SBI ATM Withdrawal Limit in 2025 – For SBI Global, Rupay, and Other Debit Cards

State Bank of India (SBI), India’s largest bank, offers a wide range of services and products to its customers. Among these, debit cards linked to SBI savings or current accounts are one of the most commonly used services.

SBI offers six different types of debit cards to its customers, with ATM withdrawal limits that vary depending on the card type, ranging from ₹40,000 to ₹1 lakh. These cards provide a convenient way to access cash, especially during emergencies, without the need to visit a branch. Additionally, SBI debit cards can be used for online transactions, point-of-sale (POS) payments, and other banking services, adding to their versatility.

To learn more about SBI’s withdrawal limits for debit cards, read on.

Related Read: Find ATM Withdrawal Limit for HDFC, Canara, ICICI and Other Major Banks

SBI ATM Withdrawal Limit in 2025

The State Bank of India (SBI) ATM withdrawal limits range from ₹40,000 to ₹1 lakh, depending on the type of debit card used by the customer. SBI allows its customers to make up to five free ATM cash withdrawals per month, after which additional charges apply.

Read About: UPI ATM Cash Withdrawal

SBI ATM Withdrawal Limit Per Day in 2025

The following table provides a clear overview of the minimum and maximum SBI ATM withdrawal limits per day to help you understand them better:

For more details, like the Point of Sales (POS)/ Online Transaction Limits, click here.

SBI ATM Withdrawal Limit Per Month

SBI does not specify a monthly withdrawal limit for ATMs. However, it is advisable to adhere to the daily limit for smooth transactions. Additionally, note that exceeding the benchmark limit set by the bank incurs extra charges. After five transactions at non-SBI ATMs, each subsequent transaction will attract a fee of ₹20 plus GST.

Regarding the number of times you can withdraw from an ATM, under the revised guidelines by the RBI effective from January 1st, 2022, customers of most banks, including SBI, are permitted to make cash withdrawals up to five times per month.

SBI ATM Withdrawal Limit per Day for Rupay Debit Card

The SBI ATM withdrawal limit per day for a Rupay debit card is a maximum of ₹40,000 and a minimum of ₹100. Keeping these limits in mind will help ensure smooth transactions when using your nearest ATM.

SBI ATM Withdrawal Limit per Day for Visa Debit Card

The following table explains the SBI ATM withdrawal limit per day for a Visa debit cards.

It’s possible to adjust these transaction limits by submitting an application to the bank through the SBI Yono mobile app, providing flexibility according to your needs and preferences. Understanding and managing these limits can optimize your banking experience and transactions effectively.

SBI ATM Withdrawal Limit per Day for Mastercard

The following table explains the SBI ATM withdrawal limit per day for a Mastercard debit cards.

SBI ATM Withdrawal Limit for Global Debit Card

The SBI ATM cash withdrawal limit for the SBI Global International Debit Card ranges from a minimum of ₹ 100 to a maximum of ₹ 40,000.

SBI ATM Withdrawal Limit Without OTP

There’s no OTP required for ATM cash withdrawals up to Rs. 10,000. This rule was implemented to make your ATM transactions more secure. If you are withdrawing more than ₹10,000, the bank will send an OTP to your registered mobile number. After entering the correct OTP, you can proceed with the withdrawal.

SBI ATM Withdrawal Limit With OTP

SBI has enhanced security to prevent fraudulent transactions. To further protect your account, SBI requires an OTP for ATM cash withdrawals exceeding ₹10,000. The OTP, sent to your registered mobile number, must be entered to verify your identity and complete the transaction up to your debit card’s maximum limit.

How to Check Your SBI ATM Withdrawal Limit?

Method 1: Using the SBI Yono Mobile App

• Open the SBI Yono app on your mobile device.
• Log in to your account using your credentials.
• Navigate to the “Services” section.
• Look for the “ATM Withdrawal Limits” option.
• Here, you can view your current withdrawal limit and make adjustments according to your preferences.

Method 2: Visiting Your Nearest SBI Branch

• Visit the nearest SBI branch.
• Approach the customer service desk and request information about your ATM withdrawal limits.
• You can also inquire if you wish to adjust your withdrawal limits.

Method 3: Contacting SBI Customer Service

• Call SBI’s toll-free number at 1800-425-3800 to speak with a customer service representative.
• Alternatively, you can send an email to contactcentre@sbi.co.in for assistance.

Related Read: How to Use an ATM Card for Various Purposes?

How to Change SBI ATM Withdrawal Limit?

Customer can customize their ATM withdrawal limits using the SBI YONO mobile application, internet banking, or by visiting your nearest SBI branch. This provides flexibility and convenience in managing your account settings.

How To Withdraw Cash from SBI ATM?

