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Common questions for all ATMs
What should I do in case I have used my ATM/Debit Card at an HDFC Bank ATM or another bankís ATM and have not received the amount I wanted to withdraw or I have received less money?
If one of these scenarios occurs you should:
- Log a complaint with your local HDFC Bank PhoneBanking Number and you will be guided as to what to do.
- Visit your nearest HDFC Bank branch.
Am I eligible for compensation for delays beyond 7 working days?
Yes. Effective from July 1, 2011, a bank will have to pay you Rs. 100 per day for any delay beyond 7 working days, only if the complaint is lodged within 30 days of the date of the transaction. This will have to be credited to your account without any claim being made by you.
Can these cards be used at any bank ATM in the country?
Yes, the cards issued by banks in India can be used at any bank ATM within India.
What should I do in case my ATM / Debit Card gets stuck in another bankís ATM?
In case your HDFC Bank card gets stuck in another bank's ATM machine, please block your card immediately by either:
- Calling your local HDFC Bank PhoneBanking Number
- Visiting your nearest HDFC Bank Branch.
Do I incur charges if I use my HDFC Bank ATM / Debit Card at other bankís ATMs?
Yes, the use of other Bank ATMs will incur charges, the details of which are as follows:
|Charges on Other Bank's ATM Networks in India||Charges|
|For Current Account Debit Card Holders||Balance enquiry - Free
Cash withdrawal - Rs. 20* per transaction
|For Salary & Saving Account Debit Card Holders||Total of 5 ATM Financial and Non-Financial transactions per month at other Bank ATMs free of cost.
Charges from the 6th Transaction onwards:
* -- The revised charges are applicable, effective 15th October 2009, and are inclusive of service tax
** -- The revised charges are applicable effective 1st July 2011 and service tax extra For details on special pricing on Imperia / Preferred / Classic / Corporate Salary and Savings Max please contact your Branch Manager
How can I use the "Funds Transfer" option at the ATM?
To use the Funds Transfer option, you must have more than one Savings (single, either or survivor) or sole proprietorship Current Account linked to the same ATM / Debit Card. Visit your nearest branch and place a request to link your accounts to your ATM / Debit Card. You can link up to 16 accounts to one ATM / Debit Card.
How do I use my ATM?
Follow the steps mentioned below to use your ATM / Debit Card at an ATM:
- Insert your card into the ATM machine in the slot provided.
- Select your preferred language, i.e. English or Hindi.
- Enter your ATM PIN.
- Select the transaction you wish to conduct, eg: Cash Withdrawal, Balance Inquiry, etc.
- Select the account type. If you are using a Credit Card, select the "Credit" option.
- If you are making a withdrawal, enter the amount you wish to receive.
- Confirm that the amount is correct.
- Collect your cash, card and receipt.
If have forgotten my ATM PIN, how can I retrieve it?
You can place a request to regenerate your ATM PIN by either:
- Calling your local HDFC Bank PhoneBanking Number
- Visiting your nearest HDFC Bank Branch
Based on your request, your ATM PIN will either be dispatched to your recorded mailing address or to your nearest branch from where you can collect it in person.
In case the compensation is not credited as mandated, what recourse do I have?
In such a case you may lodge a complaint with the local Banking Ombudsman, if the bank does not respond.
Is there any minimum and maximum cash withdrawal limit per day?
Yes, each bank sets a limit for cash withdrawals. The cash withdrawal limit for use at the ATM of the issuing bank is set by the bank when the card is issued. The maximum withdrawal limit is displayed at the respective ATM locations.
For cash withdrawals at other bank’s ATMs, a maximum limit of Rs. 10,000 per transaction has been decided upon. This information is displayed at the ATM location itself.
What are the facilities offered at ATMs?
ATMs don’t only help to dispense cash. You can avail of various other services:
- Get account information
- Make cash deposit
- Pay bills
- Re-charge prepaid cards
- Get mini-statements
- Enquire about loans
The services may vary from bank to bank or may depend on the capacity of the machine to provide such services.
What does "Valid up to 01/10" on my card mean?
The first two numbers indicate the month and the next two indicate the year till when your card is valid. Here it implies that the ATM / Debit Card is valid up to January 2010.
What is a Personal Identification Number (PIN)?
A Personal Identification Number (PIN) is a unique numeric password you need to use an ATM. Your PIN is either mailed to your address or handed over to you by the bank when you are issued your card. You should reset your PIN at the ATM once you receive it. For security reasons, most banks force you to change your PIN when you first use your card.
Remember never to write your PIN on your card, card holder or anywhere that makes it easy for someone to read it. If someone knows your PIN your card can easily be misused if it is lost or stolen.
