HDFC Bank has made a big decision, this much charge will be levied on withdrawing money from ATM through UPI..

HDFC Bank UPI ATM Withdrawal Rules: HDFC Bank has decided that withdrawing cash from an ATM using UPI will now be included in your monthly free ATM transaction limit. This rule will come into effect from April 1, 2026. This means that if your free limit is exhausted, UPI-based cash withdrawals will be subject to the same additional charges as ATM transactions. Let's find out how much you'll have to pay and every important detail...

How much will the charge be?

From April 1, cash withdrawals using UPI at HDFC Bank ATMs will be treated like ATM withdrawals. This means they will count towards your free ATM limit. Once the free limit is exhausted, a charge of ₹23 plus tax will be levied on each transaction.

A certain number of transactions are free on savings and salary accounts
HDFC Bank offers a certain number of free ATM transactions per month to savings and salary account customers. This includes five free transactions at HDFC Bank ATMs, while other bank ATMs offer three free transactions in metro cities and five in non-metro cities. Bank charges apply after exceeding these limits.

Which HDFC Bank ATM cards have free withdrawal limits?

Select HDFC Bank current account customers enjoy unlimited free transactions at the bank's ATMs. These include accounts like Biz Lite+, Biz Pro+, Biz Ultra+, Biz Elite+, Flexi, Plus, Activ, Ascent, Max Advantage, Max, Professional, Ecomm, Apex, Ultima, Flexi, Merchant Advantage Plus Current Account, Merchant Advantage Current Account, Supreme Current Account, Startup Current Account (formerly Smartup Alpha Current Account), Smartup Max, Smartup Growth, and Giga Current Account. All these account holders do not face any limit on the number of cash transactions at HDFC Bank ATM, that is, they can make transactions as many times as they want for free.

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