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ATM & cash service comparison

Kotak Mahindra Bank ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

Compare Kotak Mahindra Bank ATM & Cash 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

Kotak Mahindra Bank ATM & Cash 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
Kotak Mahindra BankKotak Mahindra Bank ATM & Cash Services

Kotak customers comparing everyday ATM access and branch/CDM cash usage who need the exact savings-account variant matched before applying a free-count or cash-handling figure.

Cost / pricing
Kotak's current Everyday Savings fee table shows ₹23 per financial and ₹10 per non-financial transaction after the applicable free ATM allowance. Branch/CDM cash transactions are free up to 3 transactions or ₹1 lakh per month, whichever is earlier, then ₹5 per ₹1,000 with a ₹150 minimum; third-party cash has a separate ₹25,000 monthly free amount before the same ₹5 per ₹1,000 / ₹150-minimum pricing.
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.
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littleden.blog · Comparison research sheet

Kotak Mahindra Bank ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

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

Kotak Mahindra Bank ATM & Cash Services

Own-bank ATM
Current Everyday material shows a live wording conflict around the 7-free own-bank allowance: the main fees table says 7 free financial transactions with non-financial transactions free, while a specific basic-service page says 7 free financial + non-financial transactions; post-free pricing is ₹23 financial / ₹10 non-financial where applicable.
Other-bank ATM
Current Everyday schedule: 7 free domestic non-Kotak transactions per month (financial + non-financial), then ₹23 financial and ₹10 non-financial. Other Kotak schemes can publish different or larger allowances, so the account schedule must be matched.

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.

Kotak Mahindra Bank ATM & Cash Services

Withdrawal limits
Daily cash amount is controlled by the linked debit-card/account limit. The monthly free-transaction allowance only determines pricing and does not raise the card's daily withdrawal ceiling.
Cash deposit machine
Branch/CDM cash deposits and withdrawals are combined for the current Everyday cash-transaction entitlement: free up to 3 transactions or ₹1 lakh/month, whichever is earlier; thereafter ₹5 per ₹1,000, minimum ₹150.

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.

Kotak Mahindra Bank ATM & Cash Services

Charge scope
Always match the exact Kotak account variant. ATM free counts, post-free charges, branch/CDM cash handling and third-party cash have different counters and should not be merged.
Failed ATM treatment
RBI's current failed-ATM framework requires reversal within T+5 calendar days when the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5; complaint should be raised with the card-issuing bank.

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 Kotak Mahindra Bank ATM & Cash ServicesOther maintained comparisons for AU Small Finance Bank ATM & Cash Services
Exact terms

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

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Banking product terms side by side for Kotak Mahindra Bank ATM & Cash Services and AU Small Finance Bank ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesAU Small Finance Bank ATM & Cash Services
ATM / cash service chargesKotak's current Everyday Savings fee table shows ₹23 per financial and ₹10 per non-financial transaction after the applicable free ATM allowance. Branch/CDM cash transactions are free up to 3 transactions or ₹1 lakh per month, whichever is earlier, then ₹5 per ₹1,000 with a ₹150 minimum; third-party cash has a separate ₹25,000 monthly free amount before the same ₹5 per ₹1,000 / ₹150-minimum 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.
Eligible account / cardATM/cash economics depend on the linked Kotak account variant. Everyday, Classic, Pro, salary and other schemes publish different free allowances; the ATM service itself does not replace the account's AMB or relationship rules.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 coverageKotak ATMs support cash/non-cash services and current savings schedules include cardless cash withdrawal. Branch and CDM cash usage is integrated into the account's monthly cash-transaction entitlement rather than treated as a separate unlimited allowance.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 limitsThe linked debit-card variant controls the daily cash-withdrawal ceiling. Current savings schedules separately control monthly ATM free counts and branch/CDM cash entitlements; these are not interchangeable limits.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 Kotak account/debit-card customers. Cardless withdrawal and third-party cash remain subject to the channel, account, KYC and current product schedule.Eligible AU account/debit-card customers. Product tier, card variant and account relationship determine the applicable ATM/cash rules.
Account / card / channel relationshipBank-level ATM/cash profile over account-specific schedules: Everyday and other Kotak variants can have materially different own/off-us allowances, so no single universal Kotak free count is inferred.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.

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Type-specific banking comparison terms for Kotak Mahindra Bank ATM & Cash Services and AU Small Finance Bank ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesAU Small Finance Bank ATM & Cash Services
Own-bank ATMCurrent Everyday material shows a live wording conflict around the 7-free own-bank allowance: the main fees table says 7 free financial transactions with non-financial transactions free, while a specific basic-service page says 7 free financial + non-financial transactions; post-free pricing is ₹23 financial / ₹10 non-financial where applicable.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 ATMCurrent Everyday schedule: 7 free domestic non-Kotak transactions per month (financial + non-financial), then ₹23 financial and ₹10 non-financial. Other Kotak schemes can publish different or larger allowances, so the account schedule must be matched.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 limitsDaily cash amount is controlled by the linked debit-card/account limit. The monthly free-transaction allowance only determines pricing and does not raise the card's daily withdrawal ceiling.Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machineBranch/CDM cash deposits and withdrawals are combined for the current Everyday cash-transaction entitlement: free up to 3 transactions or ₹1 lakh/month, whichever is earlier; thereafter ₹5 per ₹1,000, minimum ₹150.AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
Branch cashCurrent Everyday branch/CDM cash transactions share the 3-transaction/₹1 lakh monthly free entitlement. Branch NEFT/RTGS and other branch services are separate tariffs and are not counted as ATM/cash limits.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 failed-ATM framework requires reversal within T+5 calendar days when the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5; complaint should be raised with the card-issuing bank.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 scopeAlways match the exact Kotak account variant. ATM free counts, post-free charges, branch/CDM cash handling and third-party cash have different counters and should not be merged.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.

Kotak Mahindra Bank

Kotak Mahindra Bank ATM & Cash Services

  • Kotak's current Everyday fee pages contain a live wording difference: one current table describes 7 free own-bank financial transactions with non-financial transactions remaining free, while another current Everyday basic-service page describes 7 free financial + non-financial transactions. The engine preserves the conflict.
  • Classic/Pro and other Kotak accounts can publish much larger combined free ATM allowances than Everyday; never apply one scheme's count to another.
  • The branch/CDM cash free allowance and third-party cash allowance are separate from the debit card's daily ATM withdrawal ceiling.
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.

Kotak Mahindra Bank

Kotak Mahindra Bank ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
4
Open primary bank source ↗
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.

Kotak Mahindra Bank ATM & Cash Services

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

  1. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges.html
  2. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges/everyday-savings-account/basic-service-fees.html
  3. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges/classic-savings-account/basic-service-fees.html
  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