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ATM & cash service comparison

State Bank of India ATM & Cash Services vs Canara Bank ATM & Cash Recycler Services

Compare State Bank of India ATM & Cash Services and Canara Bank ATM & Cash Recycler 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 Canara Bank ATM & Cash Recycler 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
Canara BankCanara Bank ATM & Cash Recycler Services

Canara customers who need current September 2026 ATM charges and want branch/CDM cash-deposit free entitlements kept distinct from ATM withdrawal allowances.

Cost / pricing
Canara's card service-charge page, updated 1 September 2026, lists 5 free financial/non-financial Canara ATM/Cash Recycler transactions per month for general Savings customers and 8 for senior citizens; thereafter ₹23 + GST for cash withdrawal/UPI cash withdrawal and ₹5 + GST for non-financial transactions. At other-bank ATMs/Cash Recyclers, Savings customers receive 3 free in metros and 5 in non-metros; thereafter ₹23 + GST financial and ₹11 + GST non-financial.
Reviewed
September 10, 2026
Evidence
3 bank sources
Open product research
Compare like with likeThese records share the same product type.
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littleden.blog · Comparison research sheet

State Bank of India ATM & Cash Services vs Canara Bank ATM & Cash Recycler Services

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

Canara Bank ATM & Cash Recycler Services

Own-bank ATM
Savings customers: 5 free monthly financial/non-financial Canara ATM/Cash Recycler transactions; senior citizens: 8. Beyond the free count, cash withdrawal including ICCW/UPI cash withdrawal is ₹23 + GST and non-financial transaction ₹5 + GST, effective 1 September 2026.
Other-bank ATM
Savings customers: 3 free monthly financial/non-financial transactions at other-bank ATMs/Cash Recyclers in metros and 5 in non-metros; thereafter ₹23 + GST financial and ₹11 + GST non-financial under the 1 September 2026 update.
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.

Canara Bank ATM & Cash Recycler Services

Withdrawal limits
The ATM free count/fee schedule does not set the debit card's daily cash ceiling; the linked card/account limit remains controlling over the amount that can be withdrawn.
Cash deposit machine
Regular cash-handling charges apply to cash remitted through CDMs/kiosks/alternative channels. Canara clubs those deposits with home/non-home branch cash remittances when calculating the free entitlement.
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.

Canara Bank ATM & Cash Recycler Services

Charge scope
ATM/Cash Recycler transaction fees and cash-handling fees are distinct. Canara explicitly clubs cash deposits across branch/CDM/kiosk channels but excludes ATM/alternate-channel withdrawals from branch cash-withdrawal charges.
Failed ATM treatment
RBI's current failed-ATM framework requires reversal within T+5 calendar days where the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5.
Other maintained comparisons for State Bank of India ATM & Cash ServicesOther maintained comparisons for Canara Bank ATM & Cash Recycler 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 State Bank of India ATM & Cash Services and Canara Bank ATM & Cash Recycler Services
Decision factorState Bank of India ATM & Cash ServicesCanara Bank ATM & Cash Recycler 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.Canara's card service-charge page, updated 1 September 2026, lists 5 free financial/non-financial Canara ATM/Cash Recycler transactions per month for general Savings customers and 8 for senior citizens; thereafter ₹23 + GST for cash withdrawal/UPI cash withdrawal and ₹5 + GST for non-financial transactions. At other-bank ATMs/Cash Recyclers, Savings customers receive 3 free in metros and 5 in non-metros; thereafter ₹23 + GST financial and ₹11 + GST non-financial.
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 relevant Canara account/debit-card relationship for card-based ATM access. Branch and cash-deposit handling fees remain linked to the underlying Savings/CA/OD/OCC account tariff.
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.Canara ATMs/Cash Recyclers support card cash access and related services. Cash remitted at home/non-home branches, cash-deposit machines, kiosks and alternative cash channels is integrated into the account's cash-handling entitlement rather than treated as unrelated buckets.
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 amount depends on debit-card/account limits. The September 2026 ATM charge schedule separately controls free transaction counts and post-free charges; those counts are not the card's daily withdrawal ceiling.
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 Canara account/debit-card customers, with senior-citizen own-bank free-count treatment separately identified. Cash-deposit and branch rules depend on Savings versus CA/OD/OCC status.
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.ATM/Cash Recycler charges and branch/cash-deposit fees are different layers. Canara explicitly clubs cash remittances across home/non-home branches, CDMs, kiosks and alternative channels to determine the free cash-handling entitlement.
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 Canara Bank ATM & Cash Recycler Services
Decision factorState Bank of India ATM & Cash ServicesCanara Bank ATM & Cash Recycler 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.Savings customers: 5 free monthly financial/non-financial Canara ATM/Cash Recycler transactions; senior citizens: 8. Beyond the free count, cash withdrawal including ICCW/UPI cash withdrawal is ₹23 + GST and non-financial transaction ₹5 + GST, effective 1 September 2026.
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.Savings customers: 3 free monthly financial/non-financial transactions at other-bank ATMs/Cash Recyclers in metros and 5 in non-metros; thereafter ₹23 + GST financial and ₹11 + GST non-financial under the 1 September 2026 update.
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.The ATM free count/fee schedule does not set the debit card's daily cash ceiling; the linked card/account limit remains controlling over the amount that can be withdrawn.
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.Regular cash-handling charges apply to cash remitted through CDMs/kiosks/alternative channels. Canara clubs those deposits with home/non-home branch cash remittances when calculating the free entitlement.
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.Savings cash deposits: first 3 transactions monthly are free under the reviewed tariff, then ₹1 per ₹1,000 or part (minimum ₹50, maximum ₹5,000 per transaction); Savings branch cash withdrawals: first 5 monthly free, then ₹100 per transaction. CA/OD/OCC use separate value-based cash rules.
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 current failed-ATM framework requires reversal within T+5 calendar days where the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5.
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.ATM/Cash Recycler transaction fees and cash-handling fees are distinct. Canara explicitly clubs cash deposits across branch/CDM/kiosk channels but excludes ATM/alternate-channel withdrawals from branch cash-withdrawal charges.
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.
Canara Bank

Canara Bank ATM & Cash Recycler Services

  • Canara revised own-bank and other-bank ATM/Cash Recycler charges effective 1 September 2026; older ₹21/other values should not be reused.
  • The Savings cash-handling tariff's free deposit transactions are not additional to CDM/kiosk deposits—Canara clubs the cash channels when calculating entitlement.
  • Branch cash-withdrawal transaction charges explicitly exclude ATM/alternate-channel withdrawals, so the two fee systems must not be added or substituted for each other.
Research tools

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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
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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

Canara Bank ATM & Cash Recycler Services

Reviewed September 10, 2026 · 3 attached first-party sources

  1. Fee / charge schedulehttps://www.canarabank.bank.in/pages/service-charges-related-to-cards
  2. Fee / charge schedulehttps://www.canarabank.bank.in/pages/Non-Credit-and-Non-Forex-Service-Charges
  3. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75