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Federal BankATM & cash service

Federal Bank ATM & Cash Machine Services

Federal Bank's ATM, ATM-cum-CDM and cash-handling profile with scheme/AMB/geography-dependent off-us free counts and separate Savings cash-handling tariffs.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Eligible account / cardOff-us ATM free counts vary by scheme, AMB and in some cases whether the account is inside/outside Kerala. Celesta gets unlimited Any Bank ATM usage; regular schemes commonly show 5. Cash-handling free limits are a separate Savings account rule.
ATM / cash limitsCash Machine deposits accept up to 200 notes per transaction; withdrawals up to 40 notes per transaction. The debit-card variant still controls the customer's maximum daily cash value.
ATM / cash service chargesFederal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.
Account / card / channel relationshipATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.
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.

4 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.

01 · Eligible account / cardOff-us ATM free counts vary by scheme, AMB and in some cases whether the account is inside/outside Kerala. Celesta gets unlimited Any Bank ATM usage; regular schemes commonly show 5. Cash-handling free limits are a separate Savings account rule.
02 · ATM / cash limitsCash Machine deposits accept up to 200 notes per transaction; withdrawals up to 40 notes per transaction. The debit-card variant still controls the customer's maximum daily cash value.
03 · ATM / cash service chargesFederal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.
04 · Account / card / channel relationshipATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.
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 scopeFederal separates free own-bank ATM usage from scheme/AMB/geography-specific other-bank allowances and from Savings cash-handling/CDM charges.
Own-bank ATMFederal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.
Other-bank ATMAfter the applicable scheme free limit, ₹23 per financial and ₹12 per non-financial transaction. Regular schemes commonly show 5 monthly free transactions; salary/premium/Celesta and AMB/geography-based schemes can provide 10 or unlimited usage.
Withdrawal / machine limitsATM-cum-CDM Cash Machine can dispense up to 40 currency notes per withdrawal transaction; debit-card type and card/account settings control the daily value ceiling.
Cash Recycler / CDMFederal ATM-cum-CDM accepts cardless/card-based deposits, up to 200 currency notes at a time, for eligible Current and Savings Resident/NRO accounts; Savings beyond-free-limit cash-handling charges receive a 50% concession when remitted through CDM.
Branch cashSavings: 5 cash transactions (deposits + withdrawals, excluding ATM withdrawals) or ₹5 lakh per month, whichever is earlier, free; thereafter ₹4 per ₹1,000 or part, minimum ₹100 per transaction under the reviewed FY26 tariff.
Third-party / non-home cashThe reviewed resident account rules state cash deposits are accepted at non-home branches; current cash-handling charges/free limits still apply by account scheme and customer type.
Failed ATM reversalRBI's current controlling baseline is T+5 calendar days with ₹100/day compensation beyond T+5. Federal's ATM help page says customers can lodge the complaint with the card-issuing bank/Fed-e-Point and uses older '5 working days' wording for re-credit.
Security controlsFederal supports Soft PIN and card blocking through FedMobile/FedNet/phone/branch routes. Other-bank ATM insufficient-funds decline is currently ₹25 even if within the monthly free limit.
How to apply the chargesDo not average Federal's scheme-specific other-bank free counts. Own-bank ATM, off-us pricing, cash-handling allowance, CDM concession and debit-card cash ceiling must be evaluated separately.
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 chargesFederal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.
Eligible account / cardOff-us ATM free counts vary by scheme, AMB and in some cases whether the account is inside/outside Kerala. Celesta gets unlimited Any Bank ATM usage; regular schemes commonly show 5. Cash-handling free limits are a separate Savings account rule.
ATM / cash service coverageFederal ATM-cum-CDM Cash Machines support cardless/card-based deposits, card withdrawals, funds transfer, balance/mini statement and PIN change. Own-bank ATM financial and non-financial transactions are currently free.
ATM / cash limitsCash Machine deposits accept up to 200 notes per transaction; withdrawals up to 40 notes per transaction. The debit-card variant still controls the customer's maximum daily cash value.
ATM / cash accessEligible Federal savings/current and supported Resident/NRO accounts for the relevant Cash Machine functions. Deposits are not permitted to loan or NRE accounts on the reviewed Cash Machine page.
Account / card / channel relationshipATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.
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.

Potential fit

Federal Bank customers who need the exact account scheme and AMB matched before using an off-us ATM allowance, and who want Cash Machine/CDM rules separated from branch cash charges.

Verify before relying
  • Federal's off-us ATM allowance is highly scheme-specific: regular, salary, premium, Celesta and AMB/geography buckets differ, so one bankwide free count would be misleading.
  • The current Federal ATM help page still describes failed ATM re-credit using '5 working days' wording; the engine keeps RBI's current T+5 calendar-day framework as the controlling consumer-protection baseline.
  • CDM's 50% concession applies to cash-handling charges beyond the free limit; it does not mean every CDM deposit is universally free.
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.

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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.federal.bank.in
Open source ↗02
Additional first-party evidencewww.federal.bank.in
Open source ↗03
Additional first-party evidencewww.federal.bank.in
Open source ↗04
Additional 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.