Most banks in India allow a certain number of free ATM withdrawals every month. After that limit, they charge a small fee for each extra withdrawal.
In January 2026, these free transaction rules remain unchanged from the RBI guidelines set years ago. Knowing the exact number helps you avoid surprise charges and plan cash withdrawals smartly.
RBI’s Free Transaction Rule
RBI allows 5 free transactions per month at your own bank’s ATMs and 3 free transactions at other banks’ ATMs (in metro cities).
These limits apply to savings accounts and are calculated monthly.
Metro vs Non-Metro Difference
In metro cities (like Mumbai, Delhi, Bangalore), you get only 3 free transactions at other banks’ ATMs.
In non-metro and rural areas, this limit is 5 free transactions at other banks’ machines.
Charges After Free Limit
Once free transactions are over, banks usually charge:
- ₹20–₹23 + GST per withdrawal at own bank
- ₹20–₹25 + GST at other banks
Some banks charge even on balance enquiry after free limit.
Premium & Salary Accounts Get More
Many banks offer unlimited free transactions or higher limits (8–10 free) on premium accounts, salary accounts, or senior citizen accounts.
Zero-balance accounts usually have lower or no free limits.
Bank-wise Free Transactions at a Glance (Jan 2026)
| Bank | Free at Own Bank ATMs | Free at Other Bank ATMs (Metro) | Free at Other Bank ATMs (Non-Metro) | Extra Charges (Approx.) |
|---|---|---|---|---|
| SBI | 5 | 3 | 5 | ₹20 + GST |
| HDFC Bank | 5 | 3 | 5 | ₹23 + GST |
| ICICI Bank | 5 | 3 | 5 | ₹23 + GST |
| Axis Bank | 5 | 3 | 5 | ₹20 + GST |
| PNB | 5 | 3 | 5 | ₹20 + GST |
| Premium/Salary A/c | 8–Unlimited | 5–Unlimited | 5–Unlimited | Varies |
Smart Ways to Avoid Charges
Use your own bank’s ATM whenever possible. Withdraw larger amounts less frequently. Switch to digital payments (UPI, cards) for small needs. Upgrade to a salary or premium account if you use ATMs often.
ATM free transaction limits in 2026 remain the same – 5 at own bank and 3–5 at others – so planning withdrawals can save you ₹100–₹500 every month.
Check your bank’s latest policy on their app or website today. Switch to digital payments for daily needs and use ATMs only when really necessary – your wallet will thank you!