SBI ATM Withdrawal Limit Per Day

1. Daily Withdrawal Limits:
   1. SBI sets specific daily withdrawal limits based on the type of debit card you use. For most SBI debit cards, the daily withdrawal limit is Rs.40,000. However, certain international debit cards offer higher limits, with some reaching up to Rs.1,00,000.
   2. Different card types, such as Mastercard and Visa, come with varying withdrawal caps. For instance, basic cards may have lower daily limits, while premium or international cards offer higher withdrawal amounts. These limits apply to both domestic and international transactions, with some variations based on location and card type.

1. Monthly Withdrawal Limits:
   1. SBI does not impose a specific monthly withdrawal limit for ATM transactions. However, it is important to adhere to the daily limits to ensure seamless transactions.
   2. For withdrawals made from non-SBI ATMs, customers are allowed five free transactions per month. After these five transactions, a charge of Rs.20 + GST will apply to each subsequent transaction. This limit applies to both cash and non-cash transactions.
   3. While SBI does not specify a monthly limit for withdrawals from its own ATMs, exceeding free non-SBI ATM transactions will incur additional charges.

The table below provides a clear overview of the minimum and maximum ATM withdrawal limits for different SBI debit cards:

SBI ATM Withdrawal Limits Based on Card Type

SBI has established specific withdrawal limits for its debit cards, which vary according to the card type. Understanding these limits can help users manage their finances more effectively and ensure they have access to the cash they need.

1. SBI Visa Debit Cards:
   1. For SBI Visa Debit Cards, the daily withdrawal limit is set at Rs.40,000 for domestic transactions. This provides a generous amount for everyday needs. However, if you hold an international Visa debit card, you can withdraw significantly more, with a daily limit of up to Rs.1,00,000. This higher limit is particularly beneficial for those who travel frequently or make large purchases abroad.

1. SBI Mastercard Debit Cards:
   1. Mastercard debit card users experience different withdrawal limits based on their specific card types. Classic Mastercard holders can withdraw up to Rs.25,000 daily, which suits those with more modest cash needs.
   2. For those requiring higher access, Platinum Mastercard users can withdraw up to Rs.75,000 per day. The Business Platinum Mastercard takes it a step further, allowing withdrawals of up to Rs.1,00,000 per day, catering to business professionals who often require larger sums for transactions.

1. SBI Rupay Debit Cards:
   1. This RuPay Debit Cards have a daily withdrawal limit of Rs.40,000, aligning with the domestic limit for Visa cards. This makes it a reliable option for everyday transactions. Additionally, the IOCL Co-Branded Contactless RuPay Debit Card also supports this limit, providing users with a seamless and flexible way to access cash.

SBI ATM Withdrawal Process with and without OTP

SBI has implemented a robust One-Time Password (OTP) system to enhance the security of ATM transactions. This additional layer of protection is designed to safeguard your financial information and ensure that only authorised users can access their accounts.

Withdrawal Process Without OTP

For cash withdrawals of up to Rs.10,000, SBI customers can complete their transactions without needing to enter a One-Time Password (OTP). This feature allows for quick and convenient transactions, making it particularly beneficial for users who require smaller amounts of cash. By eliminating the OTP requirement for these withdrawals, SBI streamlines the process, ensuring a faster and more efficient experience at the ATM.

Withdrawal Process With OTP

You can withdraw cash from an SBI ATM using an OTP by following the steps outlined below:

1. Step 1: Visit an SBI ATM and insert your debit card into the card slot.

1. Step 2: Select the amount you wish to withdraw. If the amount exceeds Rs.10,000, proceed to the next step.

1. Step 3: Wait for the One-Time Password (OTP) to be sent to your registered mobile number.

1. Step 4: Once you receive the OTP, enter it on the ATM screen when prompted.

1. Step 5: After entering the correct OTP, your identity will be verified, and you can continue with the transaction.

1. Step 6: Complete the withdrawal by collecting your cash, which will be dispensed by the ATM.

1. Step 7: Ensure you take your debit card and any transaction receipt before leaving the ATM.

How to Check Your SBI ATM Withdrawal Limit?

Method 1: Using SBI Yono Mobile App

You can check your SBI ATM withdrawal limit by following the steps given below:

1. Step 1: Download it from the Google Play Store or Apple App Store.

1. Step 2: Open the app and log in using your username and password or the MPIN (if already set).

1. Step 3: Tap on the menu or the options section, typically at the bottom or the side of the screen.

1. Step 4: Select the 'Service Requests' option or 'ATM Card Services', depending on the app's layout.

1. Step 5: Look for the option that allows you to manage your debit card limits, such as 'Manage Card Limits' or 'Set ATM Limits'.

