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ATM & cash service comparison

Kotak Mahindra Bank ATM & Cash Services vs IDFC FIRST Bank ATM & Cash Services

Compare Kotak Mahindra Bank ATM & Cash Services and IDFC FIRST 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

Kotak Mahindra Bank ATM & Cash Services vs IDFC FIRST Bank ATM & Cash 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
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
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

Kotak Mahindra Bank ATM & Cash Services vs IDFC FIRST Bank ATM & Cash Services

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

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.
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.

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.
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.

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.
Other maintained comparisons for Kotak Mahindra Bank ATM & Cash ServicesOther maintained comparisons for IDFC FIRST 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 Kotak Mahindra Bank ATM & Cash Services and IDFC FIRST Bank ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesIDFC FIRST Bank ATM & Cash 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.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.
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.The 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 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.Qualifying 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.
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.The 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.
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 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.
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.The 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.
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 IDFC FIRST Bank ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesIDFC FIRST Bank ATM & Cash 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.Qualifying mainstream Savings Accounts advertise free and unlimited ATM transactions at IDFC FIRST Bank ATMs in India.
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.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.
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.₹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 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.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.
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.The bank's zero-fee savings material lists branch cash deposit and withdrawal—by number and by value—as zero charge for qualifying customers.
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 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.
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.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.
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.
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.
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

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