What is an Automated Teller Machine (ATM)?
An Automated Teller Machine is a computerised machine that offers bank customers the ability to access their accounts to withdraw cash and carry out other financial transactions without visiting a bank branch.
What is the maximum number of days that a bank will require to re-credit the account for wrong debits?
As per RBI instructions, a bank may re-credit wrongly debited amounts within a maximum period of 7 working days.
What should I do if I forget my PIN or my card gets stuck in an ATM machine?
If this happens you should contact your card issuing bank branch immediately and apply for its retrieval or for a new card.
What should I do if during the cash withdrawal process, I donít receive cash from the ATM but my account is still debited for the amount?
You can lodge a complaint with the card issuing bank. This is applicable even if the transaction was carried out at another bank’s ATM.
What should I do if I lose my card?
You should contact your card issuing bank immediately to block your card.
What should I do in case my ATM / Debit Card gets stuck inside an ATM machine?
When this happens you need to either:
- Lodge a complaint with the local HDFC Bank PhoneBanking Number
- Visit your nearest HDFC Bank Branch. You can request for your card to be delivered either to your mailing address (the one you have given to the Bank) or to the nearest branch where you will have to collect it in person.
What transactions can I perform using my ATM / Debit Card?
You can perform a whole host of transactions with your ATM / Debit Card. Here they are:
- Withdraw Cash - You have the advantage of personalised cash withdrawals at HDFC Bank ATMs
- View Account Balance
- Request for a Mini-Statement
- Change your ATM PIN
- Request for a Cheque Book
- Request for an Account Statement (for the period from the date of the 'Last Statement' to the date on which request has been made.)
- Transfer funds within accounts linked to the same card
- Pay your HDFC Bank Credit Card Bills
- Refill your Prepaid Mobile
- Deposit Cheques or Cash at our selected ATMs
- Request for your NetBanking Password
- Register for Mobile Banking
* Available at select HDFC Bank ATMs.
What type of cards can I use at an ATM?
You can use any ATM, Debit, Credit or Prepaid Card that permits cash withdrawals at an ATM. You can also use these cards for various other transactions.
Which cards can be used at HDFC Bank ATMs?
You can use the following cards at our ATMs:
MasterCard Credit Cards - Domestic/International
Cirrus ATM Cards - Domestic/International
Maestro ATM / Debit Cards - Domestic/International
VISA Credit Cards - Domestic/International
Plus ATM Cards - Domestic/International
VISA Electron ATM / Debit Cards - Domestic/International
All cards that can be used at our ATMs will need to have a Personal Identification Number (ATM PIN), which is issued by the Issuing Bank.
The Issuing Bank of the card defines the limits for cash withdrawals, number of PIN login attempts, and declines.
Will I incur any charge to have my ATM PIN re-generated?
You will be charged Rs. 25 (including taxes) to get your ATM PIN regenerated.
How fast will I receive the funds in my account in case money is not dispensed from another bankís ATM, after I have used it?
In case you get less or no cash from the other bank’s ATM then your HDFC Bank account will be credited for the disputed amount within 7 working days from the date you logged a complaint, if the complaint has been decided in your favour.
You will receive an amount of Rs. 100 per day (for every day beyond 7 days) for complaints decided in your favour if the disputed amount is not credited to your HDFC Bank account. This is only if the complaint is logged within 30 days of the date of the transaction.
Whom am I supposed to contact in case my card is lost or stolen?
In case your card is lost or stolen, please block your card immediately to avoid it from being misused. To block your card either:
- Call your local HDFC Bank PhoneBanking Number
- Log onto HDFC Bank NetBanking and block your card using the 'Hotlisting' option under 'ATM / Debit Cards'
- Visit your nearest HDFC Bank Branch and report your card lost
What is the maximum amount I can withdraw on my ATM Card / Debit Card at an ATM?
You can withdraw up to Rs. 10,000 per day using your ATM Card. Per day ATM Withdrawal limit on your Debit Card will be depended on the type of Debit Card held by you.
For HDFC bank ATM /Debit card used at Non-HDFC bank ATM, the daily withdrawal limit is Rs 10, 000.
Do banks levy any service charge for use of other bankís ATMs?
As advised by the RBI circular (Usage of ATMs - Rationalisation of number of free transactions) dated 14th August 2014, the banks can charge customers beyond three transactions on Other Bank ATMs at Metro locations & beyond five transactions on Other Bank ATMs at Non Metro locations. Additionally banks are also permitted to levy charges on customers for usage of Own Bank ATMs beyond a limit of 5 transactions per month. The cap on service charge that can be levied by banks is Rs. 20 plus applicable taxes per transaction. For detailed information, please check the respective bank's website.