SBI ATM Withdrawal Limit For Different Types Of SBI Debit Cards

State Bank of India (SBI) offers different ATM cash withdrawal limits based on the type of debit card linked to the customer’s account. The SBI ATM withdrawal limit per day currently ranges from ₹15,000 to ₹2,00,000 across Classic, Global, Platinum, premium and business debit card variants. 

SBI also applies separate limits for POS transactions, online shopping and contactless payments.

SBI ATM Withdrawal Limit per Day

SBI OTP Rule for ATM Withdrawals Above ₹10,000

SBI has introduced OTP-based cash withdrawal verification for higher-value ATM transactions to improve customer security.

For cash withdrawals of ₹10,000 or more at SBI ATMs, customers must enter:

• ATM PIN
• OTP received on the registered mobile number

The OTP is valid for a single transaction and adds an additional layer of protection against unauthorised withdrawals.

SBI ATM Withdrawal Limit Without OTP

SBI customers can withdraw up to ₹10,000 from SBI ATMs using only the debit card and ATM PIN without OTP authentication. For withdrawals above ₹10,000, OTP verification on the registered mobile number becomes mandatory at SBI ATMs.

SBI ATM Withdrawal Charges and Free Transaction Limits

State Bank of India provides different fee-free ATM transaction limits based on the type of account and the ATM network used for the transaction.

Note: Monthly free transaction limits include both financial transactions (cash withdrawals) and non-financial transactions such as balance enquiry and mini statement requests.

SBI ATM Charges Beyond Free Transaction Limits

Once the free monthly ATM transaction limit is exhausted, SBI applies additional charges for financial and non-financial transactions.

Note: Failed ATM transactions caused by network issues, technical errors or ATM hardware problems generally do not attract penalty charges. Charges are usually applied only for transaction declines due to insufficient account balance.

SBI ATM Withdrawal Limit per Day for Rupay Card

SBI RuPay debit cards allow a minimum ATM cash withdrawal of ₹100 per transaction. The standard SBI RuPay Debit Card generally offers a maximum daily ATM withdrawal limit of ₹40,000. 

Premium RuPay variants, such as RuPay Platinum cards, may provide higher POS and online transaction limits while maintaining similar ATM withdrawal limits.

SBI ATM Withdrawal Limit per Day for Visa Card

The daily ATM withdrawal limit for SBI Visa debit cards depends on the specific card variant linked to the account.

• Standard SBI Visa Debit Cards generally allow daily cash withdrawals up to ₹40,000.
• Premium International Visa Debit Cards offer higher withdrawal limits, with certain variants allowing cash withdrawals up to ₹1,00,000 per day.

How to Increase or Change SBI ATM Withdrawal Limit Online?

SBI customers can increase or modify ATM withdrawal, POS and online transaction limits through the YONO SBI app or Internet Banking.

I. Through YONO SBI App

Step 1: Log in to the YONO SBI app using MPIN or Internet Banking credentials.

Step 2: Open the ‘Service Request’ section.

Step 3: Select ‘ATM/Debit Card Services’.

Step 4: Click on ‘Manage Card’.

Step 5: Select ‘Manage Channels/Limits’.

Step 6: Enter the new transaction limit and complete authentication using profile password or OTP verification.

II. Through SBI Internet Banking

Step 1: Log in to the SBI Internet Banking portal using the User ID, password and captcha verification.

Step 2: Click on the ‘e-Services’ option available on the dashboard.

Step 3: Select ‘ATM Card Services’ from the available menu options.

Step 4: Click on ‘ATM Card Limit/Channel/Usage Change’.

Step 5: Select the relevant account number and debit card number.

Step 6: Choose the ‘Change Daily Limit’ option.

Step 7: Select the transaction channel such as ATM, POS or online usage, enter the new limit and click on ‘Submit’.

Step 8: Complete OTP verification using the high-security password sent to the registered mobile number. After successful verification, the updated limit confirmation message will appear on the screen.

III. Through SBI ATM

Step 1: Insert the SBI debit card into any SBI ATM machine.

Step 2: Enter the two-digit number displayed on the ATM screen and press ‘Yes’.

Step 3: Enter the existing 4-digit ATM PIN for verification.

Step 4: Select the preferred language and choose the ‘Banking’ option.

Step 5: Click on ‘Services’ and select ‘Update Channel/Usage/Limit’.

Step 6: Select ‘Limit Update’ and choose the required channel such as ATM, POS or e-Commerce.

Step 7: Enter the new transaction limit using the ATM keypad.

Step 8: Click on ‘Submit’ and wait for the confirmation message or receipt showing successful limit updation.

IV. Through SBI Branch Visit

Step 1: Visit the nearest SBI branch during banking hours.

Step 2: Request the debit card limit or channel usage change form from the customer service desk.

Step 3: Fill in the required details, including bank account number, debit card number and the new limits required for ATM, POS or online transactions.

Step 4: Sign the application form using the signature registered with the bank.

Step 5: Submit the completed form along with a valid identity proof such as Aadhaar Card or PAN Card for verification.

Step 6: After verification, the bank will process the request and update the transaction limits. The revised limits are generally activated within 24 working hours, and a confirmation SMS is sent to the registered mobile number.

V. Through SBI Customer Care IVRS

Step 1: Call the SBI toll-free customer care numbers at 1800 1234 or 1800 2100.

Step 2: Select the preferred language from the IVRS menu.

Step 3: Press ‘2’ for ‘ATM Card and Cheque Book Services’.

Step 4: Press ‘6’ for ‘ATM Card Limit and Usage Services’.

Step 5: Press ‘2’ to select the ‘Set/Modify Limit’ option.

Step 6: Enter the last 5 digits of the bank account number and press ‘1’ to confirm.

Step 7: Enter the last 5 digits of the debit card number and press ‘1’ for verification.

Step 8: Enter the account holder’s year of birth in YYYY format for authentication.

Step 9: Press ‘0’ to modify ATM cash withdrawal limits or select the relevant option for POS and online transaction limits.

Step 10: Enter the new transaction limit using the mobile keypad. After successful verification, SBI sends a confirmation message to the registered mobile number.

What is YONO Cash Cardless Withdrawal?

YONO Cash is SBI’s cardless cash withdrawal facility available through the YONO SBI mobile app. It allows customers to withdraw cash from SBI ATMs without using a physical debit card or withdrawal slip.

To use the service, customers must generate a cash withdrawal request through the YONO SBI app and create a 6-digit YONO Cash PIN. SBI then sends a unique 6-digit reference number to the registered mobile number through SMS.

To complete the withdrawal, the customer must visit an SBI ATM within the specified validity period and enter:

• The reference number received through SMS
• The withdrawal amount
• The self-created YONO Cash PIN

The YONO Cash withdrawal limit is ₹20,000 per day, with a maximum of 2 transactions allowed daily.

SBI YONO Cash Withdrawal Limit

YONO Cash is SBI’s cardless cash withdrawal facility available through the YONO SBI app.