ATM Banking FAQs

Transactions at ICICI Bank ATMs:

First 5 transactions (Financial and non-financial) in a month - Free

Thereafter, ₹23 per financial transaction and ₹8.50 per non-financial transaction.

ATM Interchange (Transactions at Non-ICICI Bank ATMs):

First 3 transactions (Financial and non-financial) in 6 metro locations (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad) in a month - Free

First 5 transactions (Financial and non-financial) in all other locations in a month - Free

Maximum of 5 transactions are free in a month with a cap of 3 free transactions in 6 metro locations

Thereafter, ₹23 per financial transaction and ₹8.50 per non-financial transaction

Please note that 18% Goods and Service Tax (GST) w.e.f. Jul 1, 2017 is applicable on the charges.

Yes, banks have set a limit for cash withdrawal by customers. The cash withdrawal limit for use at the ATM of the issuing Bank is set by the Bank during the issuance of the card.

For cash withdrawals at other bank ATMs, banks have decided to maintain a limit of ₹10,000 per transaction. This information is also displayed at the ATM locations.

Transaction charges applicable at non-ICICI Bank ATMs are:

1. First 3 transactions (Financial and non-financial) in 6 metro locations (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad) in a month - Free
2. First 5 transactions (Financial and non-financial) in all other locations in a month - Free
3. Maximum of 5 transactions are free in a month with a cap of 3 free transactions in 6 metro locations

Thereafter, ₹23 (exclusive of Goods and Services Tax) per financial transaction and ₹8.50 (exclusive of Goods and Services Tax) per non-financial transaction

These charges are subject to revision.

Please note that 18% Goods and Services Tax (GST) w.e.f. Jul 1, 2017 is applicable on the charges.

An ATM Card is used primarily for cash withdrawals at ATMs. However, a Debit Card can be used for cash withdrawals at ATMs, as well as for purchases online or at retail outlets through direct debit of your linked bank account.

To generate a PIN for your ICICI Bank Debit Card please follow the below steps.

PIN generation through ATM:

Step 1: Insert you’re your Debit Card

Step 2: On the Language screen, Select ‘Generate PIN / Forgot PIN’ option

Step 3: Select ‘Generate OTP’ option

Step 4: Enter the registered mobile number

Step 5: Enter the Date of Birth as registered with the bank in DDMMYYYY format

The OTP will be delivered on your registered mobile number through SMS.

Generation of ATM PIN after OTP is received:

Step 1: Insert your Debit Card

Step 2: On the Language screen, Select ‘Generate PIN / Forgot PIN’ option

Step 3: Select ‘Already have OTP, Generate ATM PIN’ option

Step 4: Enter the OTP received on the registered mobile number

Step 5: Enter your new ATM PIN

Step 6: Re-enter your new ATM PIN

The PIN will be successfully generated.

PIN generation through Net Banking:

Step 1: Log into your Net Banking Account using User ID and Password > Click on MY CARD PIN > Debit Card PIN > Generate now > Enter the required details and Submit.

Step 2: OTP will be sent on the registered mobile number.

Step 3: Enter Debit Card grid values, enter OTP and click on ‘Submit’

Step 4: Enter a 4 digit card PIN, re-confirm the Debit Card PIN and click on 'Generate now'

click here to generate PIN for your Debit Card.

PIN generation through iMobile:

Login to ICICI Bank iMobile app > Click on Smartkeys & Services > Click on Card Services > Generate Debit Card PIN. Enter the required details and ‘Submit’.

PIN generation through Customer Care:

Please call our Customer Care on 1800 1080 from your registered mobile number.

To know the local Customer Care numbers, please click hereclick here.

You can also write to us at customer.care@icici.bank.in for further assistance.

We request you to call our Customer Care on 1800 1080 between 7:00 a.m. and 9:00 p.m. from your registered mobile number and share details of the transaction, so that we can provide a resolution.

To know the local Customer Care numbers, we request you to click here.

No.

For transacting at an ATM, insert (swipe) your ATM / Debit Card in the ATM and enter the Personal Identification Number (PIN) and follow the onscreen instructions.

Walk in to any of our branches and get an answer to your query personally. To locate the nearest ICICI Bank branch, visit maps.icici.bank.in/mobile.

You can pay your Credit Card bills at any ICICI Bank ATM via the below path:

• More Options > Credit Card/Loans Payments > Select product as Credit Card > Enter your 15 or 16 digit Credit Card number > Enter the amount you wish to pay > Confirm > Collect confirmation receipt.

You can pay towards your Loan EMIs at any ICICI Bank ATMs via the path below:

• More Options > Credit Card/Loans Payments > Select product as Home Loans or Other Loans > Enter the 11-digit numeric part of the Loan Account Number (LAN) > Enter the amount you wish to pay > Confirm > Collect confirmation receipt.

