Indian Overseas Bank (IOB) ATMs allow customers to withdraw cash and access basic banking services 24×7 without visiting a branch. IOB ATMs accept IOB debit cards as well as most other bank cards across India.
This guide explains IOB ATM services, cash withdrawal limits, charges, ATM PIN generation, and common issues in simple language.
Quick Summary – Indian Overseas Bank ATM
- Bank: Indian Overseas Bank (IOB)
- Availability: 24×7 (subject to cash & connectivity)
- Card types: IOB RuPay / Visa / Mastercard debit cards
- Other bank cards: Accepted
- Basic services: Free within limits
Services Available at Indian Overseas Bank ATM
Using an IOB ATM, you can:
- Withdraw cash
- Check account balance
- Get mini statement (recent transactions)
- Generate or change ATM PIN
- Transfer funds (select ATMs)
- Deposit cash (at Cash Deposit Machines – CDM, select locations)
Indian Overseas Bank ATM Cash Withdrawal Limits
IOB Debit Card Daily Withdrawal Limit (Indicative)
| Card Type | Daily Limit |
|---|---|
| RuPay Classic | Up to ₹40,000 |
| Visa / Mastercard | Up to ₹50,000 |
| Premium Cards | Up to ₹1 lakh (may vary) |
Actual limits depend on debit card type and account profile. Limits can usually be checked or changed via net banking, mobile app, or branch.
Indian Overseas Bank ATM Charges (2026)
IOB ATM – Own Bank
- Cash withdrawal: Free (within free transaction limit)
- Balance enquiry: Free
Other Bank ATMs
- Free transactions: As per RBI guidelines
- After free limit: Charges apply per transaction
Free ATM transaction count depends on metro / non-metro location.
How to Generate or Change IOB ATM PIN
Method 1: At IOB ATM
- Insert your IOB debit card
- Select Create / Change PIN
- Enter account number and registered mobile number
- Receive OTP on mobile
- Set new ATM PIN
Method 2: Via IOB Net Banking
- Login → Debit Card Services → Generate / Change PIN
Method 3: Via IOB Mobile App
- Login → Card Services → ATM PIN
Indian Overseas Bank Cash Deposit at ATM (CDM)
At select IOB Cash Deposit Machines, you can:
- Deposit cash instantly
- Receive printed receipt
- Amount is usually credited immediately or within a few hours
Cash deposit facility is available only at selected locations.
Common IOB ATM Problems & Solutions
1. Cash Debited but Not Received
- Amount is usually auto-reversed within a few working days
- If not, lodge a complaint at branch or customer care
2. ATM Card Blocked
- Happens after multiple wrong PIN attempts
- Reset ATM PIN or contact IOB customer care/branch
3. ATM Out of Cash
- Try another IOB ATM nearby
- Use maps or IOB app to locate ATMs
Indian Overseas Bank ATM Safety Tips
- Never share ATM PIN
- Cover keypad while entering PIN
- Avoid help from strangers
- Block card immediately if lost or stolen
- Collect cash and receipt before leaving
Indian Overseas Bank ATM FAQs
Is IOB ATM open 24×7?
A. Yes, most IOB ATMs operate round the clock.
Can I use other bank cards at IOB ATM?
A. Yes, most bank debit cards are accepted.
How many free ATM transactions are allowed?
A. As per RBI rules; limits depend on location and bank policy.
Can I change my ATM withdrawal limit?
A. Yes, via net banking, mobile app, or branch.
Conclusion
Indian Overseas Bank ATMs provide convenient access to cash and essential banking services anytime. With wide card acceptance and reliable service, IOB ATMs support everyday banking needs.
