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Common questions for HSBC automated teller machines


What is an Automated Teller Machine?

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

What type of cards can be used at an ATM?

Debit cards, Credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs.

What are the services / facilities available at ATM?

HSBC India customers at HSBC India ATMs and Other Bank ATMs in India

  • Cash Withdrawal
  • Balance Enquiry

HSBC customers at HSBC India ATMs

  • Transfer funds instantly within own account, own credit card or any third party account held within HSBC India
  • Mini Statement
  • Request for a new Cheque Book
  • Request for Interim Statement
  • Deposit Cash / Cheque in the ATM1

How can one transact at an ATM?

For transacting at an ATM, the customer needs to authenticate his identity by inserting their card in the required ATM slot and entering their Personal Identification Number (PIN). Following successful authentication, they will be presented with the transaction menu to carry out their required transaction.

What is a Personal Identification Number (PIN)?

PIN is the numeric password for use at the ATM. Customers are advised to change the PIN on the first use to ensure security. 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.

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

Yes, banks set 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.

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

No charges are payable for using HSBC India ATMs by HSBC customers for any type of transactions.

What should be done in case during the cash withdrawal process, cash is not dispensed but the customer account gets debited?

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

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

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

Are the customers eligible for compensation for failed ATM transactions?

In the case of a failed ATM transaction, the banks have been mandated to re-credit the customer's account within 5 calendar days from the date of the failed transaction.

For any failure to re-credit the customer's account within 5 calendar days from the date of the failed transaction the bank shall pay compensation of INR100/-, per day, to the aggrieved customer. This compensation shall be credited to the customer's account automatically without any claim from the customer, on the same day when the bank affords the credit for the failed ATM transaction.

Providing credit within 5 calendar days would be applicable for domestic card transactions and not applicable for international card transactions.

In case the compensation is not credited as mandated, what recourse does the customer have?

For all such complaints customer may lodge a complaint with the local banking Ombudsman if the bank does not respond.

1 HSBC India offers envelope deposit functionality on selected ATMs at their branch locations.

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