SBI ATM Charges: SBI increases ATM transaction charges. Find out how much extra you will have to pay now?

Under SBI's new system, if SBI customers withdraw cash from other banks' ATMs after exceeding the free limit, they will now have to pay Rs 23 plus GST per transaction.

State Bank of India, the country's largest public sector bank, has changed its ATM transaction charges. These changes came into effect from December 1, 2025. These changes will directly affect savings and salary account holders who use ATMs of other banks. However, some accounts and transactions remain unchanged. Regarding these changes, the bank says that the ATM service charges were reviewed after an increase in interchange fees, leading to this decision. This is the first time SBI has increased ATM charges since February 2025. So, let's tell you how much extra you will have to pay after the changes in SBI's ATM transaction charges.

Transactions at non-SBI ATMs will now be more expensive

Under SBI's new system, if SBI customers withdraw cash from other banks' ATMs after exceeding the free limit, they will now have to pay Rs 23 plus GST per transaction. Earlier, this fee was Rs 21 plus GST. In addition, non-financial transactions such as balance checks or mini statements will now cost Rs 11 plus GST, which was previously Rs 10 plus GST. SBI has also clarified that there is no change in the free transaction limit at non-SBI ATMs for regular savings account holders. Customers can still make 5 free transactions every month at other banks' ATMs, including both financial and non-financial transactions. The new charges will apply only after this limit is exceeded.

Rules also changed for salary account holders

Significant changes have been made to the rules for customers holding salary package savings accounts. While previously unlimited free transactions were available at other banks' ATMs, this limit has now been reduced to 10 free transactions per month. Meanwhile, after the free limit is exhausted, salary account holders will also have to pay Rs 23 plus GST for cash withdrawals and Rs 11 plus GST for non-financial transactions.

Which accounts will not be affected?

• According to SBI, some categories of customers will not be affected by this increase.
• There has been no change in the charges for Basic Savings Bank Deposit Accounts.
• Transactions at SBI's own ATMs using SBI debit cards will remain completely free.
• Cardless cash withdrawals from SBI ATMs will remain unlimited and free as before.
• In addition, Kisan Credit Card accounts have also been exempted from this change.