SBI (State Bank of India) offers multiple ways to withdraw cash, including ATMs, bank branches, UPI, YONO Cash, and QR cash withdrawals. However, each method has a specific SBI cash withdrawal limit based on the type of debit card and transaction mode. Understanding these SBI cash withdrawal limits helps customers manage their funds efficiently while avoiding extra charges.
In this guide, we will cover the SBI cash withdrawal limit per day, categorized by card type, without OTP, at branches, as well as the withdrawal limits for YONO Cash, QR Cash, and UPI. We will also discuss the monthly SBI cash withdrawal limit and applicable charges for various SBI banking methods. Let’s get started without further ado!
Table of contents
- What is SBI Cash Withdrawal Limit?
- Types of SBI Cash Withdrawal
- SBI Cash Withdrawal Limit for ATM: Card-Wise
- SBI Cash Withdrawal Limit Without OTP
- SBI Cash Withdrawal Limit at Branches
- SBI Cash Withdrawal Limit for YONO Cash & QR Cash
- SBI Cash Withdrawal Limit With UPI
- SBI Cash Withdrawal Limit for Merchant and Bill Payments
- SBI Cash Withdrawal Limit for Newly Added Beneficiary
- How to Increase Your SBI ATM Withdrawal Limit?
- FAQs on SBI Cash Withdrawal Limit
What is SBI Cash Withdrawal Limit?
The State Bank of India (SBI) has established specific cash withdrawal limits for its customers. This is done to enhance security and mitigate the risks associated with unauthorized access to funds.
By imposing SBI cash withdrawal limit, the bank aims to prevent fraudulent activities, as transactions above a certain threshold require additional verification through One-Time Passwords (OTPs) sent to the customer’s registered mobile number.
This mechanism ensures that only authorized individuals can withdraw significant amounts of cash, thereby reducing the potential for financial losses due to theft, fraud or card skimming. Additionally, these SBI cash withdrawal limits encourage customers to adopt digital payment methods, which are often more secure and efficient than cash transactions.
Here’s a table giving an overview of SBI cash withdrawal limits-
| SBI Cash Withdrawal Method | SBI Cash Withdrawal Limit |
| SBI ATM Cash Withdrawal Limit | INR 40,000 to INR 1,00,000 |
| SBI Cash Withdrawal Limit without OTP | Up to INR 10,000 |
| SBI Cash Withdrawal Limit at Branch | INR 5,000 to INR 1,00,000 per day |
| SBI Cash Withdrawal Limit for YONO Cash & QR Cash | INR 20,000 and INR 4000 respectively |
| SBI Cash Withdrawal Limit With UPI | INR 1,00,000 |
| SBI Cash Withdrawal Limit for Merchant and Bill Payments | INR 50,000 to INR 5,00,000 |
| SBI Cash Withdrawal Limit for Newly Added Beneficiary | INR 5,00,000 |
Types of SBI Cash Withdrawal
State Bank of India (SBI) offers multiple ways to withdraw cash, catering to different customer needs. These include the withdrawals via ATM, branch. YONO Cash, QR withdrawals, POS terminals, etc. Below are the main types of SBI cash withdrawal methods:
| Withdrawal Method | Description |
| SBI ATM Cash Withdrawal | Withdraw cash using SBI debit cards at ATMs. |
| SBI Branch Cash Withdrawal | Withdraw cash at SBI branches using a withdrawal slip or cheque. |
| YONO Cash Withdrawal | Use the YONO app to withdraw cash from ATMs without a debit card. |
| QR Cash Withdrawal | Scan a QR code via the YONO app at SBI ATMs for secure, card-less withdrawal. |
| UPI Cash Withdrawal | Withdraw cash from UPI-enabled ATMs without using a debit card. |
| Micro ATM Withdrawal | Withdraw cash in rural or remote areas via Micro ATMs using Aadhaar authentication or a debit card. |
| Cash Withdrawal at POS Terminals | Withdraw cash from select merchant POS terminals using an SBI debit card. |
Each type of SBI cash withdrawal method comes with its own set of limits and security features, offering both flexibility and convenience to SBI customers.
Let’s explore these SBI cash withdrawal limits in detail, one by one, to help you understand how much you can withdraw using different methods and the associated security measures.
Also Read: Discover What are the savings account cash withdrawal limits and how it can impact your financial situation. Learn how to effectively manage your savings and avoid restrictions.
SBI Cash Withdrawal Limit for ATM: Card-Wise
The SBI Cash withdrawal limit for ATMs varies depending on the type of debit card a customer holds. SBI offers a selection of seven different debit cards, each with its own specific withdrawal limit. SBI ATM cash withdrawal limit can range from INR 20,000 to INR 1,00,000 per day, depending on the card type.
