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ATM & cash service comparison

State Bank of India ATM & Cash Services vs Bank of Baroda ATM & Cash Recycler Services

Compare State Bank of India ATM & Cash Services and Bank of Baroda ATM & Cash Recycler 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

State Bank of India ATM & Cash Services vs Bank of Baroda ATM & Cash Recycler Services

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

Latest underlying reviewSeptember 10, 2026
State Bank of IndiaState Bank of India ATM & Cash Services

SBI customers who want to understand when an ATM/ADWM transaction is free, how cash-recycler deposits work and which limits belong to the account, debit card or cardless channel.

Cost / pricing
ATM charges depend on account type and channel. SBI's 1 December 2025 notice lists 5 free other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST per cash withdrawal and ₹11 + GST per non-financial transaction. Salary Package accounts were listed at 10 free transactions at all centres under that notice; SBI has separately announced another Salary Package free-transaction revision effective 1 October 2026, so that segment is refresh-gated.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Bank of BarodaBank of Baroda ATM & Cash Recycler Services

Bank of Baroda customers who want unusually explicit ATM pricing and cash-recycler limits, while keeping current-account and branch third-party restrictions separate from savings treatment.

Cost / pricing
Bank of Baroda currently lists 5 free financial + non-financial transactions at BOB ATMs, then ₹10 per financial and ₹5 per non-financial transaction. At other-bank ATMs, Savings debit cards receive 3 free transactions in metros and 5 in non-metros; after that ₹23 financial and ₹11 non-financial. Debit cards linked to Current/OD/CC accounts are charged from the first off-us transaction.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
Compare like with likeThese records share the same product type.
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bankingreference.info · Comparison research sheet

State Bank of India ATM & Cash Services vs Bank of Baroda ATM & Cash Recycler Services

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/sbi-atm-cash-services-vs-bank-of-baroda-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.

State Bank of India ATM & Cash Services

Own-bank ATM
Current SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance.
Other-bank ATM
The dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed.

Bank of Baroda ATM & Cash Recycler Services

Own-bank ATM
5 free BOB ATM financial + non-financial transactions; thereafter ₹10 per financial and ₹5 per non-financial transaction under the current service-charge page.
Other-bank ATM
Savings: 3 free off-us transactions in metros and 5 in non-metros, including non-financial transactions; thereafter ₹23 financial and ₹11 non-financial. Current/OD/CC-linked debit cards are charged from the first off-us transaction.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

State Bank of India ATM & Cash Services

Withdrawal limits
Debit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000.
Cash deposit machine
ADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply.

Bank of Baroda ATM & Cash Recycler Services

Withdrawal limits
BOB Cash Recycler maximum withdrawal per transaction is ₹15,000 for BOB debit cards and ₹10,000 for other-bank debit cards; the daily withdrawal amount still depends on the debit-card variant/account limit.
Cash deposit machine
Cash Recycler card deposit up to ₹2 lakh/day with PAN registered or ₹49,999 without PAN; cardless account-number deposit up to ₹20,000/day. Successful recycler transactions are real-time and a receipt is provided.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

State Bank of India ATM & Cash Services

Charge scope
Always match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date.
Failed ATM treatment
RBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels.

