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ATM & cash service comparison

Kotak Mahindra Bank ATM & Cash Services vs Federal Bank ATM & Cash Machine Services

Compare Kotak Mahindra Bank ATM & Cash Services and Federal Bank ATM & Cash Machine 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

Kotak Mahindra Bank ATM & Cash Services vs Federal Bank ATM & Cash Machine Services

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

Latest underlying reviewSeptember 10, 2026
Kotak Mahindra BankKotak Mahindra Bank ATM & Cash Services

Kotak customers comparing everyday ATM access and branch/CDM cash usage who need the exact savings-account variant matched before applying a free-count or cash-handling figure.

Cost / pricing
Kotak's current Everyday Savings fee table shows ₹23 per financial and ₹10 per non-financial transaction after the applicable free ATM allowance. Branch/CDM cash transactions are free up to 3 transactions or ₹1 lakh per month, whichever is earlier, then ₹5 per ₹1,000 with a ₹150 minimum; third-party cash has a separate ₹25,000 monthly free amount before the same ₹5 per ₹1,000 / ₹150-minimum pricing.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
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
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

Kotak Mahindra Bank ATM & Cash Services vs Federal Bank ATM & Cash Machine Services

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

Kotak Mahindra Bank ATM & Cash Services

Own-bank ATM
Current Everyday material shows a live wording conflict around the 7-free own-bank allowance: the main fees table says 7 free financial transactions with non-financial transactions free, while a specific basic-service page says 7 free financial + non-financial transactions; post-free pricing is ₹23 financial / ₹10 non-financial where applicable.
Other-bank ATM
Current Everyday schedule: 7 free domestic non-Kotak transactions per month (financial + non-financial), then ₹23 financial and ₹10 non-financial. Other Kotak schemes can publish different or larger allowances, so the account schedule must be matched.

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.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

Kotak Mahindra Bank ATM & Cash Services

Withdrawal limits
Daily cash amount is controlled by the linked debit-card/account limit. The monthly free-transaction allowance only determines pricing and does not raise the card's daily withdrawal ceiling.
Cash deposit machine
Branch/CDM cash deposits and withdrawals are combined for the current Everyday cash-transaction entitlement: free up to 3 transactions or ₹1 lakh/month, whichever is earlier; thereafter ₹5 per ₹1,000, minimum ₹150.

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.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

Kotak Mahindra Bank ATM & Cash Services

Charge scope
Always match the exact Kotak account variant. ATM free counts, post-free charges, branch/CDM cash handling and third-party cash have different counters and should not be merged.
Failed ATM treatment
RBI's current failed-ATM framework requires reversal within T+5 calendar days when the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5; complaint should be raised with the card-issuing bank.

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.
Other maintained comparisons for Kotak Mahindra Bank ATM & Cash ServicesOther maintained comparisons for Federal Bank ATM & Cash Machine 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 Kotak Mahindra Bank ATM & Cash Services and Federal Bank ATM & Cash Machine Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesFederal Bank ATM & Cash Machine Services
ATM / cash service chargesKotak's current Everyday Savings fee table shows ₹23 per financial and ₹10 per non-financial transaction after the applicable free ATM allowance. Branch/CDM cash transactions are free up to 3 transactions or ₹1 lakh per month, whichever is earlier, then ₹5 per ₹1,000 with a ₹150 minimum; third-party cash has a separate ₹25,000 monthly free amount before the same ₹5 per ₹1,000 / ₹150-minimum 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.
Eligible account / cardATM/cash economics depend on the linked Kotak account variant. Everyday, Classic, Pro, salary and other schemes publish different free allowances; the ATM service itself does not replace the account's AMB or relationship rules.Off-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 service coverageKotak ATMs support cash/non-cash services and current savings schedules include cardless cash withdrawal. Branch and CDM cash usage is integrated into the account's monthly cash-transaction entitlement rather than treated as a separate unlimited allowance.Federal 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.
ATM / cash limitsThe linked debit-card variant controls the daily cash-withdrawal ceiling. Current savings schedules separately control monthly ATM free counts and branch/CDM cash entitlements; these are not interchangeable limits.Cash 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.
ATM / cash accessEligible Kotak account/debit-card customers. Cardless withdrawal and third-party cash remain subject to the channel, account, KYC and current product schedule.Eligible 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.
Account / card / channel relationshipBank-level ATM/cash profile over account-specific schedules: Everyday and other Kotak variants can have materially different own/off-us allowances, so no single universal Kotak free count is inferred.ATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.
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 Kotak Mahindra Bank ATM & Cash Services and Federal Bank ATM & Cash Machine Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesFederal Bank ATM & Cash Machine Services
Own-bank ATMCurrent Everyday material shows a live wording conflict around the 7-free own-bank allowance: the main fees table says 7 free financial transactions with non-financial transactions free, while a specific basic-service page says 7 free financial + non-financial transactions; post-free pricing is ₹23 financial / ₹10 non-financial where applicable.Federal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.
Other-bank ATMCurrent Everyday schedule: 7 free domestic non-Kotak transactions per month (financial + non-financial), then ₹23 financial and ₹10 non-financial. Other Kotak schemes can publish different or larger allowances, so the account schedule must be matched.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.
Withdrawal limitsDaily cash amount is controlled by the linked debit-card/account limit. The monthly free-transaction allowance only determines pricing and does not raise the card's daily withdrawal ceiling.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 machineBranch/CDM cash deposits and withdrawals are combined for the current Everyday cash-transaction entitlement: free up to 3 transactions or ₹1 lakh/month, whichever is earlier; thereafter ₹5 per ₹1,000, minimum ₹150.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.
Branch cashCurrent Everyday branch/CDM cash transactions share the 3-transaction/₹1 lakh monthly free entitlement. Branch NEFT/RTGS and other branch services are separate tariffs and are not counted as ATM/cash limits.Savings: 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.
Failed ATM treatmentRBI's current failed-ATM framework requires reversal within T+5 calendar days when the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5; complaint should be raised with the card-issuing bank.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.
Charge scopeAlways match the exact Kotak account variant. ATM free counts, post-free charges, branch/CDM cash handling and third-party cash have different counters and should not be merged.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.
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.

Kotak Mahindra Bank

Kotak Mahindra Bank ATM & Cash Services

  • Kotak's current Everyday fee pages contain a live wording difference: one current table describes 7 free own-bank financial transactions with non-financial transactions remaining free, while another current Everyday basic-service page describes 7 free financial + non-financial transactions. The engine preserves the conflict.
  • Classic/Pro and other Kotak accounts can publish much larger combined free ATM allowances than Everyday; never apply one scheme's count to another.
  • The branch/CDM cash free allowance and third-party cash allowance are separate from the debit card's daily ATM withdrawal ceiling.
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.
Research tools

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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.

Kotak Mahindra Bank

Kotak Mahindra Bank ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
4
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.

Kotak Mahindra Bank ATM & Cash Services

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

  1. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges.html
  2. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges/everyday-savings-account/basic-service-fees.html
  3. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges/classic-savings-account/basic-service-fees.html
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

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