ATMs with no fees for foreign cards

#1 Mar 25th, 2017, 01:04
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#1
Hello,
could anyone list ATMs that do not charge any fees for withdrawals with non-Indian debit or credit cards?
I mean only fees charged by the ATM itself - I understand that fees charged by the card-issuing bank may vary wildly.
Thanks in advance!
#2 Mar 25th, 2017, 14:49
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#2
In my experience most don't.
I think HDFC might.
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#3 Mar 25th, 2017, 14:54
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#3
I don't think ATM's would charge an amount for withdrawing cash. If there is then I am not aware of it.
#4 Mar 25th, 2017, 16:03
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#4
Quote:
Originally Posted by aarosh View Post I don't think ATM's would charge an amount for withdrawing cash.
I have experienced it.
#5 Mar 25th, 2017, 18:30
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Thanks! What about SBI? I will be travelling to areas where SBI ATMs are apparently most common.
#6 Mar 25th, 2017, 21:56
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meczco, as far as I know, State Bank (SB of Something) ATMs are plentiful and do not charge you when you use a non-SB cars, Indian or foreign.

Axis is about the next most common. A private bank, more shark-like, but again, as far as I know, no charges.

I do not use my non-Indian card for cash much, as my non-Indian bank foreign-transaction charges make it cheaper to do a transfer to my Indian and draw cash from there. As far as I can remember, I have only been charged once by the Indian machine, and I think that was HDFC.
#7 May 16th, 2017, 20:59
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#7
Quote:
Originally Posted by meczko View Post Hello,
could anyone list ATMs that do not charge any fees for withdrawals with non-Indian debit or credit cards?
I mean only fees charged by the ATM itself - I understand that fees charged by the card-issuing bank may vary wildly.
Thanks in advance!
I have not been in India for over a year now. I intend going back next month. In my experience, before the demonetisation brouhaha, there was no problem withdrawing money using a bank card (note: not debit card which I personally consider less safe than bank and credit cards in that order) issued by my credit union in the US. Only HDFC charged R200 per transaction, the other banks that I tried (mostly state-owned, SBI, BoI, PNB, CBI and also HSBC and Axis) did not.

I am a bit worried how things have changed with foreign ATM bank card withdrawals. Can anyone confirm if things have changed?
#8 May 16th, 2017, 22:19
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#8
Quote:
using a bank card (note: not debit card
Something different that you Americans have? My "bank card " (UK and Indian) is a debit card.

(Sorry, I have not used a non-Indian card here since DeMon. And, I'm curious... but my UK bank account is all spent at the moment so I can't be a guinea pig)
#9 May 17th, 2017, 00:02
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#9
Quote:
Originally Posted by Nick-H View Post Something different that you Americans have? My "bank card " (UK and Indian) is a debit card.
Perhaps. The banks here would love us to use their debit card (less liability for them, I guess) but an ATM card has only one function: to withdraw money/make account enquiries at an ATM. One can also use it at a POS -- it is better for the merchant because there is no transaction fee unlike a debit/credit card (from what I understand).

Quote:
Originally Posted by Nick-H View Post (Sorry, I have not used a non-Indian card here since DeMon. And, I'm curious... but my UK bank account is all spent at the moment so I can't be a guinea pig)
OK, thanks. Perhaps someone else can confirm. This is worrisome to say the least.
#10 May 17th, 2017, 09:36
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No idea what is worrisome.

- Can the foreign bank cards be used on Indian ATM ? Yes. Most are part of Plus or Cirrus networks. Demonetization had nothing to do with ATMs, except the supply demand mismatch that has eased since.
- Could some of the ATMs charge a withdrawal fee? Yes. Seen that, never seen excessive charges.
- Are some ATMs free. Yes, but I can't tell which ones.
#11 May 17th, 2017, 20:42
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#11
Quote:
Originally Posted by kmalik View Post No idea what is worrisome.

- Can the foreign bank cards be used on Indian ATM ? Yes. Most are part of Plus or Cirrus networks. Demonetization had nothing to do with ATMs, except the supply demand mismatch that has eased since.
- Could some of the ATMs charge a withdrawal fee? Yes. Seen that, never seen excessive charges.
- Are some ATMs free. Yes, but I can't tell which ones.
Thanks. I was most concerned about not being able to withdraw money from my US bank out for my local expenses. Not all places take credit cards.
#12 May 17th, 2017, 22:26
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#12
Simples take a stash of cash, in a secure place of course! Change at the best moneychanger you can get.

DEMO has not changed the Indians love of a deal.
#13 May 18th, 2017, 09:55
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The one annoying thing about the ATM transactions in India with US ATM card (or perhaps any card belonging to a different bank) is the Rs. 10000 max withdrawal limit per transaction. Annoying but you will get over it.
#14 May 18th, 2017, 16:03
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#14
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the Rs. 10000 max withdrawal limit per transaction. Annoying but you will get over it.
Annoying but you will pay for it, if your home-country bank imposes a per-transaction fee on use of the card abroad.
#15 May 18th, 2017, 17:51
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#15
Definitely. Most US banks do. Definitely do not appreciate it, but it is just the cost for the convenience one needs to accept. I was mainly warning the first time visitors, as it is not obvious. Often the machines simply reject the transaction request for a larger amount without providing a clue that Rs. 10000 would work.

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