Union Bank of India sets daily cash withdrawal limits for its customers, which vary based on the type of debit card and account held. If you attempt to withdraw beyond Union Bank cash withdrawal limits, the transaction will be declined and you may be charged additional fees.
You can upgrade to a premium debit card or account for enhanced Union Bank cash withdrawal limits. Contact your nearest branch or log in to Internet Banking for upgradation. Let’s explore more details about Union Bank cash withdrawal limits for ATMs, savings and current accounts.
Table of contents
- Union Bank Cash Withdrawal Limits
- Union Bank ATM Cash Withdrawal Limits
- Union Bank Savings Account Cash Withdrawal Limits
- Union Bank Current Account Cash Withdrawal Limits
- Charges for Exceeding Union Bank Cash Withdrawal Limits
- How to Increase Union Bank Cash Withdrawal Limits?
- Factors Affecting Cash Withdrawal Limits
- FAQs
Union Bank Cash Withdrawal Limits
Union Bank of India sets specific cash withdrawal limits based on the type of debit card and account held. These limits define how much cash you can withdraw daily from ATMs and how much you can spend at Point-of-Sale (PoS) terminals.
For most Union Bank debit cards, the ATM cash withdrawal limit starts at INR 25,000 per day, while PoS transaction limits are generally higher, going up to INR 50,000 per day. However, premium cardholders, such as Signature and Business Debit Card users, enjoy significantly higher withdrawal limits of up to INR 1,00,000 per day at ATMs and INR 3,00,000 per day at PoS terminals.
Let’s explore specific details on Union Bank cash withdrawal limits based on the account type and debit card you own.
Union Bank ATM Cash Withdrawal Limits
The Union Bank ATM cash withdrawal limits depend on the type of card you use. The daily withdrawal limits via debit cards range from INR 25,000 to INR 1,00,000. However, the daily credit card withdrawal limits range from 20% to 40% of the card limit.
Check out the table below that details specific Union Bank cash withdrawal limits based on the type of debit card and credit card you hold with Union Bank of India.
Debit Card Withdrawal Limits Per Day
The Union Bank of India offers different types of debit cards. All of them have varying withdrawal limits. Check them out below-
| Union Bank of India Debit Cards | Daily Cash Withdrawal Limit | Daily PoS Withdrawal Limit |
| Rupay qSPARC Debit Card | INR 25,000 | INR 50,000 |
| Classic Debit Card (Rupay/ VISA) | INR 25,000 | INR 50,000 |
| Platinum Debit Card (Rupay/ VISA/ MasterCard) | INR 25,000 | INR 50,000 |
| Contactless Debit Card | INR 25,000 | INR 50,000 |
| Signature Contactless Debit Card | INR 1,00,000 | – |
| Business Debit Card (Platinum)- For current account holders | INR 1,00,000 | INR 3,00,000 |
| Rupay JCB Platinum URNRO and URNRE | INR 1,00,000 | INR 3,00,000 |
Credit Card Withdrawal Limits Per Day
Union Bank cash withdrawal limits via credit cards depend on the card variant. You can withdraw between 20% to 40% of the card limit. However, all credit card withdrawals will attract a convenience charge on the amount withdrawn.
Check out the credit card withdrawal limits via Union Bank of India-
| Union Bank of India Credit Card Variants | Cash Withdrawal Limits |
| VISA Signature | 40% of the card limit |
| Rupay Select | 40% of the card limit |
| VISA Platinum | 30% of the card limit |
| RuPay Platinum | 30% of the card limit |
| VISA Gold Variant | 20% of the card limit |
Union Bank Savings Account Cash Withdrawal Limits
The Union Bank cash withdrawal limits for savings accounts vary depending on the type of account. For example, the Union Bank of India Savings Account For Students (SBZER) has a daily ATM cash withdrawal limit of INR 25,000. The Union Muskaan savings account for minors has a daily ATM cash withdrawal limit of INR 5,000.
