State Bank of India, the country’s largest government bank, has made changes in ATM transaction charges. These changes have come into effect from December 1, 2025. These changes will have a direct impact on savings and salary account holders who use ATMs of other banks. However, no changes have been made on some accounts and transactions. Regarding these changes, the bank says that after the increase in interchange fees, the ATM service charge was reviewed, due to which this decision has been taken. This is the first time after February 2025 that SBI has increased the ATM charges. In such a situation, let us now tell you how much extra charge you will have to pay after the change in SBI’s ATM transaction charges.

Transactions on non-SBI ATM will now be expensive

Under the new system of SBI, if SBI customers withdraw cash from ATMs of other banks after the fixed free limit, then now they will have to pay Rs 23 plus GST per transaction. Earlier this fee was Rs 21 plus GST. Apart from this, now Rs 11 plus GST will have to be paid on non-financial transactions like balance check or mini statement, which was earlier Rs 10 plus GST. SBI has also clarified that there has been no change in the free transaction limit available at non-SBI ATMs for regular savings account holders. Like before, customers can do 5 free transactions every month from ATMs of other banks, which includes both financial and non-financial. New charges will be applicable only after this limit.

Rules changed for salary account holders also

A major change has been made in the rules for customers having salary package savings account. Earlier, the facility of unlimited free transactions was available on ATMs of other banks, now this limit has been reduced to 10 free transactions per month. After the free limit is over, salary account holders will also have to pay Rs 23 plus GST on cash withdrawal and Rs 11 plus GST on non-financial transactions.

Which accounts will not be affected?

• According to SBI, this increase will not have any impact on some categories of customers.
• There has been no change in the charges of Basic Savings Bank Deposit Account.
• Transactions using SBI Debit Card at SBI’s own ATMs will be completely free.
• Cardless cash withdrawal from SBI ATM will remain unlimited and free as before.
• Apart from this, Kisan Credit Card accounts have also been kept out of this change.

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Atm cash withdrawal charges: In today’s era, very few people keep more cash with them. But still some such works are done. For which you need to keep some cash with you. Many times people suddenly need cash. So people take cash withdrawn using ATM cards.

Some rules have been set to withdraw cash from ATMs. Which are equally applied to all banks. Banks give you the facility to free some ATM transactions. A limit is fixed for this. After crossing that limit, you have to pay the charge. But now that charge has been increased by RBI. Know how much will be paid now.

Charge increased to withdraw cash from ATM

All the banks present in the country give their customers the facility to free some transactions through ATMs. If someone transactions from the bank’s ATM itself. So he can do five in a month. For example, if a SBI account holder comes out of SBI’s ATM. So he can withdraw free money 5 times. On the other hand, if someone withdraws money from the ATM of another bank. That is, if SBI’s customer withdraws money from Axis Bank’s ATM.

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So one month can do this only three times. After this, he will have to pay the charge. If you live in the metro city, you can free 3 free transactions in a month and 5 free transactions in Non-Metro City. Let me tell you that on crossing the free transaction limit, there was a payment of Rs 21 per transaction. But now it has been increased by 2 rupees. That is, now Rs 23 will have to be paid per transaction for this.

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New rules will be applicable from this date

Explain that information about new charges has been given by RBI. However, new charges have not been implemented yet. These new rules will be applicable from 1 May 2025. If you talk, the free transaction limit of your ATM has crossed and you need to withdraw cash, then you can also withdraw cash from ATM through UPI QR. Nowadays you are getting this facility in almost every ATM.

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