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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 ATM Card

2. Dena Insta Card (Un-named Debit Card)

3. Dena Debit cum ATM Card (Named Debit Card)

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

5. Dena EMV Chip International Gold Debit Card

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

1. ATM Card

This card can be used on Dena Bank ATMs only and not on any other Bank’s ATMs or POS terminals. The procedure for availing this card is given hereunder.

  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. Mention in the form that only ATM card is required.
  4. Within 10 days, you will receive your ATM Card to your address given to the Bank.
  5. On receipt of the Card the customer has to go to the Branch to collect the PIN (Personal Identification Number).
  6. Activate your card immediately by withdrawing cash from Dena Bank ATM.

2. Dena Insta Card (Un-named Debit Card)

This card can be used on Dena Bank & member Bank’s ATMs and POS Terminals in India and abroad. 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). The procedure for availing this card is given hereunder.

  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. 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.

3. Dena 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). The procedure for availing this card is same as for ATM Card.

4. 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). The procedure for availing this card is same as for ATM Card.

5. 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).

6. 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 and abroad shortly. Card has name of the customer embossed on the Debit card.
The procedure for availing this card is same as for ATM Card.

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

Fund Transfer

Dena ATM Card

Up to Rs. 20,000/- per day

Not Applicable

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

Dena Insta Card

Up to Rs. 20,000/- per day

Up to Rs. 25000/-

per day

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

Dena Debit cum ATM Card & Dena EMV Chip Debit cum ATM Card 

Up to Rs. 20,000/- per day

Up to Rs. 25000/-

per day

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

Dena EMV Chip International Gold Debit Card

Up to Rs. 50,000/- per day

Up to Rs. 1,50,000/-

per day

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

Dena RuPay KCC Debit cum ATM Card for DKCC holder 

Up to Rs. 5,000/- per day

Up to Rs. 1,000/-

per day

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.


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

Charges

Customers (who are having savings a/c linked to the debit card) are allowed first 5 transactions on other Bank’s ATMs free of cost per calendar month which includes cash withdrawal and balance enquiry both and transaction above 5 will be charged.


Customers having current account linked to the debit card will be charged (right from the first first transaction i.e cash withdrawal or balance enquiry done using current account) on other Bank’s ATMs.

Click here to view transaction charges on other Banks' ATM.

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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