Understanding the SBI Cash Withdrawal Limit for ATM based on your card type allows you to manage your withdrawals more effectively and ensure seamless access to funds when needed. The daily SBI cash withdrawal limit depends on the type of debit card you use. Below is a table detailing the limits for different SBI cards:
| SBI Debit Card Type | Daily Withdrawal Limit (INR) |
| SBI Classic & Maestro Debit Card | 40,000 |
| SBI Global International Debit Card | 40,000 |
| SBI Gold International Debit Card | 50,000 |
| SBI Platinum International Debit Card | 1,00,000 |
| SBI My Card International Debit Card | 40,000 |
| sbiINTOUCH Tap & Go Debit Card | 40,000 |
| SBI Mumbai Metro Combo Card | 40,000 |
Important Notes:
- The minimum SBI ATM withdrawal limit in a day is INR 100.
- SBI customers can change their withdrawal limit via Internet Banking or the YONO app.
- ATM transactions above INR 10,000 require OTP verification for added security.
- The default withdrawal limit for all new SBI debit cards is INR 40,000 unless modified by the customer.
SBI Cash Withdrawal Limit Without OTP
SBI allows customers to withdraw up to INR 10,000 per transaction without OTP verification at ATMs under the SBI cash withdrawal limit without OTP. However, for transactions above INR 10,000, an OTP is sent to the customer’s registered mobile number, ensuring secure transactions.
How does OTP Verification Work?
- Enter your debit card in the ATM machine.
- Select your type of account.
- Select the cash withdrawal option.
- Enter the withdrawal amount which is up to INR 10,000.
(if above INR 10,000, OTP will be sent to your mobile number).
- Else enter pin to complete the transaction.
- Collect your cash and receipt.
SBI Cash Withdrawal Limit at Branches
For in-person withdrawals at SBI branches, the limits are higher compared to ATMs. The table outlines the SBI cash withdrawal limits at branches, based on different segments and account types, including specific rules for third-party payments and other restrictions.
| Segment/Account Type | Withdrawal Limit | Other Details |
| ‘P’ Segment- Self-Payment – Withdrawal with Savings Passbook – Super Senior Citizens (80+ years) | – INR 50,000 per day – INR 5,000 per day for self – INR 10,000 for third-party payments | – No cash payment to third parties. – Requires withdrawal form and passbook. – NA |
| SME Segment | INR 1,00,000 per day | No cash payment to third parties. |
| AGR Segment | INR 1,00,000 per day | For self-payment (KCC cheques only). |
Other Restrictions
- No cash payment to third parties at non-home branches.
- No cash payment of CAG/MCG/CMP cheques at non-home branches.
Transfer Transactions Limit
This table summarizes the maximum limits for transfer transactions in SBI, based on the type of account and instrument used for the transfer.
| Account Type | Withdrawal/Transfer Limit |
| Savings Bank Accounts (instrument type 31) | |
| – Savings Bank (Other than HNI/NRI) | INR 10 lakh per day |
| – HNI/NRI Savings Bank | INR 50 lakh per day |
| Current Accounts (instrument type 29) | |
| – Personal, Corporate & Institutional, Govt. | INR 50 lakh per day |
| – Government Department Accounts | No cap (if separate arrangement exists) |
| – Corporate Client Cheques Payable At Par (CCPAP) | INR 10 lakh per day (facsimile signature) |
| – Without facsimile signature | Unlimited |
SBI Cash Withdrawal Limit for YONO Cash & QR Cash
The SBI YONO cash withdrawal limit & SBI cash withdrawal limit for QR cash allows customers to withdraw funds using SBI’s YONO app or by scanning QR codes at ATMs. These methods offer a convenient, secure, and card-less way to access cash, with specific daily withdrawal limits set for each.
Here is an overview of the SBI withdrawal limits for YONO Cash & QR Cash and how these services can help simplify cash access.
| Withdrawal Method | Daily Limit (INR) |
| YONO Cash Withdrawal | 20,000 |
| QR Code Cash Withdrawal | 4,000 |
Please note: YONO Cash allows withdrawals without a debit card, making it a secure option if you forget your card or prefer cardless transactions.
Additionally, through the SBI YONO App, students can apply for the YONO SBI education loan, which offers financial assistance to support their pursuit of higher education.
SBI Cash Withdrawal Limit With UPI
The SBI Cash Withdrawal Limit with UPI allows customers to withdraw cash from ATMs using UPI, without the need for a debit card. This method provides a secure, convenient alternative for accessing funds, with specific daily withdrawal limits based on the transaction type.
Here is an overview of the SBI cash withdrawal limits via UPI.
| Withdrawal Method | Limit |
| Daily UPI Withdrawal Limit | INR 1,00,000 per day |
| UPI Withdrawal at ATMs (Cardless Cash Withdrawal) | INR 10,000 per transaction |
Please note: No additional charges for UPI transactions.
