Know the Limits: How Much Cash Can You Withdraw from a Post Office ATM in a Day?

You can withdraw a maximum of ₹25,000 per day from a Post Office savings account using an ATM. There are 5 free transactions allowed; exceeding this limit will result in charges for withdrawals and other services.

If you have a savings account with the Post Office and use an ATM card, it is useful to be aware of certain rules. The Post Office provides its customers with the facility to withdraw money from their savings accounts via ATMs.

When using this facility, it is important to keep in mind the daily withdrawal limit, minimum balance requirements, and charges for additional transactions. Being informed about these rules will help you manage your transactions without any hassle.

How Many Free Transactions Are Allowed at Post Office ATMs?

The Post Office offers its customers 5 free financial and non-financial transactions per month at its own ATMs. The number of free transactions varies when using ATMs belonging to other banks.

In six metropolitan cities, 3 free transactions per month are allowed at ATMs of other banks, while in non-metro cities, this limit is 5 transactions. These include services such as cash withdrawals and balance inquiries.

Maximum Daily Withdrawal Limit of ₹25,000

Post Office Savings Account (POSA) holders can withdraw a maximum of ₹25,000 per day via an ATM. However, the maximum withdrawal limit per single transaction is set at ₹10,000. This means that if a customer wishes to withdraw the full ₹25,000, they will need to perform more than one transaction.

Additionally, customers are required to maintain a minimum balance of ₹500 in their accounts. This minimum amount must remain in the account even after a cash withdrawal. If the withdrawal amount exceeds the set limit, or if there is an insufficient balance in the account, the transaction may be declined.

Charges to apply if account balance falls below Rs 500

Interest on the balance in a Post Office savings account is calculated based on the lowest balance maintained between the 10th of each month and the last day of that month. This interest is credited to the account on an annual basis.

Furthermore, if the account balance is less than Rs 500 on the last day of the year, an account maintenance charge of Rs 50 may be levied. In light of this, customers are advised to maintain the minimum required balance in their accounts and to check their transaction limits before withdrawing cash from an ATM.

What are the charges once the free transaction limit is exceeded?

Customers are required to pay additional charges if they exceed the stipulated free transaction limit. According to the fee structure effective from November 1, 2025, an additional charge of Rs 23 will apply to financial transactions and Rs 11 to non-financial transactions conducted at ATMs of other banks. GST will be applicable in addition to these amounts.

Similarly, for transactions at Post Office ATMs, exceeding the free limit will incur a charge of Rs 10 for financial transactions and Rs 5 for non-financial transactions. GST will also be charged additionally on these amounts.