Withdrawing cash from an SBI ATM is quick and straightforward. Just follow these simple steps to complete your transaction smoothly:

• Step 1: Insert Your Debit Card
  

  Slide your SBI debit card into the card slot—chip first, facing up—until it’s fully engaged.

• Step 2: Select Your Language

  The screen will prompt you to pick your preferred language. Tap the option you’re most comfortable with to proceed.

  • Step 3: Choose “Cash Withdrawal”

    On the main menu, tap Cash Withdrawal. If you don’t see it immediately, hit More Options or Transactions.

  • Step 4: Pick Your Account Type
    

    Select the account you wish to withdraw from (typically Savings or Current).

  • Step 5: Enter Withdrawal Amount

    Key in the exact sum you want (e.g., ₹5,000). Remember you’re subject to your card’s daily limit and the five-transaction-per-month free withdrawal rule.

    • Step 6: Input Your PIN

      Type your 4- or 6-digit PIN. Take care to shield the keypad with your hand to keep your PIN secure.

    • Step 7: Authenticate with OTP (if Needed)

      For transactions above ₹10,000, the ATM will send a one-time OTP to your registered mobile. Enter that OTP to continue.

      • Step 8: Collect Cash & Receipt

        Once approved, the ATM will dispense your cash. Grab your notes, take the printed receipt if you need one, and don’t forget to remove your card before walking away.

Tip: Always cover the keypad when entering your PIN and double-check the cash and receipt before leaving the ATM. This ensures both your security and accuracy of the transaction.

Conclusion 

Understanding your SBI ATM withdrawal limits is essential to avoid unnecessary charges and ensure smooth transactions. By staying informed about the specific limits of your debit card and utilizing tools like the SBI Yono mobile app to manage these limits, you can effectively manage your finances and prevent any extra fees. Make sure to adhere to these guidelines to optimize your banking experience.

Frequently Asked Questions

1. What is the one-time SBI ATM withdrawal limit?

The one-time ATM withdrawal limits range from Rs. 40,000 to Rs. 1,00,000, depending on the type of SBI debit card you possess. 

2. Can I increase my SBI ATM withdrawal limit temporarily?

To increase your withdrawal limit, you can visit the SBI Bank’s net banking website. Navigate to e-Services, then ATM Card Services, followed by ATM Card Limit/Channel/Usage Change, and select Change Daily Limit. From there, you have the option to adjust your withdrawal limit according to your needs.

3. Do I get any free ATM withdrawals per month?

Yes, as an SBI customer, you are entitled to up to five free ATM withdrawals per month. This applies across most debit card types offered by SBI, allowing you to withdraw cash without incurring additional charges up to this limit. It’s important to stay within these free transaction limits to avoid fees on subsequent withdrawals.

4. How many times can I withdraw money from an SBI ATM in a day?

Most banks, including SBI, typically allow up to five free ATM transactions per month. Beyond this limit, additional charges apply. Specifically, for transactions below Rs. 20,000 at SBI ATMs, customers are entitled to five free transactions each month.

5. What happens if I try to withdraw more than the daily limit?

For cash withdrawals exceeding the free limit at SBI ATMs, a withdrawal charge of Rs. 10 applies per transaction. Transactions at ATMs of other banks incur a fee of Rs. 20 per transaction. Additionally, applicable GST will be levied along with these fees.

6. Do higher-tier SBI debit cards offer increased withdrawal limits?

Yes, higher-tier SBI debit cards like the Platinum International Debit Card offer increased daily withdrawal limits compared to standard cards. For example, the Platinum International Debit Card allows withdrawals of up to ₹1,00,000 per day, whereas the SBI Global International Debit Card has a daily limit of ₹40,000 and the SBI Gold International Debit Card allows up to ₹50,000 per day.

7. Do SBI ATM withdrawal limits apply to international transactions?

SBI debit cards have both minimum and maximum withdrawal limits for domestic transactions, which also apply to international transactions, although these can vary by country. The international withdrawal limit is subject to the maximum foreign currency equivalent of the domestic limit.

8. Are there any special withdrawal limits for senior citizens with SBI debit cards?

SBI does not offer any special ATM withdrawal limits specifically for senior citizens with their debit cards. The withdrawal limits for senior citizens are the same as those for other SBI customers and depend on the type of debit card they hold.

9. Can I withdraw 50,000 Rs from SBI ATM?

Yes, you can withdraw ₹50,000 from an SBI ATM if you have an SBI Gold International Debit Card or higher-tier cards like the SBI Platinum International Debit Card.

10. How many ATM transactions are free in SBI ATM per month?

For transactions under ₹20,000, you are entitled to 5 free ATM withdrawals per month at SBI.