Skip to content
littleden.blogIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
ATM & cash service comparison

Federal Bank ATM & Cash Machine Services vs AU Small Finance Bank ATM & Cash Services

Compare Federal Bank ATM & Cash Machine 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

Federal Bank ATM & Cash Machine 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
Federal BankFederal Bank ATM & Cash Machine Services

Federal Bank customers who need the exact account scheme and AMB matched before using an off-us ATM allowance, and who want Cash Machine/CDM rules separated from branch cash charges.

Cost / pricing
Federal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.
Reviewed
September 10, 2026
Evidence
4 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
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

Federal Bank ATM & Cash Machine Services vs AU Small Finance Bank ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/federal-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.

Federal Bank ATM & Cash Machine Services

Own-bank ATM
Federal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.
Other-bank ATM
After the applicable scheme free limit, ₹23 per financial and ₹12 per non-financial transaction. Regular schemes commonly show 5 monthly free transactions; salary/premium/Celesta and AMB/geography-based schemes can provide 10 or unlimited usage.

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.

Federal Bank ATM & Cash Machine Services

Withdrawal limits
ATM-cum-CDM Cash Machine can dispense up to 40 currency notes per withdrawal transaction; debit-card type and card/account settings control the daily value ceiling.
Cash deposit machine
Federal ATM-cum-CDM accepts cardless/card-based deposits, up to 200 currency notes at a time, for eligible Current and Savings Resident/NRO accounts; Savings beyond-free-limit cash-handling charges receive a 50% concession when remitted through CDM.

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.

Federal Bank ATM & Cash Machine Services

Charge scope
Do not average Federal's scheme-specific other-bank free counts. Own-bank ATM, off-us pricing, cash-handling allowance, CDM concession and debit-card cash ceiling must be evaluated separately.
Failed ATM treatment
RBI's current controlling baseline is T+5 calendar days with ₹100/day compensation beyond T+5. Federal's ATM help page says customers can lodge the complaint with the card-issuing bank/Fed-e-Point and uses older '5 working days' wording for re-credit.

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 Federal Bank ATM & Cash Machine ServicesOther maintained comparisons for AU Small Finance Bank ATM & Cash Services
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Banking product terms side by side for Federal Bank ATM & Cash Machine Services and AU Small Finance Bank ATM & Cash Services
Decision factorFederal Bank ATM & Cash Machine ServicesAU Small Finance Bank ATM & Cash Services
ATM / cash service chargesFederal Bank ATM transactions at its own ATMs are currently ₹0. Other-bank ATM usage after the applicable scheme free count is ₹23 financial and ₹12 non-financial. Savings cash handling is free up to 5 cash transactions or ₹5 lakh per month, whichever is earlier; beyond that ₹4 per ₹1,000 with a ₹100 minimum, with a 50% concession on beyond-free-limit remittance through CDM.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 / cardOff-us ATM free counts vary by scheme, AMB and in some cases whether the account is inside/outside Kerala. Celesta gets unlimited Any Bank ATM usage; regular schemes commonly show 5. Cash-handling free limits are a separate Savings account rule.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 coverageFederal ATM-cum-CDM Cash Machines support cardless/card-based deposits, card withdrawals, funds transfer, balance/mini statement and PIN change. Own-bank ATM financial and non-financial transactions are currently free.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 limitsCash Machine deposits accept up to 200 notes per transaction; withdrawals up to 40 notes per transaction. The debit-card variant still controls the customer's maximum daily cash value.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 Federal savings/current and supported Resident/NRO accounts for the relevant Cash Machine functions. Deposits are not permitted to loan or NRE accounts on the reviewed Cash Machine page.Eligible AU account/debit-card customers. Product tier, card variant and account relationship determine the applicable ATM/cash rules.
Account / card / channel relationshipATM/CDM machine capacity, off-us free counts, debit-card daily cash limits and Savings cash-handling allowances are distinct layers.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.

On a small screen, scroll this table sideways. The decision-factor column stays visible while you compare both products.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Type-specific banking comparison terms for Federal Bank ATM & Cash Machine Services and AU Small Finance Bank ATM & Cash Services
Decision factorFederal Bank ATM & Cash Machine ServicesAU Small Finance Bank ATM & Cash Services
Own-bank ATMFederal Bank ATM financial and non-financial transactions are currently ₹0 under the current ATM charge table.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 ATMAfter the applicable scheme free limit, ₹23 per financial and ₹12 per non-financial transaction. Regular schemes commonly show 5 monthly free transactions; salary/premium/Celesta and AMB/geography-based schemes can provide 10 or unlimited usage.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 limitsATM-cum-CDM Cash Machine can dispense up to 40 currency notes per withdrawal transaction; debit-card type and card/account settings control the daily value ceiling.Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machineFederal ATM-cum-CDM accepts cardless/card-based deposits, up to 200 currency notes at a time, for eligible Current and Savings Resident/NRO accounts; Savings beyond-free-limit cash-handling charges receive a 50% concession when remitted through CDM.AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
Branch cashSavings: 5 cash transactions (deposits + withdrawals, excluding ATM withdrawals) or ₹5 lakh per month, whichever is earlier, free; thereafter ₹4 per ₹1,000 or part, minimum ₹100 per transaction under the reviewed FY26 tariff.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's current controlling baseline is T+5 calendar days with ₹100/day compensation beyond T+5. Federal's ATM help page says customers can lodge the complaint with the card-issuing bank/Fed-e-Point and uses older '5 working days' wording for re-credit.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 scopeDo not average Federal's scheme-specific other-bank free counts. Own-bank ATM, off-us pricing, cash-handling allowance, CDM concession and debit-card cash ceiling must be evaluated separately.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.

Federal Bank

Federal Bank ATM & Cash Machine Services

  • Federal's off-us ATM allowance is highly scheme-specific: regular, salary, premium, Celesta and AMB/geography buckets differ, so one bankwide free count would be misleading.
  • The current Federal ATM help page still describes failed ATM re-credit using '5 working days' wording; the engine keeps RBI's current T+5 calendar-day framework as the controlling consumer-protection baseline.
  • CDM's 50% concession applies to cash-handling charges beyond the free limit; it does not mean every CDM deposit is universally free.
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

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

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
Open primary bank source ↗
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.

Federal Bank ATM & Cash Machine Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Issuer product pagehttps://www.federal.bank.in/debitcardrates
  2. Fee / charge schedulehttps://www.federal.bank.in/documents/d/guest/service-charges-and-fees-fy26-2-
  3. Issuer product pagehttps://www.federal.bank.in/atm-services
  4. 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