & SBI Pensioners

  • Unlimited FREE transactions
  • No change at all

Current Accounts (Personal & Business)

Free Transactions

  • No free transactions (same as before)

Revised Charges

Type of TransactionOld ChargesNew Charges
Cash Withdrawal₹21 + GST₹23 + GST
Non-Financial₹10 + GST₹11 + GST

Note: Reimbursement Current Accounts under Salary Package remain FREE.

BSBD (Basic Savings Bank Deposit) Account Holders

➤ No Change

BSBD accounts continue with the same rules:

  • 4 free cash withdrawals per month (ATM or branch)
  • After that: ₹15 + GST per withdrawal

Kisan Credit Card (KCC) Accounts

➤ No Change

KCC customers continue to enjoy:

  • Unlimited FREE ATM transactions at other bank ATMs.

3. Cardless Cash Withdrawals at SBI & Other ATMs

YONO Cash & QR Cash

  • Unlimited FREE transactions
  • No changes.

UPI ATM (ICCW – Interoperable Cardless Cash Withdrawal)

  • Unlimited FREE transactions at all ATMs
  • Continues until further notice.

How to Avoid Extra ATM Charges? (Useful Tips)

Here are simple ways to save money:

Use SBI ATMs whenever possible

Most changes apply only when using other bank’s ATMs.

Use YONO Cash or UPI ATM withdrawals

They are completely free, unlimited.

Track your free limits

Savings accounts get 5 free transactions per month at other bank ATMs.

Prefer digital channels

Balance enquiry, mini statement, fund transfers, and bill payments are all free on:

  • YONO App
  • Internet Banking
  • UPI apps

Withdraw larger amounts less frequently

Fewer withdrawals = fewer charges.

Final Words

The revised ATM charges by SBI are designed to match current industry practices and operational costs. For most customers who use SBI ATMs or digital banking channels, there is no financial impact.

To avoid new charges:

  • Use SBI ATMs
  • Use YONO Cash or UPI ATM
  • Monitor your monthly free transaction limits

Staying informed helps you save more and bank smarter.

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