YES BANKATM & cash service
YES BANK ATM & Cash Services
YES BANK's ATM and branch-cash profile using the current April 2026 savings schedule, with free own-bank ATM use, metro/non-metro off-us allowances and AMB-dependent branch-cash consequences kept scheme-scoped.
First-party evidencePublished researchReviewed September 10, 2026Active
Eligible account / cardATM/cash privileges depend on the savings-account variant and AMB/relationship rules. For specified Prosperity Prime/Ascent/Crest variants, non-maintenance can remove free privileges and cause branch cash deposits to be charged from the first rupee.
ATM / cash limitsThe debit-card variant controls daily cash value. The 3/5 off-us free transaction allowance controls pricing/count only and should not be treated as a withdrawal-amount limit.
ATM / cash service chargesThe current Savings schedule lists YES BANK ATM financial and non-financial transactions among free services. Other-bank domestic ATM/Cardless Cash gives 3 free transactions in metro cities and 5 in non-metros per month, then ₹23 financial and ₹10 non-financial. Insufficient-funds ATM/POS/Cardless declines are ₹30 per instance under the April 2026 schedule.
Account / card / channel relationshipBank-level ATM/cash profile over variant-specific Savings schedules; maintaining the product's balance/relationship can determine whether stated free privileges continue.
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 scopeCurrent YES BANK Savings schedule effective 1 April 2026 provides bankwide baseline ATM pricing but account variant/AMB and senior-citizen exceptions remain separate.
Own-bank ATMFinancial and non-financial transactions at YES BANK ATMs are listed among free services in the current savings schedule.
Other-bank ATMFirst 3 monthly transactions in metro cities and first 5 in non-metros are free; thereafter ₹23 financial and ₹10 non-financial. Current schedule includes cardless cash withdrawal in this off-us treatment.
Withdrawal / machine limitsThe linked YES BANK debit-card/account limit controls the daily cash amount. ATM free counts determine pricing only.
Cash Recycler / CDMNo single current generic savings-source machine value/note ceiling is established in the reviewed schedule; account/product and available cash-deposit channel rules remain controlling.
Branch cashThe current schedule warns that specified Prosperity Prime/Ascent/Crest customers who do not maintain product-level AMB can lose free privileges and face cash-deposit-at-branch charges from the first rupee deposited.
Third-party / non-home cashNo universal third-party cash allowance is inferred from the reviewed generic savings schedule; apply the account-specific tariff/KYC/branch rules.
Failed ATM reversalRBI T+5 calendar-day reversal and ₹100/day delayed-compensation standard applies to debit-without-cash ATM failures; lodge complaint with the card-issuing bank.
Security controlsATM/POS/Cardless declines due to insufficient funds are currently ₹30 per instance in the April 2026 savings schedule; senior-citizen waivers are separately stated.
How to apply the chargesAccount variant, AMB maintenance and senior-citizen status can materially change cash/ATM charges. Do not present the baseline 3/5 off-us allowance as every YES relationship's complete tariff.
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 chargesThe current Savings schedule lists YES BANK ATM financial and non-financial transactions among free services. Other-bank domestic ATM/Cardless Cash gives 3 free transactions in metro cities and 5 in non-metros per month, then ₹23 financial and ₹10 non-financial. Insufficient-funds ATM/POS/Cardless declines are ₹30 per instance under the April 2026 schedule.
Eligible account / cardATM/cash privileges depend on the savings-account variant and AMB/relationship rules. For specified Prosperity Prime/Ascent/Crest variants, non-maintenance can remove free privileges and cause branch cash deposits to be charged from the first rupee.
ATM / cash service coverageYES BANK own ATM financial/non-financial transactions are listed as free in the current savings schedule; digital/cardless access is supported subject to the account/debit-card proposition.
ATM / cash limitsThe debit-card variant controls daily cash value. The 3/5 off-us free transaction allowance controls pricing/count only and should not be treated as a withdrawal-amount limit.
ATM / cash accessEligible YES BANK savings/debit-card customers. Senior-citizen service-charge waivers and product-specific variants have separate exceptions under the current schedule.
Account / card / channel relationshipBank-level ATM/cash profile over variant-specific Savings schedules; maintaining the product's balance/relationship can determine whether stated free privileges continue.
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.
YES BANK savings customers who need current April 2026 off-us ATM pricing and want branch cash privileges tied correctly to their account variant and AMB maintenance.
- YES BANK's schedule explicitly ties some free privileges to product-level AMB maintenance; if the defined AMB is not maintained, branch cash deposit can be charged from the first rupee for the stated Prosperity variants.
- Senior citizens receive separate service-charge waivers under the current schedule, including other-bank ATM charges and insufficient-funds ATM decline charges; this should not be generalized to all customers.
- The reviewed generic savings schedule does not publish one universal CDM cash-deposit machine ceiling, so none is invented.
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.yes.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.