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Do's and Don'ts for ATM Operations

FAQs on ATMs



For ATM related Issues Please contact:
Toll Free: 18002336427
Email: atmcell@denabank.co.in

Dena Bank Debit cum ATM Card offers you an easy and convenient way to do all your transactions and that too within a fraction of seconds.


Presently we have more than 1432* ATMs all across India and out of these ATMs, 24 ATMs with biometric based identification features have been installed including 21 ATMs in four tribal blocks in the state of Gujarat initiated by Development Support Agency of Gujarat Government (D-SAG). 
*as of 31.08.2014



Dena Bank offers the following types of cards:

1. Dena Insta Card (Un-named Debit Card)-RuPay

2. Dena Debit cum ATM Card (Named Debit Card) -RuPay

3. Dena Platinum Debit cum ATM Card –RuPay

4. Dena RuPay KCC Debit cum ATM card for DKCC holder

5. Dena ATM Card-Proprietory

6. Dena Insta Card (Un-named Debit Card)-VISA

7. Dena Debit cum ATM Card (Named Debit Card)-VISA

8. Dena EMV Chip Debit cum ATM Card (Named Debit Card)-VISA

9. Dena EMV Chip International Gold Debit Card -VISA


1. Dena Insta Card (Un-named Debit Card)RuPay

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India. This card will be issued at the counter along with the PIN. This card is also called as Un-named card as name of the card holder is not printed on the card. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing. 

2. Dena Debit cum ATM Card (Named Card)-RuPay

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India. Dena Debit cum ATM card has name of the customer embossed on the Debit card. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing..

3.Dena Platinum Debit Card- RuPay

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India. Dena Debit cum ATM card has name of the customer embossed on the Debit card. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing.

4.Dena RuPay KCC Debit cum ATM card for DKCC holder

This card can be used on Dena Bank & member Bank’s ATMs and can be used at POS Terminals in India.. Card has name of the customer embossed on the Debit card.


5. ATM Card

This card can be used on Dena Bank ATMs only and not on any other Bank’s ATMs or POS terminals.

6. Dena Insta Card (Un-named Debit Card) VISA

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India. This card will be issued at the counter along with the PIN. This card is also called as Un-named card as name of the card holder is not printed on the card. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing. Click here to know more about Verified by VISA services (VbV)..

 7. Dena Debit cum ATM Card (Named Card)-VISA

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India. Dena Debit cum ATM card has name of the customer embossed on the Debit card. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing.Click here to know more about Verified by VISA services (VbV)

8. Dena EMV Chip Debit cum ATM Card (Named Card)

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India and abroad. Dena Debit cum ATM card has name of the customer embossed on the Debit card. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing. Click here to know more about Verified by VISA services (VbV).

9. Dena EMV Chip International Gold Debit Card

Dena International Gold Debit card offers higher cash withdrawal limit on ATM and higher transactions limit on POS terminals. This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India and abroad. Card verification value (CVV2) enabled cards (printed on back side of card) can be used for purchase of goods on internet including e-ticketing. Click here to know more about Verified by VISA services (VbV)

Procedure for availing Debit Card Facility

1.Contact your Branch.

2.If you don’t have saving or Current Account, first open your account.

3.Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.

4.You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.

5.In case of named Debit Card,the card will be delivered to the customer’s residential address.The PIN will have to be collected from the respective Branch.

6.The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Dena Bank ATM.

The detailed terms and conditions can be seen by clicking here => Debit Card Users' Manual

Also for special additional Terms and Conditions for Gold Card please click here => Gold Card Special Terms . These are in addition to the Most Important Terms and conditions given with the delivery of the respective card.

Download User Manual for Platinum Card

Download User Manual for Rupay Card

Customer can perform following types of transactions:-

  1. Cash withdrawal
  2. Balance Enquiry
  3. Mini statement
  4. Fund Transfer
  5. Prepaid Mobile Recharge
  6. Verified by VISA transactions

The transaction limits for various types of cards are tabulated hereunder ( suggested to withdraw in multiple transactions of 5000 each if large amount is needed , as some ATMs do not support withdrawal of full 20000 in one transaction ) :

Type of Card

Cash Withdrawal

Purchase at Merchant Establishments

Accidental Insurance

Fund Transfer

Dena Insta Card(RuPay)

Up to Rs. 20,000/- per day

Up to Rs. 25000/-

per day

Rs.1,00,000/-

Up to Rs. 1,00,000/- per day

Dena Debit cum ATM Card & Dena EMV Chip Debit cum ATM Card (RuPay)

