Can You Deposit Money In An SBI ATM? Your Guide

Can you deposit money in an SBI ATM? Yes, you can deposit money at State Bank of India (SBI) ATMs, specifically at Automated Deposit cum Withdrawal Machines (ADWMs) or Cash Recyclers, offering a convenient way to manage your finances beyond traditional banking hours; money-central.com provides comprehensive resources to help you understand and utilize these services effectively, improving your financial management skills. Dive deeper to explore deposit options, security measures, and how to make the most of SBI’s ATM services, along with useful insights into financial transactions and banking convenience.

1. Understanding SBI ATM Deposit Functionality

Can you deposit money in an SBI ATM? Yes, SBI provides deposit facilities at its ATMs, but it’s essential to know the specifics.

• What are ADWMs? SBI’s Automated Deposit cum Withdrawal Machines (ADWMs), also known as Cash Recyclers, allow you to deposit and withdraw cash. These machines offer 24/7 availability, ensuring you can manage your funds anytime.
• Availability: While SBI has a vast network of over 64,000 ATMs in India, only approximately 12,000 are ADWMs that support cash deposits. Always check for the ADWM functionality before attempting to deposit.

2. How To Deposit Money At An SBI ATM (ADWM)

How can you deposit money in an SBI ATM? Here’s a step-by-step guide:

1. Locate an ADWM: Use the SBI ATM locator to find an ADWM near you.

2. Card-Based Deposit:

   • Insert your SBI debit card into the ADWM.
   • Enter your PIN.
   • Select the “Deposit” option.
   • Choose the account type (Savings/Current).
   • Follow the on-screen instructions to insert the cash into the designated slot.
   • Confirm the amount and complete the transaction.

3. Card-Less Deposit:

   • On the ADWM screen, select the “Card-less Deposit” option.
   • Enter the account number you wish to deposit into.
   • Enter the required details and insert the cash.
   • Confirm the details and complete the transaction.

3. Benefits of Using SBI ADWMs

What are the benefits when you deposit money in an SBI ATM? There are several advantages:

• 24/7 Availability: Deposit cash anytime, even outside banking hours.
• Convenience: Avoid long queues at bank branches.
• Accessibility: With a wide network of ADWMs, you can easily find one near you.
• Multiple Account Types: Deposit into Savings, Current, PPF, Loan, or RD accounts.

4. Types of Cards Accepted At SBI ATMs/ADWMs

What type of cards can you use when you deposit money in an SBI ATM? SBI ATMs and ADWMs accept a variety of cards:

• SBI Debit Cards: All debit cards issued by SBI.
• SBI Credit Cards: State Bank Credit Cards.
• Cards from Other Domestic Banks: Cards displaying Rupay, Maestro, MasterCard, Cirrus, VISA/VISA Electron, DFS/Discover/Diners Club International, JCB, and UPI logos.
• International Cards: Debit/Credit/Multi-currency Cards issued by banks outside India with the logos mentioned above.

5. Limits and Charges for Depositing Cash

Are there any limits when you deposit money in an SBI ATM? Knowing the limits and charges is essential:

• Withdrawal Limit: Other Banks’ cardholders can withdraw up to Rs.10,000 per transaction at SBI ATMs and ADWMs. Similarly, SBI Debit cardholders can withdraw up to Rs.10,000 per transaction at other Banks’ ATMs and ADWMs.
• YONO Cash: Minimum withdrawal is Rs.500 with a maximum limit of Rs. 20,000 (in multiples of Rs.500) per account, per day.

Alt text: Close-up of an SBI ATM, showcasing the card reader and cash deposit slot, illustrating the convenience of depositing funds directly into your account.

6. ATM Security Tips for Safe Transactions

How can you ensure safety when you deposit money in an SBI ATM?

