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ATM & cash service comparison

YES BANK ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

Compare YES BANK ATM & Cash Services and AU Small Finance 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

YES BANK ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

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

Latest underlying reviewSeptember 10, 2026
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
AU Small Finance BankAU Small Finance Bank ATM & Cash Services

AU customers comparing ATM and cash usage who need their exact account tier matched because own-bank free counts and monthly cash-deposit allowances vary across AU schemes.

Cost / pricing
AU's current service-fee schedules show post-free domestic ATM charges of ₹23 financial and ₹10 non-financial. Depending on the account scheme, own-bank monthly free counts can be 5, 10 or 20 and other-bank domestic free usage commonly 5. Cash-deposit allowances are product-specific, with reviewed schedules showing examples such as 5 transactions or ₹2 lakh/month, whichever is earlier, then ₹5 per ₹1,000 with ₹100 minimum.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
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bankingreference.info · Comparison research sheet

YES BANK ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

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

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.

AU Small Finance Bank ATM & Cash Services

Own-bank ATM
Current AU product tables show scheme-dependent own-bank allowances such as 5, 10 or 20 free monthly transactions before ₹23 financial pricing; exact account schedule controls.
Other-bank ATM
Current AU schedules commonly show 5 free domestic non-AU ATM transactions before ₹23 financial and ₹10 non-financial pricing; scheme-specific exceptions must be checked.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

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.

AU Small Finance Bank ATM & Cash Services

Withdrawal limits
Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machine
AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

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.

AU Small Finance Bank ATM & Cash Services

Charge scope
Always match the AU account variant. Branch/ATM/CDM/AEPS cash deposits share the cash-deposit counter, while ATM withdrawal free counts and card daily withdrawal limits remain separate.
Failed ATM treatment
RBI requires T+5 calendar-day reversal when an ATM transaction debits the account without dispensing cash, with ₹100/day compensation beyond T+5; use the issuing-bank complaint route.
Other maintained comparisons for YES BANK ATM & Cash ServicesOther maintained comparisons for AU Small Finance Bank ATM & Cash Services
Exact terms

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Banking product terms side by side for YES BANK ATM & Cash Services and AU Small Finance Bank ATM & Cash Services
Decision factorYES BANK ATM & Cash ServicesAU Small Finance Bank ATM & Cash Services
ATM / cash service chargesThe 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.AU's current service-fee schedules show post-free domestic ATM charges of ₹23 financial and ₹10 non-financial. Depending on the account scheme, own-bank monthly free counts can be 5, 10 or 20 and other-bank domestic free usage commonly 5. Cash-deposit allowances are product-specific, with reviewed schedules showing examples such as 5 transactions or ₹2 lakh/month, whichever is earlier, then ₹5 per ₹1,000 with ₹100 minimum.
Eligible account / cardATM/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 benefits vary by AU account proposition and relationship balance. The current schedule is explicitly product/variant-based; no universal AU own-bank free count is inferred.
ATM / cash service coverageYES 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.AU supports branch and ATM/CDM cash deposits, with current schedules aggregating Branch, ATM/CDM and AEPS cash deposits when determining the cash-deposit charge entitlement.
ATM / cash limitsThe 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.The debit-card variant controls daily withdrawal value. The service-fee schedule's free ATM count and monthly cash-deposit allowance are pricing counters, not card cash ceilings.
ATM / cash accessEligible YES BANK savings/debit-card customers. Senior-citizen service-charge waivers and product-specific variants have separate exceptions under the current schedule.Eligible AU account/debit-card customers. Product tier, card variant and account relationship determine the applicable ATM/cash rules.
Account / card / channel relationshipBank-level ATM/cash profile over variant-specific Savings schedules; maintaining the product's balance/relationship can determine whether stated free privileges continue.ATM/CDM and branch cash usage are tied to the account's service-fee schedule; AU explicitly aggregates cash deposits across Branch, ATM/CDM and AEPS for charging purposes.
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 YES BANK ATM & Cash Services and AU Small Finance Bank ATM & Cash Services
Decision factorYES BANK ATM & Cash ServicesAU Small Finance Bank ATM & Cash Services
Own-bank ATMFinancial and non-financial transactions at YES BANK ATMs are listed among free services in the current savings schedule.Current AU product tables show scheme-dependent own-bank allowances such as 5, 10 or 20 free monthly transactions before ₹23 financial pricing; exact account schedule controls.
Other-bank ATMFirst 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.Current AU schedules commonly show 5 free domestic non-AU ATM transactions before ₹23 financial and ₹10 non-financial pricing; scheme-specific exceptions must be checked.
Withdrawal limitsThe linked YES BANK debit-card/account limit controls the daily cash amount. ATM free counts determine pricing only.Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machineNo 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.AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
Branch cashThe 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.One current mainstream schedule example gives 5 cash-deposit transactions or ₹2 lakh/month free, whichever is earlier, followed by ₹5 per ₹1,000 with ₹100 minimum. Other AU schemes publish different allowances and must be matched individually.
Failed ATM treatmentRBI 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.RBI requires T+5 calendar-day reversal when an ATM transaction debits the account without dispensing cash, with ₹100/day compensation beyond T+5; use the issuing-bank complaint route.
Charge scopeAccount 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.Always match the AU account variant. Branch/ATM/CDM/AEPS cash deposits share the cash-deposit counter, while ATM withdrawal free counts and card daily withdrawal limits remain separate.
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.

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.
AU Small Finance Bank

AU Small Finance Bank ATM & Cash Services

  • AU's own-bank ATM free allowance varies by account scheme—current tables show different 5/10/20 transaction treatments—so a single bankwide number would be misleading.
  • Cash deposits across Branch, ATM/CDM and AEPS are aggregated for cash-deposit charging; customers cannot treat each channel as a separate free allowance.
  • The service-fee page contains many product tables; the exact account variant must be matched before applying cash-deposit counts/value or debit-card fee treatment.
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.

AU Small Finance Bank

AU Small Finance Bank ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
2
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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.

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

AU Small Finance Bank ATM & Cash Services

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.au.bank.in/service-fee
  2. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75