HDFC Bank Revises ATM Transaction Charges, New Rules from 1st April 2026

HDFC Bank has announced revised ATM transaction charges for its customers. The updated charges are effective from May 1, 2025, with some additional changes applicable from April 1, 2026.

1. For transactions at HDFC Bank ATMs by Savings / Salary accounts, only cash withdrawal transactions are applicable for charging. Post completion of free limit, charges applicable are Rs 23 per transaction exclusive of taxes w.e.f 1st May 2025.
2. For transactions on Non HDFC Bank ATMs, maximum of 5 free transactions (Financial + Non-Financial) in a month with a cap of 3 free (Financial + Non-Financial) transactions in Top 6 Cities ** – Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru & Hyderabad ATMs will be considered as Top 6 cities. Post completion of free limit, charges applicable are Rs. 23 per transaction exclusive of taxes w.e.f 1st May 2025 for Cash Withdrawal & Rs. 8.5 per transaction exclusive of taxes for Non-Financial transactions.
3. For BSBDA Accounts, maximum of 4 free cash withdrawals in a month are allowed across all channels (ATM/ Branch/RTGS/NEFT/Clearing etc.).
4. For Salary Account – Please check with your respective corporate Relationship Manager for details of the offer.
5. In case of Current Accounts, the free transaction limit for usage of non-HDFC Bank ATMs as per above grid is applicable only for select variants (Activ, Ascent, Max Advantage, Plus, Professionals, Ecomm, Smart-Up Alpha, SmartUp Growth, SmartUp Max, Utlima, Apex, Max, Flexi, Merchant Advantage Plus, Supreme). For other Current Account Variants (Regular, Premium, Trade, Merchant Advantage, Ezee, Current Account for Hospitals/Nursing Homes/Pathology Labs), transactions at other Bank ATMs would be charged from 1st transaction onwards.
6. Post Free Transactions for Current Accounts, charges applicable are Rs 23/- per transaction exclusive of taxes for cash withdrawals & Non Financial transactions w.e.f 1st May 2025
7. ATM Transaction Charges are not applicable for Imperia , Preferred & Classic variant of accounts.
8. Effective 1st April 2026, UPI cash withdrawals at ATMs/CRMs are included as part of above free limits. Customers would be charged at Rs 23+taxes post completion of free limit.
9. For HDFC Bank customers, domestic ATM transactions done post 7:30 PM will be considered as next day’s transaction. On the last day of the month, ATM transactions done post 7:30 PM would be considered in the subsequent month. Transactions identified for charging post completion of prescribed free limits would be computed basis the above cut off timings.

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