• Sign Your Card: Sign on the reverse of the card immediately upon receipt.
• Change PIN Regularly: Change your card’s PIN frequently.
• Memorize PIN: Never keep the PIN with the debit card or write it down.
• Privacy: Do not let strangers come into the ATM room or help with transactions.
• Hide Keypad: Hide the keypad while entering your PIN.
• Transaction Slip: Do not throw the transaction slip in the ATM room.
• Card Safety: Always wait until the ATM returns to the idle mode.
• SMS Alerts: Register your mobile number with the bank to get SMS alerts for all transactions.
• Hotlist Card: Immediately report a lost card by calling the toll-free numbers provided by SBI.

7. Understanding ATM/ADWM Features

What features can you use when you deposit money in an SBI ATM?

• EMV Compliance: All SBI ATMs and ADWMs are EMV compliant, ensuring secure transactions through the card’s chip.
• Dual Functionality: ADWMs allow both cash deposits and withdrawals.
• OTP for High-Value Transactions: A 4-digit OTP is sent to the registered mobile number for transactions above Rs.10,000.
• Multi-Language Support: ATMs support English, Hindi, and 11 regional languages.
• Voice Guidance: SBI ATMs/ADWMs support voice guidance for visually impaired customers, adhering to IBA guidelines.
• Card-Based and Card-Less Transactions: Both types of transactions are supported.

8. Services Available At SBI ATMs/ADWMs

Apart from deposits, what other services are available when you deposit money in an SBI ATM?

• Debit Card Based Cash Withdrawal: Withdraw cash up to the daily limit of your SBI Debit Card.
• YONO Cash (Card-Less Cash Withdrawal): Initiate cash withdrawal through the YONO App and withdraw cash using the generated reference number and 6-digit YONO PIN.
• QR Based Card-Less Cash Withdrawal: Use the YONO-Lite App for QR Code based cash withdrawals at select ATMs and ADWMs.
• UPI QR Cash (Card-Less Cash Withdrawal): Withdraw cash using UPI Applications enabled for ICCW, with a limit of Rs. 5,000 per transaction and a maximum of two transactions per day.
• Card-Based Cash Deposit: Deposit cash into SBI Savings/Current accounts using your SBI Debit Card.
• Card-Less Cash Deposit: Deposit cash into various SBI accounts without using a card.
• Fast Cash: Withdraw preferred amounts with a single touch.
• Green PIN: Generate a new PIN for your card.
• PIN Change: Change your card’s PIN.
• Balance Enquiry: Check your account balance.
• Mini Statement: Get insight into the last 10 transactions in your account.
• Credit Card Payment (Visa): Pay your Visa credit card bill.
• SBI Credit Card Application: Apply for an SBI Credit Card.
• Cheque Book Request: Order a cheque book.
• Trust Donation: Make a donation to various charities.
• Mobile Number Update: Update your mobile number.
• Stop Cheque: Stop payment of an issued cheque.
• Limit Update of Debit Card: Change per-day transaction limits for ATM, PoS, eCommerce, and NFC.
• Channel Usage: Enable/disable channels like ATM, PoS, eCommerce, and NFC.
• KYC Confirmation: Confirm your KYC details.

9. Dos and Don’ts of ATM Transactions

What are the dos and don’ts when you deposit money in an SBI ATM?

Dos:

• Conduct transactions in privacy.
• Ensure the welcome screen is displayed after the transaction.
• Register your mobile number for transaction alerts.
• Be aware of suspicious activities around the ATM.
• Check if the card returned is yours.
• Look for suspicious devices attached to ATMs.
• Inform the bank immediately if the card is lost or stolen.
• Check transaction alerts and bank statements regularly.
• Report if cash is not dispensed.

Don’ts:

• Do not write the PIN on the card.
• Do not take help from strangers.
• Do not disclose PIN/OTP/card details to anyone.
• Do not allow the card to go out of sight during payments.
• Do not forget to collect your card after the transaction.
• Avoid speaking on the mobile phone while transacting.
• Do not wear helmets/sunglasses or cover your face.

10. How To Find An SBI ATM With Deposit Facility

Where can you find an SBI ATM that can deposit money?

• SBI ATM Locator: Use the SBI ATM locator on the official website to find ADWMs.
• SBI YONO App: The YONO app can also help locate nearby ATMs with deposit facilities.
• Google Maps: Search “SBI ADWM near me” on Google Maps for a list of nearby ATMs with deposit functionality.