Up to Rs. 20,000/- per day

Up to Rs. 25000/-

per day

Rs.1,00,000/-

Up to Rs. 1,00,000/- per day

Dena Platinum Debit Card(RuPay)

Up to Rs. 50,000/- per day

Up to Rs. 2,00,000/-

per day

Rs.2,00,000/-

Up to Rs. 1,00,000/- per day

Dena RuPay KCC Debit cum ATM Card for DKCC holder (RuPay)

Up to Rs. 5,000/- per day

Up to Rs. 1,000/-

per day

Nil

Up to Rs. 1,00,000/- pe

Dena ATM Card

Up to Rs. 20,000/- per day

Not Applicable

Nil

Up to Rs. 1,00,000/- per day

Dena Insta Card(VISA)

Up to Rs. 20,000/- per day

Up to Rs. 25000/-

per day

Nil

Up to Rs. 1,00,000/- per day

Dena Debit cum ATM Card & Dena EMV Chip Debit cum ATM Card (VISA)

Up to Rs. 20,000/- per day

Up to Rs. 25000/-

per day

Nil

Up to Rs. 1,00,000/- per day

Dena EMV Chip International Gold Debit Card(VISA)

Up to Rs. 50,000/- per day

Up to Rs. 1,50,000/-

per day

Nil

Up to Rs. 1,00,000/- per day


Note:

You can link multiple accounts at different branches of Dena Bank to a single ATM / Insta / Debit cum ATM Card and Gold Card. The Account number of Debit cum ATM Card issuing branches will be the Primary account number and account at other Cards issuing branches link to the same card will be the Secondary account. Only primary account will be linked for POS and VbV transactions.

Free ATM Transactions and ATM Usage Charges

Click here to view transaction charges on other Banks' ATM

These charges are subject to change from time to time.

With effect from November 1,2014 ,number of Free ATM Transactions & ATM Usage charges will be as under:

1. Our Customer using Other Bank ATMs

· Being directives of RBI, the number of mandatory free ATM transactions for savings bank account customers at other banks’ ATMs will be three transactions per month (inclusive of both financial and non-financial transactions) for transactions done at the ATMs located in the six metro centres, viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad.

· Include areas of Navi Mumbai, Thane, Gurgaon, Noida, Faridabad, Ghaziabad, Howrah, North and South 24 Parganas along with the respective Metros.

·At other locations i.e. other than the six metro centres mentioned above, the present facility of five free transactions (inclusive of both financial and non-financial transactions) for savings bank account customers shall remain unchanged.

·Small / No frills / Basic Savings Bank Deposit/Financial Inclusion(PMJDY,DKCCaccount holders will continue to enjoy five free transactions at Metro as well as Non Metro locations.

·Irrespective of the location of ATMs, the total number of transactions(inclusive of financial and non financial) free of charge at other bank ATMs would continue to remain at maximum FIVE.

2. Our Customer using Our ATM

·Unlimited free transactions (inclusive of financial and non financial transactions) per month to all our customers for use of own bank ATMs at all locations for the period of one year.

·This policy for our customers at our ATM may be reviewed after one year based upon the analysis of usage of our ATMs.


Dena Bank ATM Sharing Arrangement

Dena Bank’s Insta / Debit / Gold Cards can be used on the following ATM sharing networks. The member banks of the multi-lateral sharing arrangements can be found in the respective websites of member Bank’s and networks.

1. Cash Tree ATM network. (www.cashtreeonline.com)

2. Cash net ATM network (www.cashnetindia.com)

3. Visa enabled ATM network

4. National Financial Switch (NFS) ATM Network (www.npci.org.in)


Fee for ATM / Insta / Debit cum ATM Card/ Gold Debit card

With effect from March 1st 2014 all charges related to various types of cards have been revised.

The revised charges are as under.

Card Type

Joining Fee

Annual Fee from 2nd Year (irrespective of balance)

PIN Regeneration

Issuance of Duplicate card

in case of loss/damage

Debit/Insta

Nil

100.00

50.00

100.00

Gold

500.00

500.00

50.00

100.00

Kisan

Nil

Nil

50.00

100.00

ATM

Nil

Nil

50.00

100.00

These charges are subject to change from time to time.

Format for filing Complaint for ATM transactions

As per the directive received from RBI, customers are requested to use the complaint form for lodging complaint for ATM transactions Click here to download the complaint form in case your account is debited but cash not dispensed.

Please submit the form to the branch that has issued the card.

Loss or Damage to the Card

In the event of loss or theft of your Dena Debit Card or for any kind of assistance related to ATM matter, please contact us at Toll Free No. 1800-2336427/ 022-26767132.






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