ATM Charges: ATM Users Face New Fees Starting April 1, 2026 Starting April 1, 2026, significant changes in banking services across India have taken effect, impacting ATM users. The most notable adjustments involve withdrawal charges and transaction limits, which have raised concerns about their effect on everyday consumers. These changes, particularly in ATM-related policies, have created a new environment where users must be more cautious with their transactions to avoid additional fees. The updated regulations, effective from April 1, 2026, focus on modifying the terms for ATM withdrawals. A key change involves the inclusion of UPI-based withdrawals in the free transaction limits. Previously, UPI transactions were treated separately, but now they are counted alongside standard ATM transactions. This adjustment means users must be mindful of their free transaction limits, as exceeding them could result in charges of up to ₹23 per transaction, along with applicable taxes. Under the new rules, most banks allow five free ATM withdrawals per month. However, this limit now includes UPI-based transactions. For example, Punjab National Bank has reduced its daily cash withdrawal limit from ₹1 lakh to ₹50,000 for standard debit cards, and from ₹1.5 lakh to ₹75,000 for premium cards. HDFC Bank has also updated its policies to treat UPI withdrawals as standard transactions, with charges applying once the free limit is exceeded. Bandhan Bank maintains a monthly limit of five free transactions, but these now cover both financial and non-financial transactions, potentially exhausting the limit more quickly. The changes have prompted users to plan their transactions more carefully.#hdfc_bank #bandhan_bank #atm_charges #punejab_national_bank #upi_transactions