11. Potential Issues and Troubleshooting

What are some potential issues when you deposit money in an SBI ATM?

• Machine Malfunction: If the ATM malfunctions during a deposit, immediately contact SBI customer care with details like the ATM ID, transaction time, and amount.
• Cash Jam: If the machine jams while inserting cash, do not force it. Press the cancel button and report the issue to SBI.
• Incorrect Amount Displayed: If the amount displayed on the screen is incorrect, cancel the transaction and start again. If the problem persists, contact SBI customer care.
• Card Stuck: If your card gets stuck in the ATM, immediately call SBI’s toll-free number to block the card and follow their instructions for retrieval.

12. Mobile ATMs/ADWMs

Does SBI have Mobile ATMs and how does it work when you deposit money in it? SBI has deployed Mobile ATMs/ADWMs that travel across various routes, offering banking services to the public. These mobile units provide the same functionalities as regular ATMs, including cash withdrawals and deposits.

13. Dynamic Currency Conversion (DCC)

Can foreign card holders deposit money in an SBI ATM? For international VISA and MasterCard cardholders, SBI offers Dynamic Currency Conversion (DCC), allowing transactions in their home currencies. This service supports 21 currencies, making it convenient for international users.

14. Value-Added Services (VAS)

What other value added services when you deposit money in an SBI ATM? SBI ATMs/ADWMs offer several Value-Added Services (VAS) for SBI Debit cardholders:

• Mobile Number Update
• Trust Donation
• Cheque Book Requests
• Debit Card Limits Modifications
• SBI Credit Card Application Requests

15. Contacting SBI Customer Care

How do you contact SBI customer care when you deposit money in an SBI ATM?

• Toll-Free Numbers:
  • 1800 1234
  • 1800 2100
  • 1800 11 2211
  • 1800 425 3800
• Toll Number: 080-26599990
• Reporting Unauthorized Transactions:
  • 1800 11 1109 (Toll-Free)
  • 94491 12211 (Mobile number, Toll-Free)
  • 080 – 2659 9990 (Toll number)

16. SBI Debit Card Details

What do you need to know when you deposit money in an SBI ATM using a debit card?

• Variety of Cards: SBI offers a range of debit cards to suit different needs.
• Merchant Establishments: These cards can be used at online and offline merchant establishments.
• ATM Network Access: SBI Debit cardholders can transact at any SBI ATM/ADWM.
• Free Transactions: All non-financial transactions (balance enquiry, mini statement, PIN change, VAS) are free for SBI Debit cardholders at SBI ATMs/ADWMs.
• Limited Free Cash Withdrawals: As per RBI guidelines, there are limited free cash withdrawal transactions for Savings Bank account holders per calendar month.
• Transactions at Other Banks’ ATMs: SBI Debit cardholders are entitled to free transactions at other domestic banks’ ATMs, with limits varying based on location (Metro vs. Non-Metro centers).

17. UPI QR Cash (Interoperable Cardless Cash Withdrawal – ICCW)

How to use UPI QR Cash when you deposit money in an SBI ATM?

• Availability: This feature is available at select ATMs/ADWMs.
• Functionality: Enables cash withdrawal through ATMs/ADWMs using UPI Applications enabled for ICCW.
• Customer Access: Customers of SBI and other banks live on ICCW can withdraw cash through SBI ATMs using the ‘UPI QR Cash’ facility.
• Transaction Limits: Amount limit up to Rs. 5,000 per transaction, with a maximum of 2 transactions per day (up to Rs.10,000 per day).

18. Card-Less Cash Deposit in Detail

What do you need to know when you deposit money in an SBI ATM without using a card?

• Account Types: SBI customers can deposit cash into Savings/Current/PPF/Loan/RD accounts.
• ADWM Requirement: This option is available at any SBI ADWM (Automated Deposit cum Withdrawal Machines or Cash Recyclers).
• Service Charges: Refer to the Schedule of Service Charges for applicable charges.
• Steps:
  1. Select “Card-less Deposit” on the ADWM screen.
  2. Enter the account number.
  3. Enter the required details.
  4. Insert the cash into the designated slot.
  5. Confirm the details and complete the transaction.

