SBI Raises ATM Fees: Check The Updated Charges For Withdrawals

The State Bank of India (SBI) has updated its ATM and ADWM transaction fees, impacting customers who use ATMs of other banks beyond the free limit. Effective from December 1, 2025, this is the first fee revision since February of the same year. Regular savings account holders retain their free transaction allowance, but the increase reflects higher interchange costs. Here’s everything SBI customers need to understand about the new charges and how it affects withdrawals.

Revised Charges for Non-SBI ATMs

Cash withdrawals from ATMs of other banks will now cost Rs 23 plus GST per transaction, up from Rs 21 plus GST earlier. Non-financial transactions, such as balance inquiries or mini statements, have been revised to Rs 11 plus GST, compared with Rs 10 plus GST previously. These changes follow an evaluation of ATM pricing after rising interbank interchange fees.

Free Transaction Limits for Regular Accounts

Regular SBI savings account holders continue to enjoy five free transactions per month at non-SBI ATMs. Both cash withdrawals and non-financial transactions are counted in this limit. Once exceeded, the revised charges apply. This ensures minimal disruption for everyday users while covering the bank’s rising costs.

Salary Account Holders’ New Free Transaction Rules

Previously unlimited, salary account holders can now make 10 free transactions per month at non-SBI ATMs. After reaching this limit, cash withdrawals will attract Rs 23 plus GST, and non-financial transactions will cost Rs 11 plus GST each. Customers who frequently use other banks’ ATMs should monitor monthly withdrawals to avoid additional charges.

Accounts Exempt from the Fee Revision

Several SBI account types remain unaffected by the changes

• Basic Savings Bank Deposit (BSBD) accounts retain the existing fee structure.
  
  
• SBI debit card transactions at SBI ATMs remain free, including cardless cash withdrawals.
  
  
• Kisan Credit Card (KCC) accounts are also exempt from these revised charges.
  
  

These exemptions ensure that farmers and small account holders are not impacted.

Reason Behind the Fee Hike

The revision stems from rising interchange fees—charges paid between banks when customers use ATMs of other banks. The increased fee allows SBI to cover operational costs while maintaining free transactions for primary account holders.

Tips to Avoid Extra Charges

Customers can reduce additional costs by

• Using SBI ATMs whenever possible.
  
  
• Staying within monthly free transaction limits.
  
  
• Planning cash withdrawals to avoid frequent use of non-SBI ATMs.

These steps can prevent unnecessary charges and help manage monthly banking costs.

Impact on Customers

The fee revision affects customers who frequently use non-SBI ATMs. For most account holders who stay within free limits, no extra costs are incurred. However, those exceeding the limit will see a modest rise in monthly ATM expenses. Understanding which transactions are affected is key to avoiding surprises.

SBI Guidance for Customers

SBI advises all customers to review the revised fee structure carefully. Knowledge of exempt accounts and transaction types allows users to manage costs efficiently. The bank continues to offer unlimited free transactions at its own ATMs, ensuring convenience for core customers.