You keep your money in the bank, then whenever you want you go to the ATM and withdraw money. Now this process has become online. But there are many people who still use ATM. They go and withdraw money from ATM. But now this habit is going to cost them a lot. Now no matter how many times you go and withdraw money, you will have to pay a penalty. Banks have changed the rules for withdrawing money from ATM. These new rules have come into effect from today, i.e. April 1, 2026. These changes have been implemented on all banks from private sector to public sector banks.

HDFC Bank's changed rules:
Customers of HDFC Bank, the country's largest private sector bank, are entitled to five free transactions per month at HDFC Bank ATMs. For other banks' ATMs, the limit is three in metro cities and five in cities other than metro cities.

If you're an HDFC Bank customer, you can also withdraw cash from an ATM using UPI. Withdrawals made this way will now count towards your free ATM transaction limit. If you exceed this limit, you'll be charged ₹23 per transaction, plus applicable taxes.

What changes has PNB made?

The country's second largest public sector bank has changed the rules for withdrawing cash from ATMs for some debit cards. The daily ATM cash withdrawal limit for cards like RuPay NCMC Platinum Domestic Debit Card, RuPay NCMC Platinum International Debit Card, RuPay Women Power Platinum Debit Card, RuPay PNB Palash Debit Card, Recycle PVC Debit Card, RuPay Business Platinum NCMC Debit Card, Mastercard Platinum Debit Card, Visa Gold Debit Card and PNB Mastercard Platinum Rise has been reduced from ₹1,00,000 to ₹50,000. The ATM cash withdrawal limit for cards like RuPay Select Debit Card, PNB RuPay Select Neo, PNB RuPay Select Excel, VISA Signature Debit Card and MasterCard Business Debit Card has been reduced from ₹1,50,000 to ₹75,000.

Changes at Bandhan Bank
Bandhan Bank has also revised its free transaction limit at ATMs. As per the new rules, Bandhan Bank customers will be able to perform 5 free financial transactions per month at Bandhan Bank ATMs. However, there is no limit on transactions other than financial transactions. For transactions performed at ATMs of other banks, the limit will be 3 in metro cities and 5 in non-metropolitan cities. If the free transaction limit is exceeded, customers will be charged ₹23 for each financial transaction and ₹10 for each non-financial transaction. If an ATM transaction is rejected due to insufficient balance in the bank account, a penalty of ₹25 will be levied.

PC: Navarastra