• Cash Deposit in CRM
• Mini/Short Statement
• Fund Transfer
• Opening of Fixed Deposit
• Cheque Book Request
• PIN Generation
• Cardless Cash Withdrawal
• Loan Repayment

The services offered may vary from bank to bank or may depend on the capacity of the machine to provide such services.

Yes, after a successful transaction, payments would reflect instantly on your Credit Card.

In a day you can transfer amount upto ₹1 lakh.

Yes, you can withdraw the funds, however by default your primary account will be debited.

We request you to call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. Please prefix the number with the STD code of your city.

To know the Customer Care numbers, we request you to check the below link:

Alternatively, you may write to us at

customer.care@icici.bank.in for further assistance.

Please visit the nearest branch to update your mobile number.

Please visit the nearest ICICI Bank branch along with your original photo ID proof. Once the request is placed, your mobile number will be updated in 2 working days. To locate the nearest ICICI Bank branch, visit maps.icici.bank.in/mobile.

For discrepancy cases in an ICICI Bank ATM:

If the cash is not received or if less cash is received from an ICICI Bank ATM, we request you to wait for 2 hours and the amount would be reversed to your account automatically. If the disputed amount is not refunded to your account after 2 hours, call our Customer Care from your registered mobile number.

For discrepancy cases in a non-ICICI Bank ATM:

If the cash is not received from other bank ATM's, we request you to call our Customer Care from your registered mobile number to register the complaint. To know the local Customer Care numbers, please.

click here

Or write to us at customer.care@icici.bank.in with your Savings Account number, date of transaction, amount of transaction and any other details regarding the transaction that you may have from your registered e-mail ID for further assistance.

Yes, premature withdrawal is allowed as per existing Terms and Conditions, subject to premature withdrawal penalty as applicable.

Customers with joint Savings Account with mode of operation - Either or Survivor can request for FD creation through the ATM channel.

FD creation request will be processed instantly through ATM.

All resident Indian & NRI customers, who have ICICI Bank Resident Savings or Salary Account, holding a Debit Card and PIN can apply for an FD through ATM. Current Account holders do not have the facility to open an FD through an ATM channel.

No. After a successful transaction, Loan payments would reflect in your statement in a maximum of 3 working days.

No. This feature is not available via ATM. Please visit the nearest ICICI Bank branch or contact Customer Care.

Yes. As per RBI guidelines, ICICI Bank will credit the incorrectly debited amount within a period of 5 days from the date of transaction. However, in cases wherein the Bank fails to re-credit the account within 5 days from the date of the said ATM transaction, a compensation at ₹100 per day will be paid by the Bank to the customer, from the date of transaction.

As per the RBI instruction, the issuing bank may re-credit such wrongly debited amounts within a maximum period of 5 working days.

As per the RBI guidelines, the issuing bank may credit the amount of a failed transaction within a maximum period of 5 working days.

For all such issues, you may lodge a complaint with the local Banking Ombudsman if the Bank does not respond.

The customer has an option to reset the PIN through the iMobile app or he/she may contact Customer Care/branch.

PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the Bank while issuing the card. This PIN has to be reset to a new PIN by the customer.

Most banks mandate the customers to change the PIN on the first use. The PIN number should not be written on the card, card holder etc. as in such cases the card can be misused if the card is lost/stolen.

The ATM/Debit Cards issued by banks in India should be enabled for use at any bank ATM within India.

The ATM Cards/Debit Cards, Credit Cards and Prepaid Cards(that permit cash withdrawal) can be used at ATMs for various transactions.

Automated Teller Machine is a computerised machine that provides bank customers the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.

If you have not received cash or received less cash through an ATM, we request you to register your complaint by following the below mentioned steps:

Via Net Banking:(For ICICI Bank ATM)

Login to Net Banking with your User ID and Password > Customer Service > Service Request > Bank Accounts > More > Account Transaction Related > Query Regarding Cash Withdrawal from ICICI Bank ATM > Enter the required details and ‘Submit’

Via Net Banking: (For Non-ICICI Bank ATM)

Login to Net Banking with your User ID and Password > Customer Service > Service Request > Bank Accounts > More> Account Transaction Related > Query Regarding Cash Withdrawal from Non-ICICI Bank ATM > Enter the required details and ‘Submit’.

Via Customer Care:

You may also call our Customer Care from your registered mobile number. To know the local Customer Care numbers, pleaseclick here

Via ICICI Bank branch :

Please visit the nearest ICICI Bank branch along with a valid ID proof. To locate the nearest ICICI Bank Branch, visit maps.icici.bank.in/mobile.

To find the nearest ICICI Bank ATM, please visit www.icici.bank.in (Non-logged in section) > Locate Us > Find branches and Automated Teller Machines (ATMs) near you .