SBI ATM Withdrawal Limit – How to Change SBI ATM Withdrawal Limit?

State Bank of India (SBI) is among the biggest and most reliable banks in India, providing an extensive selection of debit cards to cater to different customer needs. SBI provides its customers with seven various kinds of debit cards, featuring ATM withdrawal limits that differ based on the card type, spanning from ₹40,000 to ₹1 lakh. Whether you are a student, a premium customer, or a business professional, knowing your SBI ATM withdrawal limit can help you manage your finances better.

These ATM Debit cards offer an easy method to obtain cash, particularly in emergencies, eliminating the necessity to go to a branch. Moreover, SBI debit cards are applicable for online purchases, point-of-sale (POS) payments, and various banking services, enhancing their flexibility.

In this guide, we’ll break down the SBI ATM withdrawal limits for different types of debit cards, helping you understand which card best suits your requirements.

SBI ATM Card Withdrawal Limit 2025

The State Bank of India offers withdrawals ranging from ₹ 40,000 rupees. 1 lakh through debit cards at ATMs. According to the bank, it permits a maximum of 5 complimentary ATM withdrawals each month. SBI account holders must incur extra fees if they surpass this limit.

SBI ATM Card Withdrawal Limit per Day

The table below offers a straightforward summary of the daily maximum SBI ATM withdrawal limits for improved understanding –

SBI ATM Withdrawal Cap Without OTP

No OTP is necessary for ATM cash withdrawals up to ₹10,000. This guideline was established to enhance the security of your ATM transactions. If you withdraw more than ₹10,000, the bank will send an OTP to your mobile number registered. Once you input the accurate OTP, you may continue with the withdrawal.

SBI ATM Withdrawal Cap With OTP

SBI has improved security to stop fraudulent transactions. To enhance the security of your account, SBI mandates an OTP for ATM cash withdrawals that surpass ₹10,000. The OTP, which is sent to your registered mobile number, should be entered to confirm your identity and finalize the transaction up to your debit card’s maximum limit.

How to Change Your SBI ATM Withdrawal Limit?

Method 1 – SBI YONO Mobile Application

• Launch the SBI YONO application on your smartphone.
• Access your account by entering your login information.
• Go to the “Cards”. Click on the “My Debit Cards”.
• Here you can see your debit cards. You can select the account to switch between ATM Cards.
• Now click on “Manage Usage & Limits”. (Given at the bottommost menu items).
• Here you can control ATM Card Usage as well as change ATM transactions and POS transaction limits.
• Once you change the limit press “Save Changes”.
• You will get OTP at your registered mobile number. Once OTP Authentication is done your limit will be changed.

Method 2 – SBI Internet Banking

• Visit the SBI Website and log in using the SBI Net Banking User name and password.
• Click on the e-Services >> Debit Card Services.
• Click on the ATM cum Debit Card.
• Now you will be able to see various options. Click on the ATM Card Limit / Channel/ Usage Change.
• Select the Account and press the Continue button.
• Select the card and from the drop-down menu select – Change Daily Limit.
• Select ATM Limit and click on Submit.
• You will be able to see your ATM Withdrawal limit.
• You can enter a new withdrawal limit and press submit. Your ATM Card withdrawal limit will be changed to a new limit after OTP authentication.

Method 3 – Visiting Closest SBI Branch

• Go to the closest SBI branch.
• Visit the customer service desk and inquire about your ATM withdrawal restrictions.
• You may also ask if you want to modify your withdrawal limits.

Method 4 – Reaching Out to SBI Customer Support

• Dial SBI’s toll-free number 1800-425-3800 to connect with a customer service agent.
• Alternatively, you may write an email to contactcentre@sbi.co.in for help.

How to withdraw Cash using an ATM Card?

You can take out cash from SBI ATM by following these steps.

Step 1: Place your debit card into the ATM.

Step 2: Select your desired language

Step 3: Select the ‘Cash Withdrawal’ choice

Step 4: Choose your account type

Step 5: Input the sum you wish to take out

Step 6: Input your ATM Pin

Step 7: Retrieve your cash and remove your card from the machine.

Kindly be aware that for ATM withdrawals exceeding Rs. 10,000 you need to input the OTP sent to your registered phone number.

Conclusion

Knowing your SBI ATM withdrawal limits is crucial to prevent extra fees and guarantee seamless transactions. By being aware of the exact limitations of your debit card and using resources such as the SBI Yono mobile application to oversee these limits, you can successfully handle your finances and avoid any additional charges. Ensure you follow these instructions to enhance your banking experience.

FAQs

What is the limit for a single SBI ATM withdrawal?

The limits for a single ATM withdrawal vary between Rs. 40,000 rupees. 1,00,000, based on the category of SBI debit card you hold.

Is it possible to temporarily raise my SBI ATM withdrawal limit?

To raise your withdrawal limit, you can go to the SBI Bank net banking site. Go to e-Services, then ATM Card Services, next ATM Card Limit/Channel/Usage Change, and choose Change Daily Limit. From that point, you can modify your withdrawal limit based on your requirements.

Am I allowed any complimentary ATM withdrawals each month?

Indeed, as an SBI client, you can avail yourself of up to five complimentary ATM withdrawals each month. This is relevant for nearly all debit card varieties provided by SBI, enabling you to take out cash without facing extra fees up to this threshold. Staying within these free transaction limits is essential to prevent charges on later withdrawals.

What is the maximum number of times I can take out cash from an SBI ATM in one day?

Most banks, such as SBI, generally permit up to five complimentary ATM transactions each month. Above this threshold, extra fees will be incurred. Specifically, for transactions under Rs. Customers are allowed five free transactions per month at SBI ATMs for amounts up to 20,000.

What occurs if I attempt to take out more than the daily limit?

For cash withdrawals over the free limit at SBI ATMs, a fee of Rs. 10 applications for each transaction. Transactions at ATMs of different banks attract a charge of ₹ 20 for each transaction. Moreover, relevant GST will be charged in addition to these fees.

Do premium SBI debit cards provide higher withdrawal limits?

Indeed, premium SBI debit cards such as the Platinum International Debit Card provide greater daily withdrawal limits than regular cards. For instance, the Platinum International Debit Card permits daily withdrawals of up to ₹1,00,000, while the SBI Global International Debit Card has a daily cap of ₹40,000, and the SBI Gold International Debit Card allows withdrawals of up to ₹50,000 each day.

Do the SBI ATM withdrawal restrictions pertain to international transactions?

SBI debit cards are subject to both minimum and maximum withdrawal limits for domestic transactions, which similarly apply to international transactions, although these may differ by country. The international withdrawal cap is contingent upon the highest foreign currency equivalent of the local limit.

Do senior citizens have specific withdrawal limits with SBI debit cards?

SBI does not provide any exclusive ATM withdrawal limits for senior citizens using their debit cards. The withdrawal limits for senior citizens match those of other SBI customers and are based on the kind of debit card they possess.

Is it possible to take out 50,000 Rs from SBI ATM?

Indeed, if you possess an SBI Gold International Debit Card or superior cards such as the SBI Platinum International Debit Card, you can withdraw ₹50,000 from an SBI ATM.

What is the number of complimentary ATM transactions allowed at SBI ATM each month?

For transactions below ₹20,000, you can make 5 free ATM withdrawals each month at SBI.