(FAQ) ATM SERVICES
Q. What are the restrictions on free use of ATMs?
A. From 1st April 2009, the customers were given free access to ATMs of all banks for cash withdrawal and balance enquiry. Reserve Bank of India and Indian Bank Association has decided to modify this facility. Accordingly, with effect from 15th October 2009, a customer of some other bank using an ATM of State Bank of India can withdraw a maximum of Rs.10, 000/- per withdrawal. From 01st July 2011, a SB account customer of State Bank of India using ATMs of other banks will be able to do 5 free transactions (Financial or Non-Financial) in a month an will have to bear service charges from the 6th transaction of the calendar month onwards.For other account holders all such withdrawals will be charged.
Q. Who can apply for ATM-cum-Debit Card?
A. Any individual account holder having Savings Bank or Current Account, single, or joint account operated as Either or Survivor / Former or Survivor / Later or Survivor/ Anyone or Survivor / Pensioners, NRE account holders.
Q. When will I receive my ATM-cum-Debit Card and PIN?
A. You will receive your card within 7 working days after submitting the application, directly by Speed post at your recorded address. Kindly collect your PIN from the card issuing branch after receipt of the card and carry your card / passbook as identity proof.
Q. What are the functions of call centre?
A. Call centre gives information about following issues relating to ATMs/ ATM cards and PINs: -
Q. When ATM-cum-Debit card is lost or misplaced what immediate steps are to be taken?
A. Following immediate steps to be taken: -
Contact Toll free 7x24 help line on 1800 4253800,1800 112211 (from BSNL/MTNL land lines), inform loss of card and make request to HOT/BLOCK the card and stop the operations of the card on the network.Please note to take ticket number from the Contact Centre. In case customers are not able to contact the Contact Centre for hot-listing there cards, they can approach any branch of State Bank. Inform immediately the card issuing branch telephonically about the loss of card followed by written request to make the card HOT.
Q. Can a replacement ATM card be issued in lieu of lost/damaged card ?
A. Yes, Replacement ATM card is issued at a nominal charge of Rs.300/- + GST
Q. What is the validity of ATM-cum-Debit Card?
A. ATM cards issued after 13th November, 2002 with Maestro Logo have no expiry date.
Q. If lost card is subsequently found/traced and restored to cardholder, can it be reactivated?
A. An EMV Chip based SBI Debit Card which has been blocked by the customer through any identified channel can be unblocked by submitting such request at an SBI Branch. However, Magstripe Debit Cards including Maestro Debit Cards of SBI cannot be unblocked through any channel, once it is blocked.
Q. What is Fast Cash?
A. It is withdrawal of pre-specified amount. At present Rs.100/- or Rs.200/- or Rs.500/- or Rs.1000/- or Rs.2000/- or Rs. 3000/- or Rs.5000/- or Rs.10000/- can be withdrawn from a primary account to be designated by the customer
Q. What is Cash Withdrawal?
A. Card holder can withdraw minimum of Rs.100/- , maximum Rs.40,000/- (and in multiples of Rs.100/-) per day subject to availability of balance in the account.
Q. What to do if you are getting the message on the ATM "INVALID CARD" ?
A. There could be a track problem with the card. First, the customer should try transaction on some other ATM on State Bank Group Network, and if he is getting the same message, the card has to be replaced.
Q. Does Bank bears any liability for unauthorized use of the Card?
A. No. The responsibility is solely vested with the cardholder.
Q. What is Mini Statement?
A. It is statement of account showing last few transactions, in the account.
Q. Is the facility available at all the time?
A. No, Statement of account can be obtained only when online link to customers account is available, i.e. CBS is on line otherwise it will give code 72.
Q. How can the existing NRI customers apply for ATM-cum-Debit Cards?
A. The existing NRI customers can make simple request to the branch concerned. The form for International ATM-cum-Debit Card can be down loaded from our web site.
Q. How secrecy of PIN is maintained?
A. If at any time customer feels that the PIN has been inadvertently or otherwise divulged to any one, he should change the same immediately. In your interest, we give
Q. How often PIN can be changed?
A. PIN can be changed as often as required at State Bank ATMs. This is to maintain secrecy and prevent any misuse of the ATM-cum-Debit card.
