ATM Banking FAQs Axis Bank ATM Banking

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Important Information

FAQs

What is an Automated Teller Machine (ATM)?

Automated Teller Machine is a computerised machine that provides ihe customers of banks 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.

What type of cards can be used at an ATM?

ATM cards/debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for various transactions.

What are the services/facilities available at ATMs?

In addition to cash dispensing ATMs may have many services/facilities such as:

Account information
Cash Deposit
Regular bills payment
Mini /Short Statement

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

How can one transact at an ATM?

For transacting at an ATM, the customer inserts (swipes) their card in the ATM and enters their Personal Identification Number(PIN).

How can one generate Credit Card PIN through ATM?

Click here for Credit Card PIN through ATM FAQs You can generate PIN for your Credit Card by visiting any Axis Bank ATM. The step by step process is as given below: A) For customers who are generating Credit card PIN for the first time

Step 1: Insert your Axis Bank Credit Card at any Axis Bank ATM and select “Set PIN” Option on the screen. For first time users the ATM screen will display another screen displaying “Generate OTP” option.
Step 2: Once card inserted the card number will be captured by the ATM machine but the next screens, you will be prompted to enter account details* (Date of Birth, Card Expiry and registered mobile number) and activation passcode/OTP received on registered mobile number. Enter the activation passcode/OTP as requested.
Step 3: On successful entry of the above details, you will be prompted to set your desired PIN on the next screen and re-confirm the same.
You shall receive a confirmation message at your registered Mobile number from Axis Bank once your PIN is successfully generated

B) For customers who have generated OTP/ activation passcode and have not generated Credit card PIN

Step 1: Insert your Axis Bank Credit Card at any Axis Bank ATM and select “Set PIN” Option on the screen. For users who already have an valid OPT received on Registered Mobile number the ATM screen will display another screen displaying “Set pin having an OTP” option.
Step 2: Customer will be asked to enter the Once activation passcode/OTP which had been received on registered mobile number. Enter the activation passcode/OTP as requested.
Step 3: On successful entry of the above details, you will be prompted to set your desired PIN on the next screen and re-confirm the same.
You shall receive a confirmation message at your registered Mobile number from Axis Bank once your PIN is successfully generated

Please note:

To use this functionality, your mobile number and Date of Birth must be registered with us. Please contact your nearest Axis Bank branch for registering these details if not registered already.
*For Joint account holders, details as per Primary account holder (Date of Birth, Card Expiry and registered mobile number) need to be provided on the ATM screen to set PIN on the Joint account holder.
Activation pass code/OTP will be received on customer registered mobile number and will be valid for 3 hours or one time usage whichever is earlier

Can these cards be used at any bank ATM in the country?

Yes. The cards issued by banks in India should be enabled for use at any bank ATM within India.

What is a Personal Identification Number (PIN)?

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. The PIN number should not be written on the card, card holder etc. as in such cases the card can be misused if card is lost/stolen.

What should one do if he forgets PIN or the card is sucked in by the ATM?

The customer may contact the card issuing bank branch and apply for retrieval/issuance of a new card. This procedure is applicable even if the card is sucked in at another bank's ATM.

What should be done if the card is lost/stolen?

The customer may contact the card issuing bank immediately on noticing the loss so as to enable the bank to block such cards.

Is there any minimum and maximum cash withdrawal limit per day?

Yes, the bank sets 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 and may depend on the type of account/card.
For cash withdrawals at other bank ATMs, banks have decided to maintain a limit of Rs. 1O,OOO per transaction.

Do banks levy any service charge for use of other bank ATMs?

No charges are payable for using other banks' ATM for cash withdrawal and balance enquiry, as RBI has made it free under its "Free ATM access policy" since April 01, 2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, banks charge maximum of Rs. 20 per transaction.

What should be done in case during the cash withdrawal process, cash is not disbursed by the account gets debited for the amount?

The customer may lodge a complaint with the card issuing bank. This process is applicable even if the transaction was carried out at another bank’s ATM.

Safe Banking Practices

Online Banking is an extremely convenient way to access you bank account, but it pays to be aware of the ways in which you can protect yourself and your money