ICICI BankATM & cash service
ICICI Bank ATM & Cash Services
ICICI Bank's ATM and cash-service profile covering own-bank and interchange allowances, CRM/cardless cash functions, account-schedule cash handling and failed-ATM complaint/reversal rules.
First-party evidencePublished researchReviewed September 10, 2026Active
Eligible account / cardRequires an eligible ICICI account/debit card for card-based ATM use; CRM, cardless and branch cash services remain governed by the linked account and current service-charge schedule.
ATM / cash limitsCard-based ATM withdrawal depends on the issued debit-card/account limit. ICICI's current ATM page lists cardless cash at ₹20,000 per transaction and ₹50,000/day, while the dedicated current cardless-cash page says ₹20,000 both per transaction and per day; v1.42 exposes this source conflict rather than selecting the larger figure.
ATM / cash service chargesICICI currently gives Savings-account holders 5 free financial transactions at ICICI ATMs and all non-financial ICICI ATM transactions free. At non-ICICI ATMs, up to 3 transactions in six metros or 5 elsewhere are free, with a maximum 5 free monthly; thereafter ₹23 per financial and ₹8.50 per non-financial transaction, plus applicable GST. Cash transaction charges vary by Savings-account variant/opening-date schedule.
Account / card / channel relationshipATM and cash charges are account-state dependent. ICICI maintains separate Savings schedules for accounts opened from 1 August 2025, earlier accounts, salary/family and special/basic variants; the generic service layer does not overwrite those schedules.
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.
6 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateRecheck approaching
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 scopeICICI ATM/CRM, non-ICICI interchange, cardless cash and branch cash are separate operating channels. The linked Savings/account schedule decides cash-handling fees beyond ATM-specific charges.
Own-bank ATMFirst 5 financial transactions per month at ICICI ATMs are free for Savings-account holders; all non-financial ICICI ATM transactions are free under the current ATM FAQ.
Other-bank ATMFirst 3 financial/non-financial transactions in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad, or first 5 elsewhere, are free subject to a maximum 5 free transactions per month; thereafter ₹23 financial and ₹8.50 non-financial, plus GST.
Withdrawal / machine limitsCard withdrawal is constrained by the debit-card/account limit. Cardless cash has conflicting current ICICI disclosures: the general ATM page says ₹20,000/transaction and ₹50,000/day; the dedicated cardless page says ₹20,000/transaction and ₹20,000/day.
Cash Recycler / CDMICICI CRMs support cash deposits. Deposit charges and free transaction/value thresholds follow the applicable Savings/current account schedule rather than one CRM-wide free allowance.
Branch cashICICI's current cash-deposit guidance for Regular Savings describes the first three base-branch cash transactions monthly as free, then per-transaction/value charges; non-base and programme/variant treatment can differ. The account's current schedule remains controlling.
Third-party / non-home cashCurrent ICICI cash-deposit guidance caps third-party non-base-branch deposits for Regular Savings at ₹25,000 per day; this is variant/channel scoped and is not generalized to every ICICI relationship.
Failed ATM reversalICICI supports ATM cash-withdrawal complaints through Net Banking, customer care and branches. RBI requires reversal of debit-without-cash ATM failures within T+5 calendar days and ₹100/day compensation for delay beyond T+5.
Security controlsPIN/card controls apply to card withdrawals. Cardless cash uses iMobile initiation plus a temporary PIN/SMS code; ICICI's SmartLock can disable payment modes, but exact card/account withdrawal limits remain product-specific.
How to apply the chargesApply ATM interchange charges independently from branch/CRM cash-handling charges, and match the latter to account opening date, programme and account variant.
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 chargesICICI currently gives Savings-account holders 5 free financial transactions at ICICI ATMs and all non-financial ICICI ATM transactions free. At non-ICICI ATMs, up to 3 transactions in six metros or 5 elsewhere are free, with a maximum 5 free monthly; thereafter ₹23 per financial and ₹8.50 per non-financial transaction, plus applicable GST. Cash transaction charges vary by Savings-account variant/opening-date schedule.
Eligible account / cardRequires an eligible ICICI account/debit card for card-based ATM use; CRM, cardless and branch cash services remain governed by the linked account and current service-charge schedule.
ATM / cash service coverageICICI ATMs/CRMs support cash withdrawal/deposit, mini statements, fund transfer, FD opening, cheque-book request, PIN generation and cardless cash withdrawal. Failed ATM complaints can be lodged through Net Banking, customer care or branch routes.
ATM / cash limitsCard-based ATM withdrawal depends on the issued debit-card/account limit. ICICI's current ATM page lists cardless cash at ₹20,000 per transaction and ₹50,000/day, while the dedicated current cardless-cash page says ₹20,000 both per transaction and per day; v1.42 exposes this source conflict rather than selecting the larger figure.
ATM / cash accessEligible ICICI customers under the account/card/service rules. Cardless cash uses iMobile/temporary PIN/SMS-code controls and supported ICICI ATMs.
Account / card / channel relationshipATM and cash charges are account-state dependent. ICICI maintains separate Savings schedules for accounts opened from 1 August 2025, earlier accounts, salary/family and special/basic variants; the generic service layer does not overwrite those schedules.
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.
ICICI customers who want the current ATM free-count and post-free pricing while keeping ATM, cardless withdrawal and branch/CRM cash-service rules attached to the right account schedule.
- ICICI's live ATM page and dedicated cardless-cash page disagree on the daily cardless withdrawal ceiling (₹50,000 versus ₹20,000). The conflict is preserved and the lower figure should be treated as the safer operational assumption until ICICI reconciles the pages.
- Cash-deposit/branch charges differ by account variant and opening date; a generic ICICI cash article must not override the current schedule that applies to the customer's account.
- For ATM cash not received, check whether an automatic reversal has already posted and use the bank's complaint route; RBI's T+5 calendar-day standard controls compensation timing.
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.icici.bank.in
Open source ↗02Additional first-party evidencewww.icici.bank.in
Open source ↗03Additional first-party evidencewww.icici.bank.in
Open source ↗04Additional first-party evidencewww.icici.bank.in
Open source ↗05Additional first-party evidencewww.icici.bank.in
Open source ↗06Additional 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.