19. KYC Confirmation Through ATMs

How to confirm your KYC using ATM when you deposit money in an SBI ATM?

• Debit Card Requirement: SBI Debit Card holders can confirm their periodical KYC through ATMs.
• Conditions: Applicable if there is no change in their KYC and a valid cKYC is available with the Bank.
• Process: Follow the prompts on the ATM screen to confirm KYC details.

20. Contact Information for Assistance

What contact information should you use when you deposit money in an SBI ATM and need help? For any assistance, you can contact SBI’s 24×7 Customer Care:

• Toll-Free Numbers:
  • 1800 1234
  • 1800 2100
  • 1800 11 2211
  • 1800 425 3800
• Toll Number: 080-26599990
• For Reporting Unauthorized ATM Transactions:
  • 1800 11 1109 (Toll-Free)
  • 94491 12211 (Mobile number, Toll-Free)
  • 080 – 2659 9990 (Toll number)

21. State Bank’s Networked ATM Services

How does state bank’s network help you deposit money in an SBI ATM? State Bank offers a vast network of over 64,000 ATMs/ADWMs across India, which is the largest ATM network in the country. This extensive network ensures that customers have convenient access to cash withdrawal and deposit facilities 24×7. The ADWMs within this network support both card-based and card-less cash deposits, enhancing accessibility and convenience for SBI customers.

22. Kinds of Cards Accepted at State Bank ATMs / ADWMs

Besides State Bank Debit cards, what other cards can you use to deposit money in an SBI ATM? State Bank ATMs and ADWMs accept a wide range of cards, including:

• State Bank Credit Cards
• Cards issued by other Domestic Banks (of India) displaying Rupay, Maestro, Master Card, Cirrus, VISA / VISA Electron, DFS / Discover / Diners Club International, JCB, UPI logos
• All Debit / Credit / Multi-currency Cards issued by any Bank outside India displaying Rupay, Maestro, Master Card, Cirrus, VISA / VISA Electron, DFS / Discover / Diners Club International, JCB, UPI logos

This broad acceptance ensures that a diverse customer base can utilize SBI’s ATM services.

23. ATM Network Access and Enhanced Convenience

How does State Bank provide enhanced convenience when you deposit money in an SBI ATM? SBI Debit cardholders can transact at any SBI ATM / ADWM at their convenient time. All Non-financial transactions (like Available Balance Enquiry, Mini statement, Card PIN change, VAS etc.) are FREE for SBI Debit cardholders at any SBI ATM / ADWM. As per RBI Guidelines, there are limited Free cash withdrawal transactions for SBI Debit cardholders using SBI ATMs / ADWMs, during a calendar month (for Savings Bank account holders only).

24. Customer Awareness: Do’s and Dont’s of ATM Transactions

What should you do and not do when you deposit money in an SBI ATM?

Do’s:

• Conduct your ATM transactions in complete privacy, never let anyone see you entering your PIN (Personal Identification Number) (ATM Password)
• After completion of transaction, ensure that welcome screen is displayed on ATM screen
• Ensure your current mobile number is registered with the Bank so that you can get alerts for all your transactions
• Beware of suspicious movements of people around the ATM or strangers trying to engage you in conversation.
• Do check if the card given to you by the merchant after completion of the transaction is your card
• Look for extra devices attached to the ATMs that looks suspicious
• Inform the Bank if the ATM / Debit card is lost or stolen, immediately to block it, report if any unauthorised transaction.
• Check the transaction alert SMSs and Bank statements regularly
• If cash is not dispensed and ATM does not display “cash out” please report to the Customer care of the Bank mentioned below.
• Immediately check your phone for SMS for debit amount.

