Skip to content
bankingreference.infoIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
ATM & cash service comparison

IDFC FIRST Bank ATM & Cash Services vs YES BANK ATM & Cash Services

Compare IDFC FIRST Bank ATM & Cash 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

IDFC FIRST Bank ATM & Cash 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
IDFC FIRST BankIDFC FIRST Bank ATM & Cash Services

IDFC FIRST savings customers who value unlimited domestic ATM usage and zero common cash-service charges, provided they remain within the qualifying savings-account proposition and card limits.

Cost / pricing
IDFC FIRST currently markets qualifying ₹10,000/₹25,000 AMB Savings Accounts with zero charges on commonly used services including domestic ATM transactions, branch cash deposits/withdrawals, third-party/non-home branch cash and cash deposit at ATM, subject to maintaining the qualifying account conditions.
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.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

IDFC FIRST Bank ATM & Cash Services vs YES BANK ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/idfc-first-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.

IDFC FIRST Bank ATM & Cash Services

Own-bank ATM
Qualifying mainstream Savings Accounts advertise free and unlimited ATM transactions at IDFC FIRST Bank ATMs in India.
Other-bank ATM
The current mainstream Savings Account proposition advertises free and unlimited ATM transactions at any bank, anywhere in India for the ₹10K Visa Classic and ₹25K World Debit Mastercard variants.

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.

IDFC FIRST Bank ATM & Cash Services

Withdrawal limits
₹10K AMB Visa Classic: ₹1 lakh daily ATM cash withdrawal. ₹25K AMB World Debit Mastercard: ₹2 lakh daily ATM cash withdrawal. Card/account/risk controls remain applicable.
Cash deposit machine
IDFC FIRST lists cash deposit at ATM among its zero-charge savings services. The reviewed current material does not establish one universal machine value/note ceiling, so none is inferred.

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.

IDFC FIRST Bank ATM & Cash Services

Charge scope
Zero-fee treatment is proposition-specific. Apply it only to the qualifying account/card relationship and keep BSBDA/NRI/salary/business or future tariff changes separately sourced.
Failed ATM treatment
RBI T+5 calendar-day reversal and ₹100/day delayed-compensation standard applies to debit-without-cash ATM failures; the card-issuing bank remains the complaint point.

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 IDFC FIRST Bank ATM & Cash ServicesOther maintained comparisons for YES BANK ATM & Cash Services
Exact terms

Put the controlling banking fields side by side.

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

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Banking product terms side by side for IDFC FIRST Bank ATM & Cash Services and YES BANK ATM & Cash Services
Decision factorIDFC FIRST Bank ATM & Cash ServicesYES BANK ATM & Cash Services
ATM / cash service chargesIDFC FIRST currently markets qualifying ₹10,000/₹25,000 AMB Savings Accounts with zero charges on commonly used services including domestic ATM transactions, branch cash deposits/withdrawals, third-party/non-home branch cash and cash deposit at ATM, subject to maintaining the qualifying account conditions.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 / cardThe zero-fee savings treatment is tied to the qualifying ₹10,000/₹25,000 AMB Savings Account proposition; BSBDA, NRI, salary, current-account and other schemes can have their own operating rules even when some services are also free.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 coverageQualifying mainstream Savings Accounts currently receive free and unlimited ATM transactions at any bank in India plus zero common branch/cash-deposit service charges under the bank's zero-fee proposition.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 limitsThe World Debit Mastercard linked to the ₹25,000 AMB Savings Account currently lists a ₹2 lakh daily ATM withdrawal limit; the Visa Classic linked to the ₹10,000 AMB variant lists ₹1 lakh/day. Free ATM usage does not override those card cash ceilings.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 IDFC FIRST savings customers meeting the current account/KYC and AMB conditions. Debit-card tier and cash-withdrawal limit depend on the selected/linked savings variant.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 relationshipThe ATM/cash service is free-pricing layered over specific Savings Accounts and debit cards; card-tier cash limits remain separate from the zero-fee transaction promise.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.

On a small screen, scroll this table sideways. The decision-factor column stays visible while you compare both products.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Type-specific banking comparison terms for IDFC FIRST Bank ATM & Cash Services and YES BANK ATM & Cash Services
Decision factorIDFC FIRST Bank ATM & Cash ServicesYES BANK ATM & Cash Services
Own-bank ATMQualifying mainstream Savings Accounts advertise free and unlimited ATM transactions at IDFC FIRST Bank ATMs in India.Financial and non-financial transactions at YES BANK ATMs are listed among free services in the current savings schedule.
Other-bank ATMThe current mainstream Savings Account proposition advertises free and unlimited ATM transactions at any bank, anywhere in India for the ₹10K Visa Classic and ₹25K World Debit Mastercard variants.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 limits₹10K AMB Visa Classic: ₹1 lakh daily ATM cash withdrawal. ₹25K AMB World Debit Mastercard: ₹2 lakh daily ATM cash withdrawal. Card/account/risk controls remain applicable.The linked YES BANK debit-card/account limit controls the daily cash amount. ATM free counts determine pricing only.
Cash deposit machineIDFC FIRST lists cash deposit at ATM among its zero-charge savings services. The reviewed current material does not establish one universal machine value/note ceiling, so none is inferred.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 cashThe bank's zero-fee savings material lists branch cash deposit and withdrawal—by number and by value—as zero charge for qualifying customers.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 T+5 calendar-day reversal and ₹100/day delayed-compensation standard applies to debit-without-cash ATM failures; the card-issuing bank remains the complaint point.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 scopeZero-fee treatment is proposition-specific. Apply it only to the qualifying account/card relationship and keep BSBDA/NRI/salary/business or future tariff changes separately sourced.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.

IDFC FIRST Bank

IDFC FIRST Bank ATM & Cash Services

  • IDFC FIRST's zero-fee promise is not a statement that cash amounts are unlimited; debit-card daily ATM limits and regulatory/account controls still apply.
  • The bank states the zero-fee savings package is subject to the qualifying ₹10,000/₹25,000 AMB structure; different account types should not automatically inherit it.
  • A zero charge for cash deposit at ATM does not establish a universal machine note/value ceiling; machine/operational limits should be checked at the point of use.
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

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

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.

IDFC FIRST Bank ATM & Cash Services

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

  1. Issuer product pagehttps://www.idfcfirstbank.com/personal-banking/accounts/savings-account
  2. Issuer documenthttps://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/Customer-25-Special-Features-Booklet-V8.pdf
  3. Fee / charge schedulehttps://www.idfcfirstbank.com/finfirst-blogs/savings-account/understanding-consolidated-charges/amp
  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