RBI

Free ATM transactions not to include failed transactions due to technical reasons – RBI

Free ATM transactions not to include failed transactions due to technical reasons – RBI

RBI has taken note that banks are including transactions that have failed due to technical reasons, non-availability of currency in ATMs, etc., in the number of free ATM transactions and charging fee on excess transactions.

The RBI has clarified that transactions which fail on account of technical reasons like hardware, software, communication issues; non-availability of currency notes in the ATM; and other declines ascribable directly / wholly to the bank / service provider; invalid PIN / validations; etc., shall not be counted as valid ATM transactions for the customer. Consequently, no charges therefor shall be levied.

Further, non-cash withdrawal transactions (such as balance enquiry, cheque book request, payment of taxes, funds transfer, etc.), which constitute ‘on-us’ transactions (i.e., when a card is used at an ATM of the bank which has issued the card) shall also not be part of the number of free ATM transactions.

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