Check out the table below to know the Union Bank savings account cash withdrawal limits–
| Union Bank of India Savings Account | ATM Cash Withdrawal Limit (per day) | PoS Limit (per day) |
| Union Digital Savings Account | INR 25,000 | INR 50,000 |
| Savings Bank Account for Students (SBZER) | INR 25,000 | INR 50,000 |
| Union Muskaan (SBMUS) | INR 5,000 | INR 25,000 |
| Savings Bank Account For Pensioners (SBPEN) | INR 25,000 | INR 50,000 |
| Savings Flexi Deposit Scheme (SBNFD) | INR 75,000 | INR 1,50,000 |
| SB High Networth Customers (SBHNI) | INR 1,00,000 | INR 3,00,000 |
| Special SB Schemes Variant – I (SB Premium) SBPRE | INR 75,000 | INR 1,50,000 |
| Union Udaan Savings Account | INR 1,00,000 | INR 3,00,000 |
| Basic Savings Bank Deposit Account-Small Accounts | INR 25,000 | INR 50,000 |
| Savings Bank Account General – SBGEN | INR 25,000 | INR 50,000 |
| UNION SAMRIDDHI for women | INR 75,000 | INR 1,50,000 |
Also Read: Discover the HDFC Bank cash withdrawal limits from branches and ATMs.
Union Bank Current Account Cash Withdrawal Limits
Union Bank of India offers various current account types, each with specific features and cash withdrawal limits. For example, the Union Micro Digital Current Account cash withdrawals at non-base branches are limited to INR 25,000 per day, while there is no specific limit mentioned for base branch withdrawals.
Check out the Union Bank of India’s current account cash withdrawal limits per day–
| Union Bank of India Current Account | ATM Cash Withdrawal Limit (per day) | PoS Limit (per day) |
| Union Bank Current Account( CDGEN) | INR 25,000 | INR 50,000 |
| Union Micro Digital Current Account (UMDCA) | INR 25,000 | INR 50,000 |
| Current Flexi Deposit Scheme (CDFFD) | INR 1,00,000 | INR 3,00,000 |
| Union Classic Current Account (UCCA) | INR 50,000 | INR 3,00,000 |
| Current Flexi Deposit Scheme(CDFFP) | INR 1,00,000 | INR 3,00,000 |
| Union Udaan Current Account | INR 1,00,000 | INR 3,00,000 |
Charges for Exceeding Union Bank Cash Withdrawal Limits
Union Bank of India allows a limited number of free ATM transactions per month, depending on the type of debit card you hold. If you exceed these limits, additional charges apply. Here’s a breakdown:
Free Transaction Limits at Union Bank ATMs
- Classic & Platinum Debit Card Holders– 8 free financial transactions per month.
- Signature & Business Debit Card Holders– 20 free financial transactions per month.
- Linked Accounts– If a Classic or Platinum Debit Card is linked to multiple accounts, the free transaction limit remains 8 (cumulative). For Signature or Business Debit Cards, the free transaction limit remains 20 (cumulative).
Charges Beyond Free Transactions
Once you exceed the free transaction limit, the following fees apply:
- Financial Transactions (Cash Withdrawals, Fund Transfers, etc.)– INR 21 + GST per transaction.
- Non-financial transactions (Balance Inquiries, Mini Statements, PIN Changes, etc.)– INR 8 + GST per transaction.
How to Increase Union Bank Cash Withdrawal Limits?
Union Bank of India allows customers to personalize their cash withdrawal limits through Internet banking. This process ensures better control over your transactions and enhances security. If you need a higher limit beyond the available settings, visit your bank branch for assistance.
Here’s how you can set personalised Union Bank cash withdrawal limits-
- Login to Internet Banking– Visit the Union Bank website and log in to your Internet banking account.
- Go to Personalize Limits– Find the option to adjust limits in the settings or transaction section.
- Select Your Preferences– Choose the transaction type (e.g., ATM withdrawal), and the banking channel, and set a start and end date for your new limit.
- View Current Limit– The existing limit will be displayed. You can increase or decrease it based on your needs.
- Confirm the Change– Enter your transaction password and submit your request.
- Successful Update– Your new limit is now set! You can check the updated limit under “View Personalized Limits.”
Alternatively, you can call Union Bank and request an increase to your ATM withdrawal limit. The bank may be able to increase your limit temporarily or permanently.
Also Read: Know more about International Debit Card withdrawal limits in the given blog.
Factors Affecting Cash Withdrawal Limits
Union Bank of India’s cash withdrawal limits are influenced by multiple factors, including the type of debit card, account type, transaction channel, and credit card usage. Let’s explore each factor in detail with examples:
Type of Debit Card
Different Union Bank debit cards come with varying daily withdrawal limits. For example:
- A Classic Debit Card (Rupay/VISA) holder can withdraw up to INR 25,000 per day at ATMs and INR 50,000 per day at PoS terminals.
