YES BANKBank transaction-limit profile
YES BANK Transaction Limits
A normalized YES BANK limit profile covering current IMPS/UPI values, customer-set Internet/Mobile controls, product-specific debit-card maxima and live-source conflicts.
First-party evidencePublished researchReviewed September 10, 2026Active
Product / channel scopeYES BANK limits are customer-, product-, channel- and card-specific; YES FIRST/Premia/Prosperity/Digital account limits cannot be generalized bankwide.
Current transaction controlsCurrent YES BANK IMPS page states ₹5 lakh per transaction, ordinary YES Pay Next UPI is ₹1 lakh/day with up to 20 transactions, while customer/bank daily controls and exact debit-card maxima remain separate.
Fee separationLimits are not fees. Transfer/card/ATM pricing and programme waivers remain in the Banking Fees & Charges layer.
Product / channel / security-state relationshipResearch overlay; underlying account, card, transfer and UPI service terms remain controlling.
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
9 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateRecheck approaching
Target recheck: November 9, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
Bank transaction-limit profile evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Normalized transaction-limit map
The number is only useful when its channel, period and security state match.
Per-transaction, daily, count, product and temporary cooling limits stay separate. Reviewed September 10, 2026.
Limit scopeYES BANK limits across current IMPS/UPI, customer-set Internet/Mobile limits, Digital Savings account states and product-specific debit-card controls.
Online / mobile aggregateYES BANK exposes customer-set and bank-enforced transaction limits by channel; an older live user guide illustrates a ₹25 lakh Internet Banking clubbed bank-provided limit, retained as historical/live context rather than a universal 2026 promise.
UPI controlsYES Pay Next ordinary flow: up to 20 UPI transactions aggregating to ₹1 lakh/day; new registration/device switch is limited to ₹5,000 for the first 24 hours.
NEFT / RTGS / IMPSCurrent public IMPS page says ₹5 lakh per transaction; older YES ONLINE FAQ says ₹2 lakh and subjects NEFT/IMPS to the lower of customer-set or bank-enforced daily limit. RTGS minimum ₹2 lakh.
Beneficiary / first-use stateNo universal current beneficiary cooling duration is established in reviewed YES BANK material; customer and recipient limits remain channel-specific.
Debit-card limitsCurrent debit-card catalogue shows card-specific maxima, e.g. Prosperity Sleek ₹30,000 ATM/₹1 lakh purchase; Digital Savings variants publish ₹30,000/₹1 lakh or ₹50,000/₹1.5 lakh domestic ATM/POS depending on account variant.
ATM / cash withdrawalDaily ATM cash ceiling is card/account-specific, distinct from off-us free-count pricing. New/reissued cards start with only domestic ATM/POS enabled until other channels are activated.
Cash-deposit ceilingsNo single current bankwide cash-deposit machine ceiling is established by the reviewed YES BANK sources; account tariff and branch/CDM controls remain product-specific.
Effective-date ruleCurrent 2026 YES BANK pages are primary; older live PDFs are preserved as source-scoped legacy/conflict evidence when they disagree or lack a current-date control.
Conflicts / scope warningsIMPS is ₹5 lakh per transaction on current product pages versus ₹2 lakh in an older live YES ONLINE FAQ. The older ₹25 lakh clubbed-limit illustration is not treated as a universal current ceiling.
| Scope / channel | Limit rule | Period / state |
|---|---|---|
| IMPS · YES BANK current mobile-solutions page | ₹5 lakh maximum per IMPS transaction; service is 24x7. | per transaction · Current |
| IMPS — older YES ONLINE FAQ · YES ONLINE | Older live FAQ states ₹2 lakh maximum per IMPS transaction, subject to lower customer/bank daily limit. | per transaction · Conflict |
| Internet Banking clubbed limit illustration · YES ONLINE | Live user guide illustrates Bank Provided Limit ₹25 lakh for Internet Banking clubbed transactions; revised limits effective next day. | per day / customer-configured · Legacy |
| Ordinary UPI · YES Pay Next | Up to 20 UPI transactions aggregating to ₹1 lakh/day. | per day · Current |
| UPI new registration / device switch · YES Pay Next | Maximum ₹5,000 during the first 24 hours. | first 24 hours · Current |
| YES Digital Savings — Limited KYC · Digital account | Maximum cumulative credits ₹2 lakh/year and maximum balance ₹1 lakh until full KYC. | per year + point-in-time · Current |
| YES Digital Savings virtual debit card · Online payments | Virtual debit card daily shopping/payment limit ₹50,000 on the reviewed Digital Savings proposition. | per day · Current |
| YES Prosperity Sleek Debit Card · ATM / purchases | Current catalogue: ₹30,000 ATM cash and ₹1 lakh domestic purchase limit. | per day · Current |
| YES Digital Savings physical card variants · ATM / POS | Reviewed Digital Savings comparison: one variant ₹30,000 ATM/₹1 lakh POS; higher variant ₹50,000 ATM/₹1.5 lakh POS. | per day · Current |
| Debit-card per-transaction controls · YES ONLINE / Mobile / Branch | Per-transaction domestic e-commerce/contactless and international channel limits can be set up to the card's daily/product limit; entries use prescribed increments. | per transaction · Current |
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Fee separationLimits are not fees. Transfer/card/ATM pricing and programme waivers remain in the Banking Fees & Charges layer.
Product / channel scopeYES BANK limits are customer-, product-, channel- and card-specific; YES FIRST/Premia/Prosperity/Digital account limits cannot be generalized bankwide.
Normalized limit coverageKeeps current IMPS and UPI maxima, customer-managed card controls, Digital Savings restrictions and legacy/live source conflicts in one normalized overlay.
Current transaction controlsCurrent YES BANK IMPS page states ₹5 lakh per transaction, ordinary YES Pay Next UPI is ₹1 lakh/day with up to 20 transactions, while customer/bank daily controls and exact debit-card maxima remain separate.
Who / what the limits apply toOnly applies to the exact YES BANK account/card/channel and customer security state named in each row.
Product / channel / security-state relationshipResearch overlay; underlying account, card, transfer and UPI service terms remain controlling.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
YES BANK customers who need to distinguish current rail-specific limits from older live YES ONLINE documentation and card/account-specific controls.
- A current YES BANK IMPS page says ₹5 lakh per transaction, while an older live YES ONLINE FAQ says ₹2 lakh; v1.46 preserves both.
- The older YES ONLINE user guide illustrates a ₹25 lakh bank-provided clubbed limit, but it is not promoted as a current universal ceiling for all customers.
- Debit-card per-transaction controls can be set lower than product daily maxima and some channels are disabled by default on new/reissued cards.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcewww.yes.bank.in
Open source ↗02Additional first-party evidencewww.yes.bank.in
Open source ↗03Additional first-party evidencewww.yes.bank.in
Open source ↗04Additional first-party evidencewww.yes.bank.in
Open source ↗05Additional first-party evidencewww.yes.bank.in
Open source ↗06Additional first-party evidencewww.yes.bank.in
Open source ↗07Additional first-party evidencewww.yes.bank.in
Open source ↗08Additional first-party evidencewww.yes.bank.in
Open source ↗09Additional first-party evidencewww.yes.bank.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.