Q. What are the transaction limits for International Cards
A. Transaction limit of USD 1000 each per day per account for withdrawal of cash from ATM and purchases up to USD 1000 at POS terminal separately is permitted (i.e. total permissible withdrawal at POS terminals and ATMs will be USD 2000 per day.). However, transactions should be within limits as per RBI guidelines, which are likely to change from time to time.
Q. Who decides the exchange rate?
A. The exchange rate to convert the transaction currency will be decided by Master Card International and exchange rate to convert USD into Indian Rupee will be decided by Bank.
Q. What is the procedure for cards reported lost or stolen?
A. The cardholder should immediately contact the toll-free help line no. 1800 4253800 ,1800 112211 (from BSNL/MTNL land lines) , from abroad, to report the loss of card. The help line will ask some questions in case of domestic card and specific security questions in case of International ATM-cum-Debit Card about the cardholder viz. Fathers first name, mothers maiden name, Date of birth, year of passing secondary school examination, year of marriage to establish the identity of the caller. After confirmation, the card will be blocked and a system generated ticket number will be provided to the caller.
Q. Is Bank responsible for the refusal by any Merchant Establishment (ME) or Point Of Sales to accept or honour the card?
A. No. Nor is the Bank responsible in any respect for the goods or services supplied to the cardholder.
Q. How Can I make my SBI Credit Card payments through State Bank ATMs?
A. If you are a State Bank ATM Card holder you can make your SBI credit card payments at over 26000 State Bank ATMs.
Just follow these simple steps below: -
After completing the registration, you will have to wait for one working day/ 24 hours, to make a payment.
You can make the SBI Credit Card Payment at any State Bank ATM from the next working day.
Note : - In case if you wish to deregister a SBI Credit Card, select the "Deregistration" option.
Please ensure you make your payments 4 days before the payment due date on your SBI Credit Card bill to enable us to process your payment and update your account.
Q. How Can I make my SBI Life premium payments through State Bank ATMs?
A. You can pay SBI Life premium through State Bank ATMs. To avail this facility, register option with SBI Life quoting the policy number. Form for registration is available at www.sbilife.co.in.
Q. How many banks' ATMs are available for withdrawal through State Bank ATM-Cum-Debit Card?
A. In order to increase the convenience of our customers, the Bank has entered into arrangement for multilateralsharing of ATM network with 59 Banks under NFS. Besides this our customers have access to ATMs of all other banks displaying Master Card/ Maestro/Cirrus logo across the country/ abroad.As such all our customers who are holding ATM-Cum-Debit Card can use any of their ATM. The Transaction cost on these ATMs is as under: -
(* Plus Service Tax and Education Cess as applicable)
Q. I transacted on on other bank ATM and my account has been debited twice/account debited and cash not dispensed / the transaction was unsuccessful. What is the procedure to get the refund for such transaction?
Q. I paid my shopping bill at Maestro enabled Merchant Establishment (POS). My account has been debited twice/account debited but the transaction was unsuccessful. What is the procedure to get the refund for such transaction?
A. Kindly reportimmediately to our Contact Centre through 1800 4253800, 1800 112211 (toll free). You will be provided a ticket number for the complaint. Later you can track the complaint with our Contact Centre using this number. You can also send SMS to them "ATM ticket number" to 567676, for e.g. ATM AT429212345. the time limit for lodging such claims is 60 days from the date of transaction.
Q. After how many days will I get my money back?
A. As per RBI guidelines, the customers account should be credited within 7 working days from the date of the complaint.
Q. I was not aware about 60 day's time frame for lodging complaint. So can I lodge the same now i.e. after 60 days? Are there any chances that I will get my money back?
A. The claim can be lodged after 60 days to 120 days from date of transaction in good faith. Credit will be provided to the customer account only after recovery acceptance from the acquiring bank. However as per NCPI guidelines, claims for failed ATM transactions done on other bank ATMs cannot be lodged after 120 days from date of transaction.
We give below some useful tips about safe keeping of your Card and the precaution to be taken to prevent misuse/ frauds.
General Guidelines/ Safety tips:
Taking care of your card:
Did you know..?
Please note that the Bank bears no liability for the unauthorized use of the Card and the responsibility is fully of the Cardholder.