SBI ATM Charges Revised: Here is What Savings and Salary Account Holders Should Know

State Bank of India (SBI) has revised its ATM and Automated Deposit-cum-Withdrawal Machine (ADWM) charges at other banks’ ATMs. The new fee structure came into effect on 1 December 2025 and marks the first revision since February 2025. 

The changes mainly affect savings and salary account holders when they exceed their free monthly transactions at non-SBI ATMs. Transactions at SBI ATMs remain free and unchanged.

Higher Charges Beyond Free Limit

Under the updated fees, customers will be charged ₹23 plus GST for each cash withdrawal at non-SBI ATMs after the free limit, up from ₹21 plus GST previously. For non-financial transactions, such as balance enquiries or mini statements, the fee has increased to ₹11 plus GST from ₹10.

Free Transaction Limits for Savings Accounts

For regular savings account holders, the number of free transactions per month at non-SBI ATMs remains unchanged at five. This includes both financial and non-financial transactions. Fees are applied only after this limit is exceeded.

New Limit for Salary Accounts

SBI has also introduced a cap on free transactions for salary accounts. These account holders are now entitled to 10 free transactions per month at non-SBI ATMs across all locations. Previously, salary accounts allowed unlimited free withdrawals. Once the limit is crossed, the revised fees apply.

Accounts and Services Not Affected

Some accounts and services remain outside the new fee structure. These include:

• Basic Savings Bank Deposit (BSBD) accounts – charges unchanged
• Transactions at SBI ATMs using debit cards – continue to be free
• Cardless cash withdrawals at SBI ATMs – remain unlimited and free
• Kisan Credit Card (KCC) accounts – no impact from the fee revision

Read more: PIB Fact Check: Will Your SBI YONO App Be Blocked If Aadhaar Is Not Updated?

Conclusion

The revision in ATM and ADWM charges by SBI is mainly a response to increased interchange fees. Savings and salary account holders should be aware of their free transaction limits to avoid additional fees. While SBI ATMs remain free to use, non-SBI ATM usage beyond the allowed limits will now cost slightly more, making it important for customers to plan their withdrawals accordingly.

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