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Using other bank ATMs now costs more for SBI customers: Who pays extra, and who is exempt

Upstox
By Upstox News Desk

3 min read | Updated on January 12, 2026, 10:49 IST

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SUMMARY

SBI customers using other bank ATMs may now pay higher withdrawal and enquiry charges. Here’s a clear breakdown of who pays more, who remains exempt, and how to avoid fees.

SBI ATM fee hiked

The changes primarily impact SBI savings, salary, and current account holders. | Image: Shutterstock

With revised ATM transaction charges now in force, the State Bank of India (SBI) debit card holders using other banks’ ATMs may see higher costs per transaction, especially after exhausting their free monthly limit.
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The changes primarily impact savings, salary, and current account holders, while select categories such as Kisan Credit Card (KCC) and Basic Savings Bank Deposit (BSBD) accounts remain unaffected.

Who pays more?

SBI savings account holders now pay ₹23 + GST per cash withdrawal and ₹11 + GST for non-financial transactions at other bank ATMs after five free monthly transactions.

SBI aalary account holders, who earlier enjoyed unlimited free transactions, are now capped at 10 free transactions per month. Charges apply beyond this limit.

SBI current account holders continue to get no free transactions and will pay the revised higher rates for every transaction at non-SBI ATMs.

Service charges at other bank ATM/ADWM (Effective from 1st December 2025)

Account TypeParticularsExisting ChargesRevised Charges
Savings Bank A/csMonthly FREE transactions5 FREE (All Centres)No Change
Cash Withdrawal after FREE limit₹21 + GST₹23 + GST
Non-Financial transaction after FREE limit₹10 + GST₹11 + GST
Salary Package Savings A/csMonthly FREE transactionsUnlimited FREE10 FREE (All Centres)
Cash Withdrawal after FREE limitNIL₹23 + GST
Non-Financial transaction after FREE limitNIL₹11 + GST
Current A/csMonthly FREE transactionsNILNo Change
Cash Withdrawal (each transaction)₹21 + GST₹23 + GST
Non-Financial transaction (each transaction)₹10 + GST₹11 + GST
NoteReimbursement Current Account of Salary PackageFREEFREE

Who is exempt?

  • KCC account holders continue to enjoy unlimited free ATM transactions at other banks.

  • BSBD account holders see no change in existing rules.

  • Cardless cash withdrawals remain free across SBI and other bank ATMs.

How customers can avoid charges

SBI advises customers to rely more on its 63,000+ ATMs and ADWMs across India.

SBI has announced a revision in ATM and Automated Deposit cum Withdrawal Machine (ADWM) transaction service charges, effective December 1, 2025. The revision follows an upward change in the interchange fee structure and marks the second update to ATM charges in 2025, after the last revision on February 1.

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About The Author

Upstox
Upstox News Desk is a team of journalists who passionately cover stock markets, economy, commodities, latest business trends, and personal finance.

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