Also Read: Encourage financial education and independence with bank accounts for minors. Discover the benefits and features of these accounts tailored for young savers.
SBI Cash Withdrawal Limit for Merchant and Bill Payments
SBI provides various options for bill payments and merchant transactions, each with specific limits set to ensure secure and controlled transactions. These limits help customers make payments effectively while managing their daily expenditure.
Below are the SBI Cash Withdrawal Limit and transaction limits for different bill payment and merchant-related services:
| Transaction Type | Per Transaction Limit | Overall Daily Limit |
| Bill Payments | INR 5,00,000 | INR 5,00,000 |
| Mobile Top Up | INR 10,000 | INR 50,000 |
| SBI Prepaid Cards | INR 50,000 | INR 50,000 |
| DTH Recharge | INR 50,000 | INR 50,000 |
| Postpaid Bill Payment | INR 50,000 | INR 50,000 |
| SBI Life Premium | INR 50,000 | INR 50,000 |
SBI Cash Withdrawal Limit for Newly Added Beneficiary
When adding a new beneficiary to your SBI account, there are specific transaction limits in place during the first four days to enhance security. These limits ensure that the process remains safe for both customers and beneficiaries.
Here’s the SBI Cash Withdrawal Limit for transactions involving newly added beneficiaries:
| Transaction Type | Per Transaction Limit | Overall Daily Limit |
| Transaction Limit for Newly Added Beneficiary (First 4 Days) | INR 5,00,000 | INR 5,00,000 |
SBI Cash Withdrawal Limit for Minors & New Account Holders
For minors and new account holders, SBI sets specific withdrawal limits to ensure secure and controlled access to funds. These limits help in managing the account effectively while ensuring the safety of transactions. Below are the details of the SBI Cash Withdrawal Limit for minors and individuals who have recently opened an account.
- Minor Account Holders:
- Max withdrawal: INR 2,000 per transaction
- Overall limit: INR 5,000 per day
- New Beneficiary Limit: First 4 days after adding a new beneficiary, the limit is INR 5,00,000 per transaction.
How to Increase Your SBI ATM Withdrawal Limit?
If you need to increase your SBI ATM withdrawal limit, the process is simple and can be done through various methods. You can increase your ATM withdrawal limit via:
- SBI Internet Banking: Login → ‘ATM Card Services’ → ‘Set Limit’
- SBI YONO App: Select ‘Manage Cards’ → Adjust ‘ATM Limit’
- Visiting an SBI Branch: Request an increase by filling out a form.
Understanding SBI cash withdrawal limits ensures secure transactions and helps prevent unwanted charges. Whether withdrawing from ATMs, branches, UPI, or YONO Cash, knowing these limits enhances financial planning. Always check your debit card’s withdrawal limit and use SBI digital services for seamless banking.
For more updates, visit the official SBI website or contact your nearest SBI branch.
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FAQs on SBI Cash Withdrawal Limit
The SBI ATM withdrawal limit depends on the type of debit card you hold. The daily withdrawal limit ranges from INR 40,000 to INR 1,00,000 for various card types. For example, SBI Platinum International Debit Card has a limit of INR 1,00,000, while the SBI Classic Debit Card allows INR 40,000.
At SBI ATMs, you can withdraw up to INR 10,000 per transaction without needing OTP verification. However, transactions above INR 10,000 require OTP confirmation for added security.
Yes, you can increase your SBI ATM withdrawal limit through SBI Internet Banking or the YONO app. You can also visit an SBI branch to request an increase in your withdrawal limit.
For SBI branch withdrawals, the limit varies based on the account type. For example, savings account holders can withdraw up to INR 50,000 per day, while SME segment accounts allow withdrawals of up to INR 1,00,000 per day.
With YONO Cash, you can withdraw up to INR 20,000 per day from SBI ATMs without a debit card, offering a secure and convenient cardless option.
Using UPI for cash withdrawal, you can withdraw up to INR 10,000 per transaction at UPI-enabled ATMs. The overall UPI withdrawal limit is INR 1,00,000 per day.
Yes, the SBI QR Code cash withdrawal limit is INR 4,000 per day, providing a secure, cardless option for withdrawing money using QR codes via the YONO app.
The SBI POS terminal withdrawal limit is INR 50,000 per day, allowing customers to withdraw cash directly from select merchant POS machines using an SBI debit card.
For minor account holders, the SBI withdrawal limit is INR 2,000 per transaction and INR 5,000 per day, ensuring controlled access to funds.
When adding a new beneficiary, the SBI withdrawal limit for the first four days is INR 5,00,000 per transaction and INR 5,00,000 per day to ensure safe transactions during the initial setup period.
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