- A Signature Contactless Debit Card allows much higher limits, with ATM withdrawals up to INR 1,00,000 per day.
- Business Debit Card (Platinum) users, designed for business transactions, enjoy an INR 1,00,000 per day ATM withdrawal limit and INR 3,00,000 per day PoS limit.
Type of Account
Savings accounts and current accounts have different cash withdrawal limits. Premium and business accounts often allow higher limits. For example:
- A student with a Union Muskaan Savings Account (for minors) can withdraw only INR 5,000 per day at ATMs, ensuring controlled spending.
- A Union Digital Savings Account holder has a standard withdrawal limit of INR 25,000 per day at ATMs.
- High-net-worth individuals using SB High Networth Customers (SBHNI) or Union Udaan Savings Account can withdraw up to INR 1,00,000 per day at ATMs and INR 3,00,000 per day at PoS terminals.
Branch Transactions
For branch cash withdrawals, some current accounts have different limits based on whether the transaction occurs at a home branch (base branch) or a non-home branch (non-base branch). For example:
- A Union Micro Digital Current Account (UMDCA) holder can withdraw only INR 25,000 per day at non-base branches. However, they may have a higher or no limit at their home branch.
- A Union Classic Current Account (UCCA) holder has a withdrawal limit of INR 50,000 per day at ATMs, but in a branch, they may be able to withdraw larger amounts based on account category and prior approval.
Credit Card Withdrawals
Unlike debit cards, Union Bank credit cards have withdrawal limits that are a percentage of the total credit limit, typically between 20% to 40%, with additional convenience fees. For example:
- A VISA Signature Credit Card allows cash withdrawals up to 40% of the total credit limit. If the card has an INR 2,00,000 credit limit, the maximum cash withdrawal allowed is INR 80,000.
- A VISA Gold Credit Card has a lower cash withdrawal limit of 20% of the total credit limit. If the limit is INR 1,50,000, the cardholder can withdraw up to INR 30,000 in cash.
If a credit cardholder withdraws cash, they must pay extra fees, which may include cash advance charges and interest on the withdrawn amount from the date of withdrawal.
By understanding these factors, customers can choose the right debit or credit card based on their spending habits and withdrawal needs. For more details or specific doubts, you can drop your queries in the comments section.
FAQs
Union Bank cash withdrawal limits via ATMs are set up to INR 25,000 using a classic debit card. Cash withdrawal limits at the Point of Sale (Pos) terminal have higher limits of up to INR 50,000.
Union Bank cash withdrawal limits for debit cards vary based on the card type. For example, Classic and Platinum cards allow a daily ATM withdrawal limit of INR 25,000, while Signature and Business Debit Cards can withdraw up to INR 1,00,000 per day.
The Union Bank cash withdrawal limit per day for credit cards ranges from 20% to 40% of the total credit limit, depending on the card variant. For instance, a VISA Signature card allows a withdrawal of up to 40% of its limit.
While Union Bank primarily sets daily limits for withdrawals, exceeding the number of free transactions in a month may incur charges. Customers should monitor their usage to avoid additional fees.
To check your Union Bank cash withdrawal limit by cheque, you can contact customer service or visit your nearest branch. Cheque withdrawals typically do not have specific limits but are subject to available funds in your account.
Union Bank cash withdrawal charges apply if you exceed the number of free transactions allowed per month. For financial transactions beyond the free limit, a fee of INR 21 plus GST is charged per transaction.
Yes, you can increase your Union Bank cash withdrawal limit through Internet banking by adjusting your personalized limits under account settings or by visiting your bank branch for assistance.
The ATM cash withdrawal limits for savings accounts vary. For example, a regular savings account allows INR 25,000 per day, while high-net-worth accounts may permit withdrawals up to INR 1,00,000 daily.
Yes, PoS transaction limits are generally higher than ATM cash withdrawal limits at Union Bank. For instance, while many debit cards have an ATM limit of INR 25,000, PoS transaction limits can go up to INR 3,00,000 for premium accounts.
You can check your current Union Bank cash withdrawal limit by logging into your Internet banking account or by contacting customer support directly for assistance.
Yes, all credit card withdrawals will attract convenience charges based on the amount withdrawn. Similarly, exceeding the free transaction limits for debit cards will also incur additional fees as outlined by the bank’s policies.
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