Dont’s:

• Do not write your PIN on the card. It is advisable to memorise your PIN number
• Do not take help from strangers or handover your card to anyone for using it
• Do not disclose your PIN / OTP / card details like card number, expiry date, CVV / Internet Banking Passwords / UPI PIN / YONO Apps PIN / YONO Apps Password to anyone, including bank employees and family members
• Do not allow the card to go out of your sight when you are making a payment.
• Do not forget to collect your card from the machine after your transaction.
• Avoid speaking on the mobile phone while you are transacting.
• Do not wear helmets / sunglasses or cover face while transacting at machines.

25. ATM Security Tips

How can you keep your ATM transactions safe when you deposit money in an SBI ATM?

• Please sign on the reverse of the card immediately on receipt.
• Change your card’s PIN regularly.
• Never keep the PIN with the debit card or write on it. Always memorize it.
• Do not provide the card and PIN details to anyone, including Bank / IBA / RBI / Govt. agency / family / friends, etc., Bank or any other institution will never ask for this information.
• Do not let strangers come into the ATM room or take their help to complete the transactions.
• Hide the keypad while keying in your PIN at ATM / POS terminals.
• Do not throw your transaction slip in the ATM room as it contains your account information.
• Always wait till the ATM returns to the idle mode and the green light is blinking.
• Insist on swiping your card in your presence in hotels / shops / malls, etc.
• Never swipe / tap your card at POS machines kept at unknown temporary stalls.
• Block and destroy your old card, when you get a new one. Register your mobile number with the Bank to get SMS alerts for all transactions
• Hotlist your card immediately on losing it.

26. Fast Cash Service

How can you use fast cash service when you deposit money in an SBI ATM? This is a service that enables you to withdraw your preferred amounts with just a touch. The options in the denomination of 100, 200, 500, 1000, 2000, 3000, 5000, 10,000 are available. This allows for quick and convenient cash withdrawals.

27. Trust Donation Service

How can you use trust donation service when you deposit money in an SBI ATM? Make a donation to your favorite charity. Examples include:

• JAMMU KASHMIR PM RELIEF FUND
• BIHAR C M RELIEF FUND
• ORISSA CM RELIFE FUND
• CLEAN GANGA FUND
• BLIND PEOPLES ASSOCIATION IND
• TIBETAN VOLUNTARY HEALTH ASSOC
• DALAILAMA RELIGIOUS
• SHRI KASHI VISHWANATH BANARASBLIND PEOPLES ASSOCIATION IND
• SHRI MATA VAISHNO DEVI DONATION
• SHRI MATA VAISHNO DEVI YATRA PARCHI
• SHRI MAHAKALESHWAR MANDIR
• SHRI SAIBABA SANSTHAN SHIRDI GENERAL DONATION
• SHRI SAIBABA SANSTHAN SHIRDI ANNADAN FUND
• SHRI SAIBABA SANSTHAN SHIRDI BUILDING FUND
• SHRI SAIBABA SANSTHAN SHIRDI MEDICAL FUND
• SHRI SAIBABA SANSTHAN SHIRDI EDUCATION FUND
• TIRUMALA TIRUPATI DEVASTHANAMSHUNDI
• SHRI JAGANNATH TEMPLE PURI
• SRI DARBAR SAHIB AMRITSAR
• MA VIDHYAVASINI TEMPLE
• MANTRALAYAM
• SHRI KANCHI FOUNDATION
• AAROGYASRI
• RAMAKRISHNAMISSION AURANGABAD
• TULJABHAVANI TEMPLE
• PALANI MURUGAN TEMPLE
• CHAMUNDA DEVI
• JWALAMUKHI
• MATA SHRI BRAJESHWARI DEVI
• DAKOR TEMPLE COMMITTEE
• SHREE DWARKADHISH MANDIR
• SHRI MANSA DEVI SHRINE MATA
• CHANDRODAYA RELIGIOUS TRUST
• SHREE SHANKHESWAR PARASNATH JA
• SHREE ARASURI AMBAJI MATA DEVA
• SHREE SOMNATH TRUST
• SANKAT MOCHAN TRUST TARA DEVI
• SHREE TARA DEVI TEMPLE TRUST
• SHRI HANUMAN TEMPLE TRUST
• DAGDUSHETH GANAPATI
• BAIDYANATH TEMPLE DEOGHAR
• PASHUPATI AREA DVL TRUST

28. Limit Update of Debit Card Service

How can you use limit update of debit card service when you deposit money in an SBI ATM? SBI Debit card holders can change the per day transaction limits of ATM, PoS, eCommerce (online transactions), NFC (i.e., contactless or Tap&Go feature of card) within the prescribed limits applicable for that Debit card variant. Please refer to the “Cards” section for the daily limits of each channel {ATM, PoS, eCommerce (online transactions), NFC (i.e., contactless or Tap&Go feature of card)} for all SBI Debit Cards variants.

