ICICI BankICICI Bank allows its regular savings account customers to make three transactions free of cost every month at its own ATMs, according to the bank’s website – icicibank.com. This includes transactions of financial as well as non-financial nature. In case of ATMs of other banks, ICICI Bank allows such customers three transactions free of cost in six metros (Mumbai, Delhi, Chennai, Kolkata, Bengaluru and Hyderabad) every month. Outside these metros, the bank allows five transactions free of cost every month. In both cases, the transactions include those of financial as well as non-financial nature, according to the ICICI Bank website.

FREE TRANSACTIONS IN A MONTH AT ICICI BANK ATMS FREE TRANSACTIONS IN A MONTH AT NON-ICICI BANK ATMS CHARGES BEYOND THE PERMITTED NUMBER OF FREE TRANSACTIONS
3  (inclusive of financial and non-financial) 3 in 6 metro locations (inclusive of financial and non financial)  Rs 20 per financial transaction and Rs. 8.50 per non financial transaction
5 in other location (inclusive of financial and non-financial)
Maximum of 5 in a month with a cap of 3 in 6 metro locations

Additional transactions – over and above the permitted number of free transactions in any case – are charged at Rs 20 per financial transaction and Rs. 8.50 per non-financial transaction, according to ICICI Bank.

HDFC Bank

HDFC Bank allows customers holding savings and salary accounts with it five transactions free of cost every month at its own ATMs, according to its website – hdfcbank.com. At ATMs of other banks, HDFC Bank allows such customers three transactions free of cost in metros and five transactions free of cost in non-metros, according to the bank.

ACCOUNT TYPE NO. OF FREE TRANSACTIONS PER MONTH AT HDFC BANK ATMS NO. OF FREE TRANSACTIONS PER MONTH AT OTHER BANK ATMS CHARGES BEYOND PRESCRIBED LIMIT OF FREE
Savings and salary account 5 3 at metro ATMs; 5 at non-metro ATMs Rs 20 plus applicable taxes for cash withdrawal; Rs 8.50 plus applicable taxes for non-financial transaction
Current account (Flexi, Plus, Max, Apex, Ultima, Merchant Advantage Plus and Supreme Current Account) Unlimited 3 at metro ATMs; 5 at non-metro ATMs Rs 20 plus applicable taxes for cash withdrawal and non-financial transaction

Additional transactions – beyond the permitted number of free transactions – are charged at Rs 20 plus applicable taxes per cash withdrawal, and Rs 8.50 plus applicable taxes per non-financial transaction, according to the HDFC Bank website.