1. Step 6: Check or Adjust Your Withdrawal Limit. You can also adjust the limit within the permitted range as per your preferences.

1. Step 7: If you adjust the limit, make sure to confirm and save the changes.

Method 2: Visiting Your Nearest SBI Branch

You can change your SBI ATM withdrawal limit offline by following the instructions given below: 

1. Step 1: Locate the Nearest SBI Branch:

1. Step 2: Visit your nearest State Bank of India branch during working hours.

1. Step 3: Carry Necessary Identification: Bring your debit card and valid ID proof (e.g., Aadhaar card, PAN card) for verification.

1. Step 4: Consult the Bank Representative. Approach the help desk or a bank official and request details regarding your ATM withdrawal limit.

1. Step 5: If you wish to change your limit, you may need to fill out a request form. The bank staff will assist you with the process.

1. Step 6: After submitting your request, confirm the new withdrawal limit and any other necessary steps, if applicable.

Method 3: Contacting SBI Customer Care

The steps below can help you change the SBI ATM withdrawal limits by calling customer care. 

1. Step 1: Call the Toll-Free Number 1800-425-3800 to reach SBI customer care.

1. Step 2: Follow the interactive voice response (IVR) system to connect to an executive.

1. Step 3: Once connected, ask the representative for information regarding your current ATM withdrawal limit.

1. Step 4: If you want to modify your withdrawal limit, they will guide you through the process, which may involve using the app or visiting the branch.

Method 4: Emailing SBI Support

The instructions given below can help you set your ATM withdrawal limit via email:

1. Step 1: Send an email to contactcentre@sbi.co.in.

1. Step 2: Mention your account number, full name, registered mobile number, and your query regarding the ATM withdrawal limit.

1. Step 3: SBI’s customer care team will respond with the required information and guidance.

How to Change SBI ATM Withdrawal Limit? 

Method 1: Using SBI YONO Mobile App

The process to change your SBI ATM withdrawal limit using the SBI YONO mobile App is outlined below:

1. Step 1: Download the SBI YONO App.

1. Step 2: Log in to Your Account:

1. Step 3: Open the app and log in using your credentials (username/password or MPIN).

1. Step 4: Tap the menu button or explore the options, usually at the bottom of the screen.

1. Step 5: Navigate to 'Service Requests'.

1. Step 6: Choose 'Manage Card Limits'

1. Step 7: Enter the New Withdrawal Limit.

1. Step 8: Save the changes and confirm with an OTP (One-Time Password) sent to your registered mobile number.

Method 2: Using SBI Internet Banking

The following steps will guide you to change your ATM withdrawal limits via SBI Internet Banking:

1. Step 1: Log in to SBI Internet Banking. Visit onlinesbi.com and log in using your credentials.

1. Step 2: From the main menu, choose the 'e-Services' option.

1. Step 3: Go to 'ATM Card Services':

1. Step 4: Choose 'Manage ATM Card Limits'. Select the option to modify your withdrawal limit.

1. Step 5: Set the new limit as per your preference.

1. Step 6: Confirm the changes with OTP authentication and complete the process.

Method 3: Visiting the Nearest SBI Branch

You can change your ATM withdrawal limits offline by following the instructions given below:

1. Step 1: Visit the Nearest SBI Branch:

1. Step 2: Request to Change the ATM Limit:

1. Step 3: Inform the bank representative that you would like to change your ATM withdrawal limit.

1. Step 4: The representative may provide a form to change the limit, which you can fill in and submit.

1. Step 5: Once the request is processed, confirm that the new limit is applied.

Method 4: Contacting SBI Customer Care

You can change your ATM withdrawal limit by calling SBI customer care. The steps are as follows:

1. Step 1: Dial 1800-425-3800 to reach SBI customer care.

1. Step 2: Follow the prompts to speak with a customer care representative.

1. Step 3: Request to Change Withdrawal Limit. Provide the necessary details and request them to change your ATM withdrawal limit. The representative will guide you through any additional steps needed to complete the process.

How To Withdraw Cash from an SBI ATM?

Here is a stepwise guide on how to withdraw cash from an SBI ATM:

1. Step 1: Place your SBI debit card into the ATM machine's card slot.

1. Step 2: Select your preferred language from the options on the screen.

1. Step 3: Click on the ‘Cash Withdrawal’ option displayed on the screen.

1. Step 4: Choose the type of account linked to your card (Savings, Current, etc.).

1. Step 5: Input the amount of cash you wish to withdraw.

1. Step 6: Enter your 4-digit ATM PIN to authorise the transaction.

1. Step 7: Retrieve your cash and take out your card once the transaction is complete.