YES BANKBank transfer service

YES BANK Transfers — NEFT, RTGS & IMPS

YES BANK's transfer profile uses YES ONLINE's current rail-specific rules: NEFT and IMPS have no minimum, RTGS starts at ₹2 lakh, IMPS has a ₹2 lakh per-transaction cap and daily usage is constrained by the lower customer-set or bank-enforced limit.

First-party evidencePublished researchReviewed September 10, 2026Active

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Eligible account / channelRequires an eligible YES BANK account with YES ONLINE/Mobile/branch transaction access, sufficient available funds and a daily transaction limit. The lower of the customer-set and bank-enforced daily limit governs where stated.

Rail / channel limitsCurrent YES ONLINE FAQ: IMPS maximum ₹2 lakh per transaction, up to the lower of customer-set or bank-enforced daily limit; NEFT has no bank-published per-transaction maximum in the FAQ and is constrained by that daily limit; RTGS has a ₹2 lakh minimum and the applicable daily controls.

Transfer / channel chargesYES BANK charges vary materially by account/programme and channel. The current general savings schedule lists branch NEFT/RTGS slab charges and IMPS charges, while premium schedules such as YES FIRST can waive branch/digital NEFT, RTGS and IMPS. v1.39 therefore does not publish one bankwide transfer price.

Rail / beneficiary relationshipThe rail rule and the daily user/bank limit are separate. A customer may set a lower daily ceiling than the bank permits; account programme determines whether transfer charges are waived.

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 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.

How to verifyMethodology · Editorial policy

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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 / channelRequires an eligible YES BANK account with YES ONLINE/Mobile/branch transaction access, sufficient available funds and a daily transaction limit. The lower of the customer-set and bank-enforced daily limit governs where stated.

02 · Rail / channel limitsCurrent YES ONLINE FAQ: IMPS maximum ₹2 lakh per transaction, up to the lower of customer-set or bank-enforced daily limit; NEFT has no bank-published per-transaction maximum in the FAQ and is constrained by that daily limit; RTGS has a ₹2 lakh minimum and the applicable daily controls.

03 · Transfer / channel chargesYES BANK charges vary materially by account/programme and channel. The current general savings schedule lists branch NEFT/RTGS slab charges and IMPS charges, while premium schedules such as YES FIRST can waive branch/digital NEFT, RTGS and IMPS. v1.39 therefore does not publish one bankwide transfer price.

04 · Rail / beneficiary relationshipThe rail rule and the daily user/bank limit are separate. A customer may set a lower daily ceiling than the bank permits; account programme determines whether transfer charges are waived.

Exact product-type evidence

Bank transfer 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.

Bank-transfer rail map

NEFT, RTGS and IMPS share a beneficiary journey, not one universal limit.

System mechanics are kept separate from bank, channel, account, beneficiary and temporary security limits. Reviewed September 10, 2026.

Channels / scopeYES ONLINE Internet Banking, supported YES BANK mobile channels and branch. The exact current amount framework here is anchored to the YES ONLINE FAQ.

AuthenticationAuthenticated YES ONLINE/Mobile Banking transaction controls and the customer's configured daily transaction limit apply. Beneficiary details and transaction references should be checked carefully before submission.

NEFTAvailable 24x7x365 and settles in RBI batches. YES ONLINE states no minimum and no per-transaction maximum in the bank FAQ; transfer amount remains subject to the lower customer-set or bank-enforced daily transaction limit.

RTGSReal-time 24x7x365 with ₹2 lakh minimum. The applicable customer/bank daily transaction limit and account/channel controls still constrain the usable amount.

IMPSReal-time 24x7x365; no minimum in the YES ONLINE FAQ and maximum ₹2 lakh per transaction, up to the lower customer-set or bank-enforced daily limit.

Beneficiary controlsYES ONLINE supports beneficiary/payee transfers, but the reviewed current first-party material does not establish one universal new-beneficiary cooling duration across all retail channels, so none is inferred.

Cooling / first-use stateCustomer-set versus bank-enforced daily limits are modeled explicitly. No unsupported beneficiary wait or first-day cap is added merely because other banks use one.

Charges / waiver scopeAccount/channel dependent. General savings schedule: branch RTGS ₹20/₹40 by slab, branch NEFT ₹2/₹4/₹12/₹20 by slab and IMPS ₹5 up to ₹1 lakh / ₹15 above ₹1 lakh up to ₹5 lakh. YES FIRST's current schedule shows these payment services free, demonstrating programme-specific waivers.

Availability / settlementYES ONLINE states NEFT is 24x7x365; RTGS and IMPS are real-time modes and are offered 24x7x365 in the current FAQ.

Failure / return / reversalKeep the transaction reference and use YES BANK status/support channels when beneficiary credit is delayed. The bank FAQ notes credit time varies by transfer mode; a pending status should not be treated as permission to resend immediately.

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.

NEFT / RTGS / IMPS coverageYES ONLINE supports 24x7 NEFT, RTGS and IMPS with rail-specific settlement behavior, while customer-set limits add a separate security control.

Transfer access / eligibilityEligible YES BANK customers with transaction-enabled digital/branch banking. Product, customer and channel restrictions remain applicable.

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

YES BANK customers who want bank-enforced and self-set daily controls kept distinct from rail per-transaction rules and account-specific fee schedules.

Verify before relying

The reviewed YES ONLINE material does not support one universal newly-added-beneficiary cooling period across every retail transfer journey, so v1.39 does not invent one.
IMPS's ₹2 lakh per-transaction figure in the current YES ONLINE FAQ is not the same as a customer's daily transfer limit.
YES BANK fee treatment varies by product: general savings and premium/account-specific schedules can legitimately show different NEFT/RTGS/IMPS charges.

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.

Kotak Mahindra BankKotak Mahindra Bank Transfers — NEFT, RTGS & IMPSYES BANKYES BANK Transfers — NEFT, RTGS & IMPSOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks