SBI Cuts Free Transactions at Other Bank ATMs to Five for Salary Account Holders State Bank of India has halved the monthly free ATM transactions for salary package account holders at other lenders' machines from 10 to 5, applying revised fees thereafter. State Bank of India has altered the transaction terms for its salary package account holders, lowering the quota of complimentary monthly usage at automated teller machines and automated deposit-cum-withdrawal machines run by other lenders. Under the framework taking effect on October 1, eligible customers using their SBI debit cards at outside machines can carry out only five free transactions each month, down from the earlier threshold of 10. Once this quota is exhausted, subsequent operations will incur designated service charges. All Salary Package Variants Covered Across Centres The revised ceiling applies across every variant of the SBI Salary Package Account irrespective of branch location or centre. Crucially, the limit encompasses both financial and non-financial activities conducted at rival machines. Cash withdrawals are counted alongside balance enquiries and mini statement requests within the same pool of five free operations. Once an account holder reaches this five-transaction mark in a calendar month, any further attempt to withdraw funds or inspect account details at an outside terminal will trigger fee deductions. Fee Structure Beyond the Free Monthly Allowance Customers exhausting their five complimentary monthly opportunities at outside automated teller machines and deposit-cum-withdrawal terminals will face specific tariffs. For financial activities, primarily cash withdrawals, the bank levies a fee of Rs. 23 plus applicable GST per transaction. For non-financial operations, such as checking ledger balances or generating mini statements, the charge is set at Rs. 11 plus GST. These fees apply immediately on the sixth transaction onward during any billing cycle. Progressive Tightening from Unlimited to Five Usages This revision continues a broader contraction of off-network automated teller machine benefits for corporate and institutional payroll clients. Account holders in this category once operated under an unlimited free transaction model at non-SBI terminals. The bank subsequently phased out unrestricted access by instituting a cap of 10 free transactions alongside revised pricing in December. The latest step down from 10 to five further restricts how often salaried employees can rely on outside cash dispensers without taking on ancillary expenses. No Changes to SBI Network Usage or Regular Savings Limits The new restriction is strictly confined to transactions performed with SBI debit cards at outside banking terminals. At SBI's own proprietary network of cash dispensers and deposit-cum-withdrawal units, salary package account holders retain their entitlement to unlimited free transactions under prevailing guidelines. Furthermore, standard transaction limits governing ordinary SBI savings bank accounts have not seen revisions in this update. Tariffs applicable to cardless cash withdrawals across both SBI and third-party automated terminals also remain identical to previous terms. Distinct Regulations for Basic Savings Bank Deposit Accounts Different operational rules govern Basic Savings Bank Deposit accounts within the institution. Aadhaar-enabled Payment System transactions form part of the relevant transaction thresholds, where usage exceeding the prescribed limit draws charges ranging between Rs. 15 and Rs. 23 plus GST, contingent on the specific operation and account classification. For Basic Savings Bank Deposit holders, withdrawals beyond the permitted allowance may incur an expense of Rs. 15 plus GST, contrasting with the Rs. 23 plus GST fee levied on salary account holders for excess financial transactions at external machines. Specific free quotas for basic accounts require verification against official bank guidelines. Strategies to Prevent Unnecessary Service Charges Salary package clients can insulate themselves from unexpected deductions by structuring cash withdrawals efficiently and logging their monthly visits to outside terminals. Prioritising SBI's extensive in-house network remains an effective safeguard, as proprietary units continue to deliver unconstrained free transactions under current rules. Additionally, shifting everyday balance verification and routine payments onto digital payment channels, including UPI and mobile banking applications, eliminates the need for peripheral automated teller machine visits. What this means for you SBI salary package account holders must monitor their external automated teller machine visits carefully to avoid recurring service penalties. • Direct Monetary Impact: Withdrawing cash from third-party dispensers after the fifth monthly visit will attract a penalty of Rs. 23 plus GST each time. Even non-financial checks like viewing a balance or mini statement will cost Rs. 11 plus GST per instance. • Cash Planning Requirement: Account holders will need to consolidate multiple small withdrawals into fewer, larger visits each month. This planning helps retain the five free off-network transactions for urgent requirements. • Proprietary Network Reliance: Salaried staff can avoid these costs entirely by seeking out SBI's own branded automated teller machines. Proprietary machines continue to offer unconstrained, cost-free transactions under existing rules. • Digital Channel Shift: Users should verify account balances and mini statements through mobile banking applications or UPI rather than visiting external machines. Transitioning routine enquiries to digital platforms prevents non-financial activity from consuming the five-transaction quota. Why this happened State Bank of India revised its policies to rationalize the interchange expenses associated with third-party automated teller machine usage by salary account holders. • Interchange Cost Management: Operating institutions must pay interchange tariffs to rival lenders whenever debit cardholders utilise external automated dispensers. Halving the complimentary allowance from 10 to five directly reduces these inter-bank processing outlays. • Progressive Policy Tightening: The bank had previously eliminated unrestricted off-network access by imposing a 10-transaction cap alongside revised fees in December. The latest restriction marks the next stage in standardising customer transaction allowances across institutional categories. • Incentivising In-House and Digital Usage: The revision encourages clients to patronise the lender's proprietary terminal footprint or employ digital channels. Reducing off-network dependency steers account holders toward online transfers, UPI services, and SBI-operated automated infrastructure. Questions & Answers 1. What is the revised free transaction limit for SBI salary accounts at other banks' ATMs? Effective October 1, eligible salary package account holders receive five free monthly transactions at external automated teller machines, down from 10. 2. What is the fee for cash withdrawals after exhausting the five free transactions? Account holders will be charged Rs. 23 plus applicable GST for each subsequent financial withdrawal at other banks' terminals. 3. How much does a balance enquiry or mini statement cost after exceeding the limit? Non-financial activities incur a fee of Rs. 11 plus GST per transaction once the monthly quota is exhausted. 4. Has SBI altered transaction limits on its own ATM network? No, salary package account holders continue to receive unlimited free transactions when using SBI's proprietary automated terminals. 5. Are regular SBI savings bank account limits affected by this update? No, transaction thresholds for regular SBI savings accounts remain unchanged under these revised terms. 6. What charges apply to Basic Savings Bank Deposit accounts for excess withdrawals? Withdrawals beyond the permissible free quota for Basic Savings Bank Deposit accounts may attract a fee of Rs. 15 plus GST. https://trendkia.com/en/market/sbi-sailari-khatadharakon-ke-lie-dusare-bainkon-ke-atm-se-muphta-lena-dena-ki-sima-ghatakara-pancha-hui-41310 TrendKia — Har trend, sabse pehle.