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ATM & cash service comparison

Federal Bank ATM & Cash Machine Services vs YES BANK ATM & Cash Services

Compare Federal Bank ATM & Cash Machine Services and YES BANK 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

Federal Bank ATM & Cash Machine Services vs YES BANK ATM & Cash Services

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

Latest underlying reviewSeptember 10, 2026
Federal BankFederal Bank ATM & Cash Machine Services

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.

Cost / pricing
Federal 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.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
YES BANKYES BANK ATM & Cash Services

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.

Cost / pricing
The 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.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

Federal Bank ATM & Cash Machine Services vs YES BANK ATM & Cash Services

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

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

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

Federal Bank ATM & Cash Machine Services

Own-bank ATM
Federal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.
Other-bank ATM
After 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.

YES BANK ATM & Cash Services

Own-bank ATM
Financial and non-financial transactions at YES BANK ATMs are listed among free services in the current savings schedule.
Other-bank ATM
First 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.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

Federal Bank ATM & Cash Machine Services

Withdrawal limits
ATM-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 deposit machine
Federal 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.

YES BANK ATM & Cash Services

Withdrawal limits
The linked YES BANK debit-card/account limit controls the daily cash amount. ATM free counts determine pricing only.
Cash deposit machine
No 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.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

Federal Bank ATM & Cash Machine Services

Charge scope
Do 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.
Failed ATM treatment
RBI'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.

YES BANK ATM & Cash Services

Charge scope
Account 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.
Failed ATM treatment
RBI 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.
Other maintained comparisons for Federal Bank ATM & Cash Machine ServicesOther maintained comparisons for YES BANK ATM & Cash Services
Exact terms

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The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for Federal Bank ATM & Cash Machine Services and YES BANK ATM & Cash Services
Decision factorFederal Bank ATM & Cash Machine ServicesYES BANK ATM & Cash Services
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.The 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 / 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 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 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.YES 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 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.The 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 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.Eligible 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 relationshipATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.Bank-level ATM/cash profile over variant-specific Savings schedules; maintaining the product's balance/relationship can determine whether stated free privileges continue.
ATM & cash detail

Compare free counts, cash limits and failure handling.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for Federal Bank ATM & Cash Machine Services and YES BANK ATM & Cash Services
Decision factorFederal Bank ATM & Cash Machine ServicesYES BANK ATM & Cash Services
Own-bank ATMFederal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.Financial and non-financial transactions at YES BANK ATMs are listed among free services in the current savings schedule.
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.First 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 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.The linked YES BANK debit-card/account limit controls the daily cash amount. ATM free counts determine pricing only.
Cash deposit machineFederal 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.No 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 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.The 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.
Failed ATM treatmentRBI'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.RBI 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.
Charge scopeDo 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.Account 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.
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.

Federal Bank

Federal Bank ATM & Cash Machine Services

  • 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.
YES BANK

YES BANK ATM & Cash Services

  • 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.
Research tools

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Independent source state

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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.

Federal Bank ATM & Cash Machine Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Issuer product pagehttps://www.federal.bank.in/debitcardrates
  2. Fee / charge schedulehttps://www.federal.bank.in/documents/d/guest/service-charges-and-fees-fy26-2-
  3. Issuer product pagehttps://www.federal.bank.in/atm-services
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

YES BANK ATM & Cash Services

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

  1. Fee / charge schedulehttps://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT4370F904BE6E448698CCCF4F5A3E6FE1/native/savings_account_soc_01st_october_2025.pdf%3Fdownload%3Dfalse
  2. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75