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ATM & cash service comparison

State Bank of India ATM & Cash Services vs Axis Bank ATM & Cash Services

Compare State Bank of India ATM & Cash Services and Axis 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

State Bank of India ATM & Cash Services vs Axis Bank ATM & Cash Services

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
State Bank of IndiaState Bank of India ATM & Cash Services

SBI customers who want to understand when an ATM/ADWM transaction is free, how cash-recycler deposits work and which limits belong to the account, debit card or cardless channel.

Cost / pricing
ATM charges depend on account type and channel. SBI's 1 December 2025 notice lists 5 free other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST per cash withdrawal and ₹11 + GST per non-financial transaction. Salary Package accounts were listed at 10 free transactions at all centres under that notice; SBI has separately announced another Salary Package free-transaction revision effective 1 October 2026, so that segment is refresh-gated.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Axis BankAxis Bank ATM & Cash Services

Axis customers comparing ATM and cash costs who are willing to match the rule to their exact account scheme, because Axis free counts and BNA/branch cash economics vary materially across products.

Cost / pricing
Axis publishes materially different ATM/cash tariffs by account scheme. For example, the live Sahaj Savings MID lists 5 free Axis Bank financial transactions with unlimited Axis non-financial transactions, 3 free non-Axis transactions in metros/5 elsewhere and post-threshold fees after the account's monthly ATM count; the Infinity Savings terms instead list unlimited Axis ATM transactions and 10 free non-Axis transactions. No universal Axis allowance is inferred.
Reviewed
September 10, 2026
Evidence
4 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

State Bank of India ATM & Cash Services vs Axis Bank ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/sbi-atm-cash-services-vs-axis-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.

State Bank of India ATM & Cash Services

Own-bank ATM
Current SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance.
Other-bank ATM
The dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed.

Axis Bank ATM & Cash Services

Own-bank ATM
Sahaj Savings currently states first 5 Axis financial transactions free plus unlimited non-financial; Infinity Savings states unlimited Axis ATM financial/non-financial transactions. Other Axis products can differ.
Other-bank ATM
Sahaj states 3 free non-Axis financial/non-financial transactions in metro locations and 5 elsewhere. Infinity states first 10 non-Axis transactions monthly. Product-specific post-free charges also differ by schedule; the exact account tariff controls.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

State Bank of India ATM & Cash Services

Withdrawal limits
Debit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000.
Cash deposit machine
ADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply.

Axis Bank ATM & Cash Services

Withdrawal limits
Debit-card limits remain primary. Some Axis schedules add account-level transaction-count controls; Sahaj currently states maximum 30 counted ATM transactions monthly (financial at Axis plus financial/non-financial at other-bank ATMs), followed by stated fees.
Cash deposit machine
Axis BNA/CDM cash deposit pricing is scheme-specific. Sahaj currently lists a ₹50 BNA convenience fee after banking hours/holidays once deposits exceed 2 transactions or ₹5,000 in a month, whichever occurs first; Infinity's listed core cash-deposit fees are nil under its plan terms.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

State Bank of India ATM & Cash Services

Charge scope
Always match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date.
Failed ATM treatment
RBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels.

Axis Bank ATM & Cash Services

Charge scope
Axis is intentionally modeled as scheme-specific. Sahaj, Infinity and current-account examples are evidence anchors, not interchangeable tariffs.
Failed ATM treatment
RBI's controlling rule for account debited but cash not dispensed is proactive reversal within T+5 calendar days and automatic ₹100/day compensation beyond T+5. Customers should complain to the card-issuing bank/ATM support promptly.
Other maintained comparisons for State Bank of India ATM & Cash ServicesOther maintained comparisons for Axis 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.

