ICICI Bank will revise several service charges across banking transactions starting July 1, 2025, including fees on demand drafts, ATM usage, cash deposits and withdrawals, and debit card services. The changes will apply to both metro and non-metro customers, with some exemptions for senior citizens.

According to the updated fee structure, demand drafts (DDs) issued through cash, cheque or account transfers will now attract a charge of Rs 2 per Rs 1,000, with a minimum fee of Rs 50 and a maximum cap of Rs 15,000 per transaction, according to an ET report.

ATM transaction charges revised

At non-ICICI Bank ATMs in metro cities (Mumbai, Delhi, Chennai, Kolkata, Bengaluru and Hyderabad), customers will continue to receive three free transactions per month, including both financial and non-financial. Beyond this, the bank will charge Rs 23 for financial and Rs 8.5 for non-financial transactions.

For non-metro areas, up to five free transactions will be permitted per month. The same charges apply beyond the free limit, but the total number of free transactions across all ATMs is limited to five per month, with a maximum of three in metros.

At ICICI Bank ATMs, customers are allowed five free financial transactions per month. Any further usage will be charged at Rs 23 per financial transaction, while all non-financial transactions remain free. Senior citizens are exempt from these charges.

For international ATM usage, ICICI Bank will charge Rs 125 for cash withdrawals, Rs 25 for non-financial transactions, and a 3.5% foreign currency conversion fee. Senior citizens are exempt from these as well.

Charges on IMPS transactions


Immediate Payment Service (IMPS) outward transaction charges will now be structured as follows:

  • Up to Rs 1,000: Rs 2.50 per transaction
  • Rs 1,001 to Rs 1,00,000: Rs 5
  • Rs 1,00,001 to Rs 5,00,000: Rs 15

Cash deposit and withdrawal limits

Cash deposits at branches and cash recycler machines (CRMs) will be free for the first three transactions per month. Beyond this, customers will be charged Rs 150 per deposit.

Further, deposits up to Rs 1 lakh per month are free, after which the bank will levy Rs 3.5 per Rs 1,000 or Rs 150, whichever is higher. If both the transaction count and value limits are breached in the same instance, the higher of the two charges will apply. Third-party deposits are capped at Rs 25,000 per transaction for regular savings account holders.

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