Archive · 4 Sep 2026
SBI Caps Salary Accounts’ Other-Bank ATM Transactions at Five
SBI is changing the ATM rules for some salary-account customers.
Starting October 1, 2026, they will get five free transactions each month at other banks’ machines instead of 10.
Cash withdrawals and balance checks will count together toward those five transactions.
After that, extra cash withdrawals will cost ₹23 plus GST.
Other extra services will cost ₹11 plus GST.
This change applies when customers use SBI debit cards at other banks’ ATMs and deposit-withdrawal machines.
The rules for other SBI account types will not change.
Cardless withdrawals will remain free without a transaction cap until further notice.
The reports describe SBI-operated ATM benefits differently, with one listing 10 free transactions and another saying some accounts have unlimited benefits.
From October 1, 2026, SBI salary package account holders will get five free monthly transactions at other banks’ ATMs and ADWMs, down from 10.
The five-transaction limit combines financial and non-financial services, including cash withdrawals and balance enquiries.
After the limit, additional cash withdrawals will cost ₹23 plus GST, while non-financial transactions will cost ₹11 plus GST.
The revision applies across all centres to salary account holders using SBI debit cards at other banks’ machines, without separate metro and non-metro limits.
SBI’s other account rules and cardless withdrawal rules remain unchanged; reports differ on whether salary customers receive 10 or unlimited free transactions at SBI-operated machines.
- Who
- SBI Salary Package Account holders using SBI debit cards at other banks’ ATMs and ADWMs.
- What
- SBI will reduce their combined free monthly financial and non-financial transactions at other banks’ machines from 10 to five.
- When
- The revised rules take effect on October 1, 2026.
- Where
- Other banks’ ATMs and Automated Deposit cum Withdrawal Machines across all centres; SBI-operated machines are addressed separately under existing rules.
- Why
- The articles do not state why SBI is reducing the limit.
Reported SBI ATM allowance
Alternative account-specific interpretation
Transactions at SBI-operated machines
Reported SBI ATM allowance
One report’s transaction table lists 10 free monthly transactions at SBI ATMs, with applicable rules afterward, and says existing SBI ATM rules are unchanged.
Alternative account-specific interpretation
The same report says salary package benefits, including Shaurya Family Pension Accounts and SBI RISHTEY Family Savings Accounts, include unlimited free transactions at SBI ATMs; the articles do not clearly reconcile this with the 10-transaction table.
- Effective date
- October 1, 2026
- Affected customers
- SBI Salary Package Account holders using SBI debit cards
- New other-bank limit
- Five combined financial and non-financial transactions per month
- Previous other-bank limit
- Ten free transactions per month
- Additional cash withdrawal
- ₹23 plus GST
- Additional non-financial transaction
- ₹11 plus GST
- Cardless withdrawals
- Remain free without a transaction cap until further notice
