The ATM withdrawal limit is the maximum amount of cash you can withdraw using your debit card in a day. This limit is set by your bank, your card type, and sometimes by RBI guidelines.
Most banks in India follow similar limits, but the exact amount can vary.
Quick Summary: ATM Withdrawal Limit
- Daily ATM withdrawal limit is bank- and card-dependent
- Typical limit ranges from ₹20,000 to ₹1,00,000 per day
- Limit applies per debit card, per day
- Cash can be withdrawn in multiple transactions within the limit
- Limits can often be changed via net/mobile banking
What Is ATM Withdrawal Limit?
ATM withdrawal limit is the maximum cash you’re allowed to withdraw from ATMs in one day using your debit card.
It depends on:
- Debit card type (Classic, Platinum, Premium)
- Bank’s internal policy
- Account type (savings, salary, current)
Typical ATM Withdrawal Limits in India (2026)
| Debit Card Type | Usual Daily Limit |
|---|---|
| Basic / Classic Debit Card | ₹20,000 – ₹40,000 |
| RuPay / Visa Platinum | ₹50,000 – ₹75,000 |
| Premium / Signature Cards | Up to ₹1,00,000 |
Limits may vary by bank and customer profile. Always check in your banking app for confirmation.
Per-Transaction ATM Limit
Even if your daily limit is high, most ATMs allow only:
- ₹10,000 to ₹20,000 per transaction
So, to withdraw ₹40,000, you may need 2 transactions.
ATM Withdrawal Limit for Other Bank ATMs
- The daily withdrawal limit remains the same
- Free transaction count is limited
- After free limit, charges apply per transaction
RBI Free Transaction Rule (Common Practice)
- 3–5 free ATM transactions per month
- Depends on metro / non-metro location
ATM Withdrawal Charges (After Free Limit)
| Type | Typical Charge |
|---|---|
| Cash withdrawal | ₹21–₹23 + GST per transaction |
| Balance enquiry | ₹6–₹7 + GST (if chargeable) |
Charges may differ slightly by bank.
How to Increase ATM Withdrawal Limit
Method 1: Mobile Banking App
- Login to your bank app
- Go to Debit Card / Card Controls
- Select ATM Withdrawal Limit
- Increase limit (within allowed range)
- Confirm with OTP / MPIN
Method 2: Internet Banking
- Similar steps under Card Services
Method 3: Branch Visit
- Submit a request at your home branch
- ID verification required
ATM Withdrawal Limit for International Usage
- International ATM limits are usually lower
- Currency conversion charges apply
- International usage must be enabled separately
Check your bank app before travelling.
Common ATM Withdrawal Problems
Withdrawal Declined
- Daily limit exhausted
- Per-transaction limit exceeded
- Insufficient account balance
Cash Debited but Not Received
- Amount usually auto-reversed within working days
- If not, lodge complaint with bank
Security Tips for ATM Withdrawals
- Avoid withdrawing large amounts at once
- Use bank ATMs when possible
- Enable SMS alerts
- Cover keypad while entering PIN
- Report lost card immediately
FAQs on ATM Withdrawal Limit
Is ATM withdrawal limit same for all banks?
A. No. Each bank sets its own limits within RBI guidelines.
Can I withdraw my full daily limit at once?
A. Depends on the ATM’s per-transaction limit and cash availability.
Does ATM limit reset daily?
A. Yes. It usually resets every 24 hours.
Can I change ATM limit anytime?
A. Yes, most banks allow instant changes via mobile or internet banking.
Conclusion
The ATM withdrawal limit helps banks manage cash flow and improve security. While most customers can withdraw ₹20,000–₹50,000 per day, premium cards may allow higher limits.
