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ATM & cash service comparison

AU Small Finance Bank ATM & Cash Services vs State Bank of India ATM & Cash Services

Compare AU Small Finance Bank ATM & Cash Services and State Bank of India ATM & Cash Services using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

ATM & cash service comparison

AU Small Finance Bank ATM & Cash Services vs State Bank of India ATM & Cash Services

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
AU Small Finance BankAU Small Finance Bank ATM & Cash Services

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.

Cost / pricing
AU'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.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
State Bank of IndiaState Bank of India ATM & Cash Services

SBI customers who want to understand when an ATM/ADWM transaction is free, how cash-recycler deposits work and which limits belong to the account, debit card or cardless channel.

Cost / pricing
ATM charges depend on account type and channel. SBI's 1 December 2025 notice lists 5 free other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST per cash withdrawal and ₹11 + GST per non-financial transaction. Salary Package accounts were listed at 10 free transactions at all centres under that notice; SBI has separately announced another Salary Package free-transaction revision effective 1 October 2026, so that segment is refresh-gated.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Compare like with likeThese records share the same product type.
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bankingreference.info · Comparison research sheet

AU Small Finance Bank ATM & Cash Services vs State Bank of India ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/au-atm-cash-services-vs-sbi-atm-cash-services/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

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01Which ATM allowance applies to your use?Compare own-bank and other-bank terms in the correct account or card context.

AU Small Finance Bank ATM & Cash Services

Own-bank ATM
Current 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 ATM
Current 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.

State Bank of India ATM & Cash Services

Own-bank ATM
Current SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance.
Other-bank ATM
The dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

AU Small Finance Bank ATM & Cash Services

Withdrawal limits
Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machine
AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.

State Bank of India ATM & Cash Services

Withdrawal limits
Debit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000.
Cash deposit machine
ADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

AU Small Finance Bank ATM & Cash Services

Charge scope
Always 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.
Failed ATM treatment
RBI 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.

State Bank of India ATM & Cash Services

Charge scope
Always match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date.
Failed ATM treatment
RBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels.
Other maintained comparisons for AU Small Finance Bank ATM & Cash ServicesOther maintained comparisons for State Bank of India ATM & Cash Services
Exact terms

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Banking product terms side by side for AU Small Finance Bank ATM & Cash Services and State Bank of India ATM & Cash Services
Decision factorAU Small Finance Bank ATM & Cash ServicesState Bank of India ATM & Cash Services
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.ATM charges depend on account type and channel. SBI's 1 December 2025 notice lists 5 free other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST per cash withdrawal and ₹11 + GST per non-financial transaction. Salary Package accounts were listed at 10 free transactions at all centres under that notice; SBI has separately announced another Salary Package free-transaction revision effective 1 October 2026, so that segment is refresh-gated.
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.Requires the relevant SBI account and, for card-based ATM/ADWM use, an eligible SBI debit card. ATM access does not change the balance, BSBDA, salary-package or current-account rules of the underlying account.
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.SBI ATMs/ADWMs support cash withdrawal and non-financial services; ADWMs also support cash deposits. Current SBI material says all non-financial transactions at SBI ATMs/ADWMs are free, supports UPI QR cash withdrawal and applies additional OTP protection to higher-value SBI-card ATM/ADWM transactions.
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.Card-based cash withdrawal remains subject to the debit-card/account limit. SBI's UPI QR Cash facility currently allows up to ₹10,000 per day through at most two ICCW transactions. SBI's current-account ADWM waiver notice lists card-based current-account deposits up to ₹1 lakh per transaction, cardless deposits up to ₹49,900 and specified third-party current-account deposits up to ₹49,900.
ATM / cash accessEligible AU account/debit-card customers. Product tier, card variant and account relationship determine the applicable ATM/cash rules.Eligible SBI customers according to the underlying account/card and machine/channel. Other-bank ATM usage is governed by the SBI account's current free-transaction schedule; cardless/UPI cash requires a supported ICCW journey.
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.ATM/ADWM economics are a service layer over the underlying SBI account and debit-card variant; the same machine can apply different free counts, limits or charges to Savings, Salary Package, BSBD/KCC and Current Account relationships.
ATM & cash detail

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Type-specific banking comparison terms for AU Small Finance Bank ATM & Cash Services and State Bank of India ATM & Cash Services
Decision factorAU Small Finance Bank ATM & Cash ServicesState Bank of India ATM & Cash Services
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.Current SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance.
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.The dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed.
Withdrawal limitsDaily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.Debit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000.
Cash deposit machineAU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.ADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply.
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.Branch cash-handling and free-deposit/withdrawal rules remain attached to the underlying SBI account tariff; the ADWM waiver does not replace the branch/CBS tariff.
Failed ATM treatmentRBI 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.RBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels.
Charge scopeAlways 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.Always match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

AU Small Finance Bank

AU Small Finance Bank ATM & Cash Services

  • 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.
State Bank of India

State Bank of India ATM & Cash Services

  • SBI's live generic ATM page still describes 3 free other-bank ATM transactions in six metros and 5 elsewhere, while the more specific 1 December 2025 SBI charge notice lists 5 free at all centres for ordinary Savings Bank variants; v1.42 preserves that source conflict and treats the dated charge notice as the pricing anchor.
  • SBI has announced a further Salary Package free-transaction revision effective 1 October 2026. The salary-package ATM field is therefore refresh-gated rather than projected beyond 30 September 2026.
  • ADWM deposit limits and waivers are account-specific; the current-account waiver must not be copied to Savings or other account types.
Research tools

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Independent source state

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AU Small Finance Bank

AU Small Finance Bank ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
2
Open primary bank source ↗
State Bank of India

State Bank of India ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
5
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

AU Small Finance Bank ATM & Cash Services

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.au.bank.in/service-fee
  2. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

State Bank of India ATM & Cash Services

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Issuer product pagehttps://sbi.bank.in/en/web/personal-banking/digital/atm-services
  2. Fee / charge schedulehttps://sbi.bank.in/documents/16012/22770835/NOTICE%2B%2BREVISION%2BIN%2BATM%2B%2BADWM%2BTRANSACTION%2BSERVICE%2BCHARGES.pdf/7c66ae2b-74ba-67cc-dbfa-01725136c709?t=1761913196404
  3. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/waiver-of-adwm-cash-deposit-charges
  4. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/kyc-guidelines/revised-service-charges
  5. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75