Bank of Baroda ATM & Cash Recycler Services

Charge scope
On-us, off-us, branch and Cash Recycler limits/charges are separate. Account type and card variant must be matched before applying the published figure.
Failed ATM treatment
RBI requires debit-without-cash ATM failures to be reversed within T+5 calendar days, with ₹100/day compensation beyond T+5. BOB ATM/CR transaction details/receipts should be retained for complaint handling.
Other maintained comparisons for State Bank of India ATM & Cash ServicesOther maintained comparisons for Bank of Baroda ATM & Cash Recycler 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 State Bank of India ATM & Cash Services and Bank of Baroda ATM & Cash Recycler Services
Decision factorState Bank of India ATM & Cash ServicesBank of Baroda ATM & Cash Recycler Services
ATM / cash service chargesATM charges depend on account type and channel. SBI's 1 December 2025 notice lists 5 free other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST per cash withdrawal and ₹11 + GST per non-financial transaction. Salary Package accounts were listed at 10 free transactions at all centres under that notice; SBI has separately announced another Salary Package free-transaction revision effective 1 October 2026, so that segment is refresh-gated.Bank of Baroda currently lists 5 free financial + non-financial transactions at BOB ATMs, then ₹10 per financial and ₹5 per non-financial transaction. At other-bank ATMs, Savings debit cards receive 3 free transactions in metros and 5 in non-metros; after that ₹23 financial and ₹11 non-financial. Debit cards linked to Current/OD/CC accounts are charged from the first off-us transaction.
Eligible account / cardRequires the relevant SBI account and, for card-based ATM/ADWM use, an eligible SBI debit card. ATM access does not change the balance, BSBDA, salary-package or current-account rules of the underlying account.Requires the applicable Bank of Baroda account/debit card for card-based access. ATM/CR use does not change underlying Savings, Current, BSBD/FI or card-variant rules.
ATM / cash service coverageSBI ATMs/ADWMs support cash withdrawal and non-financial services; ADWMs also support cash deposits. Current SBI material says all non-financial transactions at SBI ATMs/ADWMs are free, supports UPI QR cash withdrawal and applies additional OTP protection to higher-value SBI-card ATM/ADWM transactions.BOB ATMs support withdrawals and service requests; Cash Recyclers support both real-time cash deposits and withdrawals, including card-based and cardless deposits, and are described as available round the clock/365 days where the machine is operational.
ATM / cash limitsCard-based cash withdrawal remains subject to the debit-card/account limit. SBI's UPI QR Cash facility currently allows up to ₹10,000 per day through at most two ICCW transactions. SBI's current-account ADWM waiver notice lists card-based current-account deposits up to ₹1 lakh per transaction, cardless deposits up to ₹49,900 and specified third-party current-account deposits up to ₹49,900.Cash Recycler deposits with debit card are up to ₹2 lakh/day where PAN is registered and ₹49,999 where PAN is not registered; cardless account-number deposits are up to ₹20,000/day. Withdrawal at a BOB Cash Recycler is up to ₹15,000 per transaction for BOB cards and ₹10,000 for other-bank cards, while the debit-card daily limit still controls total availability.
ATM / cash accessEligible SBI customers according to the underlying account/card and machine/channel. Other-bank ATM usage is governed by the SBI account's current free-transaction schedule; cardless/UPI cash requires a supported ICCW journey.Eligible account/card customers for card-based ATM/CR use; cardless deposits require the correct BOB account number. Savings and current/OD/CC have different off-us fee treatment.
Account / card / channel relationshipATM/ADWM economics are a service layer over the underlying SBI account and debit-card variant; the same machine can apply different free counts, limits or charges to Savings, Salary Package, BSBD/KCC and Current Account relationships.The ATM/recycler is a channel over the underlying account/card. Branch cash transaction counts, outstation withdrawal caps and BSBD/FI exemptions remain account-channel rules rather than ATM limits.
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 State Bank of India ATM & Cash Services and Bank of Baroda ATM & Cash Recycler Services
Decision factorState Bank of India ATM & Cash ServicesBank of Baroda ATM & Cash Recycler Services
Own-bank ATMCurrent SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance.5 free BOB ATM financial + non-financial transactions; thereafter ₹10 per financial and ₹5 per non-financial transaction under the current service-charge page.
Other-bank ATMThe dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed.Savings: 3 free off-us transactions in metros and 5 in non-metros, including non-financial transactions; thereafter ₹23 financial and ₹11 non-financial. Current/OD/CC-linked debit cards are charged from the first off-us transaction.
Withdrawal limitsDebit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000.BOB Cash Recycler maximum withdrawal per transaction is ₹15,000 for BOB debit cards and ₹10,000 for other-bank debit cards; the daily withdrawal amount still depends on the debit-card variant/account limit.
Cash deposit machineADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply.Cash Recycler card deposit up to ₹2 lakh/day with PAN registered or ₹49,999 without PAN; cardless account-number deposit up to ₹20,000/day. Successful recycler transactions are real-time and a receipt is provided.
Branch cashBranch cash-handling and free-deposit/withdrawal rules remain attached to the underlying SBI account tariff; the ADWM waiver does not replace the branch/CBS tariff.Savings branch cash withdrawals beyond the first 5 per month are ₹125/transaction at metro/urban branches and ₹100 at rural/semi-urban branches/senior-citizen/pensioner treatment under the current service-charge page; maximum outstation self withdrawal is ₹50,000/day. BSBD/FI exemptions apply where stated.
Failed ATM treatmentRBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels.RBI requires debit-without-cash ATM failures to be reversed within T+5 calendar days, with ₹100/day compensation beyond T+5. BOB ATM/CR transaction details/receipts should be retained for complaint handling.
Charge scopeAlways match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date.On-us, off-us, branch and Cash Recycler limits/charges are separate. Account type and card variant must be matched before applying the published figure.
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.

State Bank of India

State Bank of India ATM & Cash Services

  • SBI's live generic ATM page still describes 3 free other-bank ATM transactions in six metros and 5 elsewhere, while the more specific 1 December 2025 SBI charge notice lists 5 free at all centres for ordinary Savings Bank variants; v1.42 preserves that source conflict and treats the dated charge notice as the pricing anchor.
  • SBI has announced a further Salary Package free-transaction revision effective 1 October 2026. The salary-package ATM field is therefore refresh-gated rather than projected beyond 30 September 2026.
  • ADWM deposit limits and waivers are account-specific; the current-account waiver must not be copied to Savings or other account types.
Bank of Baroda

Bank of Baroda ATM & Cash Recycler Services

  • Other-bank ATM free transactions apply to Savings treatment; Current/OD/CC cards are charged from the first off-us transaction under the current BOB schedule.
  • Recycler per-transaction/per-day limits are operational ceilings, not a promise that the underlying account/card permits that entire amount or that cash handling is free.
  • BOB has withdrawn inter-SOL cash payments to third parties; do not confuse that branch rule with cardless Cash Recycler deposits into a correctly entered account.
Research tools

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Independent source state

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State Bank of India

State Bank of India ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
5
Open primary bank source ↗
Bank of Baroda

Bank of Baroda ATM & Cash Recycler 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.

State Bank of India ATM & Cash Services

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Issuer product pagehttps://sbi.bank.in/en/web/personal-banking/digital/atm-services
  2. Fee / charge schedulehttps://sbi.bank.in/documents/16012/22770835/NOTICE%2B%2BREVISION%2BIN%2BATM%2B%2BADWM%2BTRANSACTION%2BSERVICE%2BCHARGES.pdf/7c66ae2b-74ba-67cc-dbfa-01725136c709?t=1761913196404
  3. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/waiver-of-adwm-cash-deposit-charges
  4. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/kyc-guidelines/revised-service-charges
  5. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

Bank of Baroda ATM & Cash Recycler Services

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

  1. Fee / charge schedulehttps://bankofbaroda.bank.in/interest-rate-and-service-charges/service-charges
  2. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/other-digital-services/atms-and-kiosks/atms
  3. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/other-digital-services/atms-and-kiosks/cash-recyclers-crs
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75