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Banking product terms side by side for State Bank of India ATM & Cash Services and Axis Bank ATM & Cash Services
Decision factorState Bank of India ATM & Cash ServicesAxis Bank ATM & Cash Services
ATM / cash service chargesATM charges depend on account type and channel. SBI's 1 December 2025 notice lists 5 free other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST per cash withdrawal and ₹11 + GST per non-financial transaction. Salary Package accounts were listed at 10 free transactions at all centres under that notice; SBI has separately announced another Salary Package free-transaction revision effective 1 October 2026, so that segment is refresh-gated.Axis publishes materially different ATM/cash tariffs by account scheme. For example, the live Sahaj Savings MID lists 5 free Axis Bank financial transactions with unlimited Axis non-financial transactions, 3 free non-Axis transactions in metros/5 elsewhere and post-threshold fees after the account's monthly ATM count; the Infinity Savings terms instead list unlimited Axis ATM transactions and 10 free non-Axis transactions. No universal Axis allowance is inferred.
Eligible account / cardRequires the relevant SBI account and, for card-based ATM/ADWM use, an eligible SBI debit card. ATM access does not change the balance, BSBDA, salary-package or current-account rules of the underlying account.Requires the applicable Axis account and debit-card relationship. ATM and BNA privileges can change when the account scheme changes, and cash thresholds can depend on account-level balance/relationship terms.
ATM / cash service coverageSBI ATMs/ADWMs support cash withdrawal and non-financial services; ADWMs also support cash deposits. Current SBI material says all non-financial transactions at SBI ATMs/ADWMs are free, supports UPI QR cash withdrawal and applies additional OTP protection to higher-value SBI-card ATM/ADWM transactions.Axis ATMs and cash-deposit/BNA channels provide cash access and account services; digital/card controls can be used to reduce exposure. Product schedules expose own-bank, off-us and branch/BNA cash rules separately.
ATM / cash limitsCard-based cash withdrawal remains subject to the debit-card/account limit. SBI's UPI QR Cash facility currently allows up to ₹10,000 per day through at most two ICCW transactions. SBI's current-account ADWM waiver notice lists card-based current-account deposits up to ₹1 lakh per transaction, cardless deposits up to ₹49,900 and specified third-party current-account deposits up to ₹49,900.Withdrawal limits depend on the debit card/account. Scheme documents may also impose monthly transaction-count or branch cash thresholds; for example, the Sahaj document states a maximum 30 counted ATM transactions per month before additional fees.
ATM / cash accessEligible SBI customers according to the underlying account/card and machine/channel. Other-bank ATM usage is governed by the SBI account's current free-transaction schedule; cardless/UPI cash requires a supported ICCW journey.Eligible Axis account/debit-card holders according to the specific account tariff. BNA/cash-deposit convenience and third-party/non-home branch treatment depend on the account scheme.
Account / card / channel relationshipATM/ADWM economics are a service layer over the underlying SBI account and debit-card variant; the same machine can apply different free counts, limits or charges to Savings, Salary Package, BSBD/KCC and Current Account relationships.Axis ATM/cash economics are strongly product-coupled: Sahaj, Infinity, salary, premium and current-account relationships can carry different free counts, cash thresholds and fees, so the engine stores representative current scheme evidence without relabeling it as bankwide.
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 State Bank of India ATM & Cash Services and Axis Bank ATM & Cash Services
Decision factorState Bank of India ATM & Cash ServicesAxis Bank ATM & Cash Services
Own-bank ATMCurrent SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance.Sahaj Savings currently states first 5 Axis financial transactions free plus unlimited non-financial; Infinity Savings states unlimited Axis ATM financial/non-financial transactions. Other Axis products can differ.
Other-bank ATMThe dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed.Sahaj states 3 free non-Axis financial/non-financial transactions in metro locations and 5 elsewhere. Infinity states first 10 non-Axis transactions monthly. Product-specific post-free charges also differ by schedule; the exact account tariff controls.
Withdrawal limitsDebit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000.Debit-card limits remain primary. Some Axis schedules add account-level transaction-count controls; Sahaj currently states maximum 30 counted ATM transactions monthly (financial at Axis plus financial/non-financial at other-bank ATMs), followed by stated fees.
Cash deposit machineADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply.Axis BNA/CDM cash deposit pricing is scheme-specific. Sahaj currently lists a ₹50 BNA convenience fee after banking hours/holidays once deposits exceed 2 transactions or ₹5,000 in a month, whichever occurs first; Infinity's listed core cash-deposit fees are nil under its plan terms.
Branch cashBranch cash-handling and free-deposit/withdrawal rules remain attached to the underlying SBI account tariff; the ADWM waiver does not replace the branch/CBS tariff.Sahaj currently lists self cash transactions free for the first 4 or ₹1 lakh monthly, whichever is earlier, and non-home branch cash transactions up to ₹25,000/day under that scheme. Other savings/current schemes publish different thresholds.
Failed ATM treatmentRBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels.RBI's controlling rule for account debited but cash not dispensed is proactive reversal within T+5 calendar days and automatic ₹100/day compensation beyond T+5. Customers should complain to the card-issuing bank/ATM support promptly.
Charge scopeAlways match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date.Axis is intentionally modeled as scheme-specific. Sahaj, Infinity and current-account examples are evidence anchors, not interchangeable tariffs.
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.

State Bank of India

State Bank of India ATM & Cash Services

  • SBI's live generic ATM page still describes 3 free other-bank ATM transactions in six metros and 5 elsewhere, while the more specific 1 December 2025 SBI charge notice lists 5 free at all centres for ordinary Savings Bank variants; v1.42 preserves that source conflict and treats the dated charge notice as the pricing anchor.
  • SBI has announced a further Salary Package free-transaction revision effective 1 October 2026. The salary-package ATM field is therefore refresh-gated rather than projected beyond 30 September 2026.
  • ADWM deposit limits and waivers are account-specific; the current-account waiver must not be copied to Savings or other account types.
Axis Bank

Axis Bank ATM & Cash Services

  • Do not quote the Sahaj or Infinity ATM allowance as the universal Axis rule; the two live Axis schedules themselves demonstrate why scheme matching is required.
  • Axis BNA after-hours convenience charges and branch cash free limits are account-scheme terms. A fee shown for Sahaj must not be copied to Infinity or a Current Account.
  • Failed ATM debit-without-cash reversals follow the RBI T+5 calendar-day framework even when an older bank document uses different operational wording.
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.

State Bank of India

State Bank of India ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
5
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.

State Bank of India ATM & Cash Services

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Issuer product pagehttps://sbi.bank.in/en/web/personal-banking/digital/atm-services
  2. Fee / charge schedulehttps://sbi.bank.in/documents/16012/22770835/NOTICE%2B%2BREVISION%2BIN%2BATM%2B%2BADWM%2BTRANSACTION%2BSERVICE%2BCHARGES.pdf/7c66ae2b-74ba-67cc-dbfa-01725136c709?t=1761913196404
  3. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/waiver-of-adwm-cash-deposit-charges
  4. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/kyc-guidelines/revised-service-charges
  5. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

Axis Bank ATM & Cash Services

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

  1. Issuer documenthttps://www.axisbank.com/docs/default-source/default-document-library/sahaj-savings-digital-mid.pdf
  2. Terms & conditionshttps://www.axisbank.com/docs/default-source/default-document-library/savings-account/TnC-for-Infinity-Savings-Account.pdf
  3. Issuer product pagehttps://www.axisbank.com/retail/accounts/savings-account/digital-savings-account
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75