29. Channel Usage Service

How can you use channel usage service when you deposit money in an SBI ATM? SBI Debit card holders can enable / disable any channel {ATM, PoS, eCommerce (online transactions), NFC (i.e., contactless or Tap&Go feature of card)}. Enable / disable of Domestic / International usage of Debit Card can also be done through ATMs. This provides greater control over how your card is used.

30. ATM / ADWM Features

What are the key features available when you deposit money in an SBI ATM?

• All ATMs and ADWMs are EMV Compliant, capable of processing the transactions through the highly secured EMV chip of the cards.
• ADWMs have the dual functionality, i.e., to deposit cash and to withdraw cash.
• For prevention of un-authorized transactions, 4-digits OTP is sent on the registered mobile number of SBI Customers for all transactions of above Rs.10,000/-, done at SBI ATMs / ADWMs using SBI Debit Cards.
• SBI Customers can transact in English / Hindi / Regional Languages. Currently, 11 Regional Languages are supported which are displayed based on the location of the ATM / ADWM.
• SBI ATMs / ADWMs support Voice Guidance feature (“Talking ATMs”) as per IBA Guidelines.
• All our SBI ATMs and ADWMs support card-based and card-less transactions.

FAQ Section

1. Can I deposit a check at an SBI ATM?
No, SBI ATMs typically do not support check deposits. They are primarily designed for cash deposits and withdrawals.

2. What should I do if the SBI ATM doesn’t dispense cash after a transaction?
Report the incident immediately to SBI Customer Care and check your account for any debit entries.

3. Are there any charges for depositing cash at an SBI ADWM?
Service charges may apply depending on the type of account and the number of transactions. Refer to the Schedule of Service Charges on the SBI website.

4. Can I deposit cash into someone else’s SBI account using an ADWM?
Yes, you can deposit cash into another person’s SBI account using the card-less deposit option at an ADWM.

5. What is the maximum amount I can deposit at an SBI ADWM in a day?
The maximum deposit limit may vary based on the account type and any applicable regulations. Check with SBI for specific limits.

6. What if the cash gets stuck while depositing in SBI ATM?
Do not force the cash into the machine. Cancel the transaction and report the issue immediately to SBI Customer Care.

7. What if the SBI ATM displays an incorrect amount during the transaction?
Cancel the transaction immediately and start again. If the issue persists, contact SBI Customer Care.

8. What is YONO Cash, and how is it related to ATM withdrawals?
YONO Cash is a card-less cash withdrawal service that allows SBI customers to initiate a cash withdrawal through the YONO app and complete it at an SBI ATM using a reference number and PIN.

9. Can I update my mobile number at any SBI ATM?
Yes, SBI Debit cardholders can update their mobile number at any SBI ATM.

10. What should I do if I suspect fraudulent activity on my SBI Debit card?
Immediately block your card by calling the SBI toll-free numbers and report the incident to the nearest SBI branch.

Understanding the functionality and features of SBI ATMs, especially ADWMs, ensures you can efficiently manage your banking needs, and remember, money-central.com is here to provide you with the knowledge and tools for financial success. With convenient deposit options, robust security measures, and a wide range of services, SBI ATMs are designed to enhance your banking experience.

Visit money-central.com for more articles, tools, and expert advice to take control of your financial future. Whether you’re looking to improve your budgeting, explore investment opportunities, or manage debt, money-central.com offers comprehensive resources tailored to your needs. Address: 44 West Fourth Street, New York, NY 10012, United States. Phone: +1 (212) 998-0000.