The ATM cards/debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for various transactions.

In addition to cash dispensing ATMs may have many services/facilities such as:

• Balance enquiry
• Cash Deposit (By Envelopes)
• Mobile Recharge
• Mini Statement
• PIN change

The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.

For transacting at an ATM, the customer should insert/swipe their card in the ATM and enter their Personal Identification Number (PIN).

Yes. The cards issued by banks in India should be enabled for use at any bank ATM within India.

PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the bank while issuing the card. This PIN has to be reset with a new PIN by the customer at IDBI Bank ATM. Most banks force the customers to change the PIN on the first use.

The PIN number should not be written on the card, card cover/pouch etc as in such cases the card can be misused if card is lost/stolen.

The customer should contact the card issuing bank branch and apply for issuance of a new card. This procedure is applicable even if the card is captured at another bank's ATM.

The customer should contact the card issuing bank immediately on noticing the loss so as to enable the bank to block such cards.

Yes, banks set limit for cash withdrawal for their customers. The cash withdrawal limit for use at the ATM of the issuing bank is set by the bank during the issuance of the card.

For cash withdrawals at other bank ATMs, banks have decided to maintain a limit of Rs 10,000/- per transaction. This information is displayed at the ATM location.

For Savings A/c Customers

First 5 transactions of cash withdrawal or balance enquiry/pin change/mini statement, per month - FREE

Thereafter, for Cash Withdrawal: Charge of Rs. 20/- per transaction and for balance enquiry/pin change/mini statement: Rs 8/- per transaction

For Current A/c Customers

Chargeable from first transaction

For Cash withdrawal: Charge of Rs. 20/- per transaction and for balance enquiry/pin change/mini statement: Rs 8/- per transaction

The customer should lodge a complaint with the card issuing bank where account is maintained. This process is applicable even if the transaction was carried out at other banks ATM.

As per the RBI guidelines, the amounts wrongfully debited to the customers' accounts on account of failed ATM transactions are credited back within a maximum period of 7 working days from the date of receipt of the customer’s complaint.

Yes. Banks shall have to pay to the customer Rs 100/- per day for delay beyond 7 working days, from the date of receipt of the customer’s complaint.

For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the card issuing bank does not respond.