AU Small Finance BankATM & cash service
AU Small Finance Bank ATM & Cash Services
AU Small Finance Bank's ATM, CDM and branch-cash profile using its current 5 April 2026 service-fee schedules, with account-tier variation and aggregated cash-deposit charging preserved.
First-party evidencePublished researchReviewed September 10, 2026Active
Eligible account / cardATM/cash benefits vary by AU account proposition and relationship balance. The current schedule is explicitly product/variant-based; no universal AU own-bank free count is inferred.
ATM / cash limitsThe debit-card variant controls daily withdrawal value. The service-fee schedule's free ATM count and monthly cash-deposit allowance are pricing counters, not card cash ceilings.
ATM / cash service chargesAU's current service-fee schedules show post-free domestic ATM charges of ₹23 financial and ₹10 non-financial. Depending on the account scheme, own-bank monthly free counts can be 5, 10 or 20 and other-bank domestic free usage commonly 5. Cash-deposit allowances are product-specific, with reviewed schedules showing examples such as 5 transactions or ₹2 lakh/month, whichever is earlier, then ₹5 per ₹1,000 with ₹100 minimum.
Account / card / channel relationshipATM/CDM and branch cash usage are tied to the account's service-fee schedule; AU explicitly aggregates cash deposits across Branch, ATM/CDM and AEPS for charging purposes.
Research processPublished by bankingreference.info
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
2 first-party sources
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: November 24, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
ATM & cash service evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
ATM & cash control map
Free counts, cash limits and cash-handling charges belong to different layers.
Own-bank versus off-us ATM, debit-card/account limits, Cash Recycler/CDM ceilings and branch cash tariffs are kept separately scoped. Reviewed September 10, 2026.
Account / channel scopeAU's 5 April 2026 service-fee framework is product-specific. Own-bank free ATM counts and cash-deposit allowances vary by account tier; other-bank/post-free pricing is separately stated.
Own-bank ATMCurrent AU product tables show scheme-dependent own-bank allowances such as 5, 10 or 20 free monthly transactions before ₹23 financial pricing; exact account schedule controls.
Other-bank ATMCurrent AU schedules commonly show 5 free domestic non-AU ATM transactions before ₹23 financial and ₹10 non-financial pricing; scheme-specific exceptions must be checked.
Withdrawal / machine limitsDaily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash Recycler / CDMAU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
Branch cashOne current mainstream schedule example gives 5 cash-deposit transactions or ₹2 lakh/month free, whichever is earlier, followed by ₹5 per ₹1,000 with ₹100 minimum. Other AU schemes publish different allowances and must be matched individually.
Third-party / non-home cashNo single universal third-party cash allowance is inferred from the multi-product service-fee page; exact account schedule and KYC/channel rules apply.
Failed ATM reversalRBI requires T+5 calendar-day reversal when an ATM transaction debits the account without dispensing cash, with ₹100/day compensation beyond T+5; use the issuing-bank complaint route.
Security controlsOther-bank ATM insufficient-funds declines are currently listed at ₹25 per instance on reviewed AU schedules. Debit-card daily cash limits and card security settings remain separate.
How to apply the chargesAlways match the AU account variant. Branch/ATM/CDM/AEPS cash deposits share the cash-deposit counter, while ATM withdrawal free counts and card daily withdrawal limits remain separate.
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
ATM / cash service chargesAU's current service-fee schedules show post-free domestic ATM charges of ₹23 financial and ₹10 non-financial. Depending on the account scheme, own-bank monthly free counts can be 5, 10 or 20 and other-bank domestic free usage commonly 5. Cash-deposit allowances are product-specific, with reviewed schedules showing examples such as 5 transactions or ₹2 lakh/month, whichever is earlier, then ₹5 per ₹1,000 with ₹100 minimum.
Eligible account / cardATM/cash benefits vary by AU account proposition and relationship balance. The current schedule is explicitly product/variant-based; no universal AU own-bank free count is inferred.
ATM / cash service coverageAU supports branch and ATM/CDM cash deposits, with current schedules aggregating Branch, ATM/CDM and AEPS cash deposits when determining the cash-deposit charge entitlement.
ATM / cash limitsThe debit-card variant controls daily withdrawal value. The service-fee schedule's free ATM count and monthly cash-deposit allowance are pricing counters, not card cash ceilings.
ATM / cash accessEligible AU account/debit-card customers. Product tier, card variant and account relationship determine the applicable ATM/cash rules.
Account / card / channel relationshipATM/CDM and branch cash usage are tied to the account's service-fee schedule; AU explicitly aggregates cash deposits across Branch, ATM/CDM and AEPS for charging purposes.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
AU customers comparing ATM and cash usage who need their exact account tier matched because own-bank free counts and monthly cash-deposit allowances vary across AU schemes.
- AU's own-bank ATM free allowance varies by account scheme—current tables show different 5/10/20 transaction treatments—so a single bankwide number would be misleading.
- Cash deposits across Branch, ATM/CDM and AEPS are aggregated for cash-deposit charging; customers cannot treat each channel as a separate free allowance.
- The service-fee page contains many product tables; the exact account variant must be matched before applying cash-deposit counts/value or debit-card fee treatment.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
Own-bank ATMOther-bank ATMWithdrawal limits
Decision checks
Own-bank ATMOther-bank ATMWithdrawal limits
Decision checks
Own-bank ATMOther-bank ATMWithdrawal limits
Decision checks
Own-bank ATMOther-bank ATMWithdrawal limits
Decision checks
Own-bank ATMOther-bank ATMWithdrawal limits
Decision checks
Own-bank ATMOther-bank ATMWithdrawal limits
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcewww.au.bank.in
Open source ↗02Additional first-party evidencewww.rbi.org.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.