Many rules change on the first date of every month, and this time it has become expensive to withdraw money from ATMs since 1 May 2025. Reserve Bank of India (RBI) Done ATM Transaction Charge Has approved the increase in, so that after the free limit, every time the cash will have to be paid more. This change will apply to customers of all banks across the country, which will affect the pockets of those who use ATMs several times a month.
The main reason behind this decision is to cover the cost of operation, maintenance and security of ATMs, so that customers continue to get better and safe services. Till now, after the end of the free transaction limit, every additional transaction was charged Rs 21. But 1 May 2025 From this Increased Rs 23 per transaction It is done.
However, there has been no change in the number of free transactions. Customers can still do free transactions 5 times every month from their bank ATMs and 3 times in metro cities from ATMs of other banks and 5 times in non-Metro. After this, every time cash is withdrawn or checking balance, you will have to pay increased charge.
ATM transaction -Deadne charges new updated fee
Change in ATM Transaction Charge
According to the new RBI rule, withdrawing money from ATM since 1 May 2025 has become expensive. Now every additional transaction will be charged up to Rs 23. This change is applicable to customers of all banks, whether you use ATM card of any bank. The main objective of this decision is to maintain the ATM network, increase security and cover operational expenses.
ATM charge
| Points | Details |
|---|---|
| Applied date | From 1 May 2025 |
| Free transaction (ATM of your bank) | 5 times/month |
| Free transaction (ATM of other bank) | Metro: 3 times, Non-Metro: 5 times/month |
| Charge after free limit | ₹ 23 per transaction |
| Balance check charge (second bank ATM) | ₹ 9 per transaction |
| Cash withdrawal charge (second bank) | ₹ 19 per transaction |
| To whom | All bank customers |
| Reason for change | Operational cost, security, network maintenance |
Why did the ATM transaction charge change?
- Increasing costs in operation, maintenance and security of ATM networks.
- Despite increasing digital transactions, cash remains in demand.
- To cover the cost of small banks and white level ATM operators.
- To provide better and safe services to customers.
- This change has come into force on the proposal of RBI and NPCI.
On whom will the new ATM charge apply?
- Customers of all government, private and rural banks.
- All ATM card holders in metro and non-metro cities.
- Customers using white level ATMs (which do not belong to any bank).
- After the free limit on every cash withdrawal and balance check.
What is free transaction limit?
- 5 free transactions every month from your bank’s ATM
- 3 free transactions in metro cities from second bank ATM, 5 free transactions in non-metro
- Every time after the free limit, ₹ 23 charge (Cash withdrawal), ₹ 9 (balance check) and ₹ 19 (withdrawing cash from another bank).
Who has more impact than increasing ATM charge?
- People who withdraw cash several times a month.
- Living in small towns and rural areas, where digital payment has low access.
- Whose bank network is limited and depends on the ATMs of other banks.
- Customers who withdraw cash in small amounts repeatedly.
How to avoid additional ATM charge?
- Transactions within the free limit in the month.
- Withdraw more cash according to the requirement at a time, do not go again and again.
- Use more digital payment (UPI, mobile wallet, net banking).
- Use mobile app or net banking for balance check.
- Transaction history and mini statement also look at the digital platform.
The main questions and answers related to change
- Has the charge increased for all banks?
Yes, applicable to all banks. - Did the free transaction limit change?
No, the free transaction limit is the same. - Will the balance check also be charged?
Yes, after the free limit, there will be a charge of ₹ 9 for checking the balance from another bank’s ATM. - Will the small amount be charged on the small amount?
Yes, whether you withdraw 100 rupees or 10,000, after the free limit, you will have to pay the full charge every time. - Is there any charge on digital transactions?
No, there is usually no charge on UPI, net banking etc.
Impact of increasing ATM charge
- The direct impact on the pockets of the customers, especially on those who withdraw cash.
- Banks will help in maintaining ATM network.
- Digital payment will be promoted.
- Relief to small banks and white level ATM operators.
- Customers will have to do transaction planning, so that additional charge can be avoided.
When and how will the new charge apply?
- Implemented across the country from 1 May 2025.
- Applicable to ATM card holders of all government, private and rural banks.
- Every time after the free limit, there will be a new charge on withdrawing cash or checking balance.
- Banks are giving information to their customers through SMS, email or notifications.
Understand in easy language
- It is free to withdraw cash from your bank’s ATM 5 times every month or check balance.
- Metro cities have 3 times free from other bank ATMs, 5 times in non-Metro.
- After this, every time ₹ 23 (on withdrawal of cash), ₹ 9 (on balance check), ₹ 19 (on withdrawing cash from another bank) will be charged.
- If you use digital payment more, you can avoid charge.
ATM Transaction Charges: Essential Tips
- Keep count of free transactions.
- Withdraw cash according to the requirement at once.
- Increase the use of digital payment.
- Read the notification of the bank and be updated.
- If needed, ask the bank details of charge.
conclusion:
Withdrawing money from ATMs since 1 May 2025 has become expensive after the free limit. Now every time a charge will have to be paid up to ₹ 23. There is no change in the free transaction limit, but repeated cash withdrawn will have to do their transaction planning. You can avoid these charges by increasing the use of digital payment. This change has been made to cover the cost of banks and provide better services.
Disclaimer: This news is completely true and the ATM transaction charge has been increased since 1 May 2025 as per the new rules issued by RBI. After the free limit, you will have to pay more charge every time you withdraw cash or check balance. The information given in the news is based on the notifications of RBI and major banks. Therefore, you must also get information from your bank’s official website or customer care.
