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ATM & cash service comparison

Kotak Mahindra Bank ATM & Cash Services vs YES BANK ATM & Cash Services

Compare Kotak Mahindra 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

Kotak Mahindra 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
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
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

Kotak Mahindra Bank ATM & Cash Services vs YES BANK ATM & Cash Services

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

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.

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.

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.

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.

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.

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 Kotak Mahindra Bank ATM & Cash 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 Kotak Mahindra Bank ATM & Cash Services and YES BANK ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesYES 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.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 / 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.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 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.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 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 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 Kotak account/debit-card customers. Cardless withdrawal and third-party cash remain subject to the channel, account, KYC and current product schedule.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 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.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 Kotak Mahindra Bank ATM & Cash Services and YES BANK ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesYES 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.Financial and non-financial transactions at YES BANK ATMs are listed among free services in the current savings schedule.
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.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 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.The linked YES BANK debit-card/account limit controls the daily cash amount. ATM free counts determine pricing only.
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.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 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 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 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; lodge complaint with the card-issuing bank.
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.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.

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.
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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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

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