ICICI Bank NEW charges for ATM, Cash Transaction, IMPS and Debit Card, Check Here!!
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ICICI Bank will change its service charges starting July 1, 2025. The revised fees will apply to ATM usage, cash deposits and withdrawals, IMPS money transfers, demand drafts, and debit card services. Let’s take a closer look at what customers need to know.
New ATM Transaction Charges
ICICI Bank customers using ICICI Bank ATMs will continue to get five free financial transactions per month. After using these free transactions, the bank will charge:
- ₹23 for each financial transaction
- Non-financial transactions (like balance enquiry or mini statement) will remain free
Senior citizens will continue to enjoy free transactions without any extra charges.
Other Bank ATMs (Inter-Bank ATM Usage)
If customers use ATMs of other banks, the number of free transactions depends on their location:
- Metro cities: 3 free transactions per month
- Non-metro cities: 5 free transactions per month
Once these limits are crossed:
- ₹23 per financial transaction
- ₹8.50 per non-financial transaction
International ATM Charges
For ATM usage outside India, ICICI Bank will charge:
- ₹125 per cash withdrawal
- ₹25 per non-financial transaction
- 3.5% of the transaction amount as a currency conversion fee
Senior citizens are exempt from these international ATM charges as well.
IMPS (Immediate Payment Service) Charges
If you are transferring money using IMPS (a real-time money transfer service), here are the updated charges:
- Up to ₹1,000: ₹2.50 per transaction
- ₹1,001 to ₹1 lakh: ₹5 per transaction
- ₹1 lakh to ₹5 lakh: ₹15 per transaction
These charges will be applied based on the transaction amount.
Cash Deposit & Withdrawal Charges at Branches and CRMs
ICICI Bank will now allow three free cash transactions per month (this includes both deposits and withdrawals at branches or through cash recycler machines – CRMs). After the free limit:
- ₹150 will be charged for every extra transaction
High-Value Cash Deposits
If you deposit more than ₹1 lakh in a month, the bank will charge:
- ₹150 or
- ₹3.50 per ₹1,000 deposited
(Whichever amount is higher)
Also, third-party cash deposits (someone else depositing cash into your account) will be limited to ₹25,000 per transaction.
Cash Withdrawals from Branches
- After 3 free withdrawals in a month, each additional withdrawal will cost ₹150
- If monthly withdrawals go over ₹1 lakh, value-based charges will be applied
- Third-party withdrawals are also limited to ₹25,000 per transaction
Debit Card Fees
The annual fee for ICICI Bank debit cards remains the same:
- ₹300 for regular customers
- ₹150 for customers in rural areas
If you lose your card and need a replacement, the replacement fee will be ₹300.
Summary of Key Changes in ICICI Bank Charges (Effective July 1, 2025)
| Service | Free Limit | Post-Limit Charges |
|---|---|---|
| ICICI Bank ATM (Financial) | 5/month | ₹23 per transaction |
| Other Bank ATMs (Metro) | 3/month | ₹23 (financial), ₹8.50 (non-financial) |
| Other Bank ATMs (Non-Metro) | 5/month | ₹23 (financial), ₹8.50 (non-financial) |
| International ATMs | None | ₹125 (cash), ₹25 (non-financial), 3.5% currency markup |
| IMPS Transfers | – | ₹2.5 to ₹15 based on amount |
| Cash Deposit/Withdrawal | 3/month | ₹150 per extra transaction |
| High-Value Cash Deposit | Up to ₹1 lakh/month | ₹150 or ₹3.5 per ₹1,000 |
| Debit Card (Annual Fee) | – | ₹300 (regular), ₹150 (rural) |
| Debit Card Replacement | – | ₹300 |
Conclusion
If you’re an ICICI Bank customer, it’s important to be aware of these new charges that start from July 1, 2025. Plan your ATM usage and cash transactions wisely to avoid extra fees. Also, keep in mind that senior citizens are given exemptions for most of these charges.
