Compare Federal Bank Transaction Limits and YES BANK Transaction Limits using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Federal Bank customers who need to distinguish their FedNet limit scheme, FedMobile customer-set limit, UPI first-use state and card variant.
YES BANK customers who need to distinguish current rail-specific limits from older live YES ONLINE documentation and card/account-specific controls.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/federal-bank-banking-transaction-limits-vs-yes-bank-banking-transaction-limits/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
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.
Source review: September 10, 2026
Maintenance: Source recheck advised
9 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
Source review: September 10, 2026
Maintenance: Source recheck advised
9 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Federal Bank Transaction Limits | YES BANK Transaction Limits |
|---|---|---|
| Fee separation | Limits are not charges. Transfer, ATM and cash-handling pricing remains in the Banking Fees & Charges and ATM/Cash layers. | Limits are not fees. Transfer/card/ATM pricing and programme waivers remain in the Banking Fees & Charges layer. |
| Product / channel scope | FedNet/FedMobile limits depend on limit scheme, account/programme and customer-set controls; Celesta/premium limits cannot be generalized to Base/Standard customers. | YES BANK limits are customer-, product-, channel- and card-specific; YES FIRST/Premia/Prosperity/Digital account limits cannot be generalized bankwide. |
| Normalized limit coverage | One dated overlay for current FedNet slab limits, adjustable FedMobile controls, UPI security states and card/cash limits. | Keeps current IMPS and UPI maxima, customer-managed card controls, Digital Savings restrictions and legacy/live source conflicts in one normalized overlay. |
| Current transaction controls | FedNet's current scheme ranges from ₹1 lakh/day Base Net to ₹1 crore/day Celesta overall, while FedMobile's default mobile limit is ₹10 lakh with premium maxima up to ₹20 lakh and staged cooling for increases. | Current YES BANK IMPS page states ₹5 lakh per transaction, ordinary YES Pay Next UPI is ₹1 lakh/day with up to 20 transactions, while customer/bank daily controls and exact debit-card maxima remain separate. |
| Who / what the limits apply to | Eligible Federal Bank customers using the exact FedNet/FedMobile/UPI/card scheme named by each row. | Only applies to the exact YES BANK account/card/channel and customer security state named in each row. |
| Product / channel / security-state relationship | Research overlay; the underlying programme/card/account remains authoritative for qualification and fee treatment. | Research overlay; underlying account, card, transfer and UPI service terms remain controlling. |
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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| Decision factor | Federal Bank Transaction Limits | YES BANK Transaction Limits |
|---|---|---|
| Digital aggregate | FedNet overall daily limits range ₹1 lakh Base Net to ₹1 crore Celesta; FedMobile default mobile limit is ₹10 lakh with premium maximum up to ₹20 lakh. | YES BANK exposes customer-set and bank-enforced transaction limits by channel; an older live user guide illustrates a ₹25 lakh Internet Banking clubbed bank-provided limit, retained as historical/live context rather than a universal 2026 promise. |
| UPI | Ordinary UPI maximum ₹1 lakh in a 24-hour cycle with up to 10 P2P transactions/account; verified merchants up to ₹2 lakh and specified IPO/Retail Direct categories up to ₹5 lakh. | YES Pay Next ordinary flow: up to 20 UPI transactions aggregating to ₹1 lakh/day; new registration/device switch is limited to ₹5,000 for the first 24 hours. |
| Bank transfers | FedNet NEFT/RTGS up to ₹10 lakh is available 24x7 subject to the client's set limit; enhanced amounts use designated working-day windows. FedMobile beneficiary IMPS is constrained by the user's Mobile Banking Limit. | Current public IMPS page says ₹5 lakh per transaction; older YES ONLINE FAQ says ₹2 lakh and subjects NEFT/IMPS to the lower of customer-set or bank-enforced daily limit. RTGS minimum ₹2 lakh. |
| Beneficiary cooling | FedNet beneficiary activation can depend on 2FA form factor; FedMobile limit increases have 24-hour cooling up to the ₹10 lakh default and 48-hour cooling above the default with debit-card 2FA. | No universal current beneficiary cooling duration is established in reviewed YES BANK material; customer and recipient limits remain channel-specific. |
| Debit card | Current Celesta material: ₹1 lakh ATM/₹6 lakh shopping daily; Crown Contactless: ₹50,000 ATM/₹3 lakh shopping with ₹3.5 lakh total. | Current debit-card catalogue shows card-specific maxima, e.g. Prosperity Sleek ₹30,000 ATM/₹1 lakh purchase; Digital Savings variants publish ₹30,000/₹1 lakh or ₹50,000/₹1.5 lakh domestic ATM/POS depending on account variant. |
| ATM / cash | Card withdrawal amount is variant-specific; ATM free-usage pricing is separate. Cash Machine note-count limits are machine controls, not card daily limits. | Daily ATM cash ceiling is card/account-specific, distinct from off-us free-count pricing. New/reissued cards start with only domestic ATM/POS enabled until other channels are activated. |
| Cash deposit | Federal Savings cash handling is scheme-scoped: five cash transactions or ₹5 lakh/month free under the reviewed tariff, with CDM deposits accepting up to 200 notes per transaction; this is not one universal rupee machine ceiling. | No single current bankwide cash-deposit machine ceiling is established by the reviewed YES BANK sources; account tariff and branch/CDM controls remain product-specific. |
| Effective-date logic | FedNet slab revamp is explicitly effective 10 December 2025; current FedMobile/UPI/card pages reviewed 10 September 2026 are stored separately. | Current 2026 YES BANK pages are primary; older live PDFs are preserved as source-scoped legacy/conflict evidence when they disagree or lack a current-date control. |
| Conflicts / scope cautions | Live Online Tax Payment copy says ₹30,000/day, conflicting with the newer FedNet revamp's ₹3 crore/day tax-payment limit. The newer dated revamp is primary but the older live page remains visible as conflict debt. | IMPS is ₹5 lakh per transaction on current product pages versus ₹2 lakh in an older live YES ONLINE FAQ. The older ₹25 lakh clubbed-limit illustration is not treated as a universal current ceiling. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.
One side's source depth or freshness never fills a gap in the other record.
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.
Reviewed September 10, 2026 · 9 attached first-party sources
Reviewed September 10, 2026 · 9 attached first-party sources