Yes Bank New Rule: If you have an account in Yes Bank, then you need to know about the new rules of the bank which will come into effect from October 1, 2025. Customers are advised to check their accounts in time and make full preparations before these rules come into effect.
One of the top private banks in India has made a big change in the rules and announced several types of charges for its salary accounts. This bank has imposed fees for many types of services and has also made changes in ATM debit cards. All these new rules will come into effect from October 1, 2025.
This will also apply to those customers who have Smart Salary accounts as well as accounts like Advantage, Exclusive, Defense Pension and Agniveer. The bank we are talking about here is none other than the country’s well-known private bank Yes Bank.
These rules have changed
If you have a banking account in Yes Bank, then it’s time for you to be alert. If your salary or pension account is in Yes Bank, then there is an important update for you. The bank has decided to implement some new rules from October 1, 2025. These changes also include debit card charges, ATM transaction limits and check return charges.
Smart Salary Account – What has changed?
Now, if you apply online for Yes Bank’s Smart Salary Advantage, you will get RuPay Debit Card, for which you will have to pay a joining fee of ₹ 199. Those who use Smart Salary Exclusive or above separate accounts will be given Engage or Explore Debit Card.
The charges levied on these cards can be waived if the account holder has at least Rs 10,000 salary credited to his account every month or if he maintains the same average balance every month.
The salary account will remain zero-balance, but if salary is not credited to this account for three consecutive months, then it will be converted into a regular savings account. In such a situation, at least Rs 10,000 will have to be maintained as minimum balance every month. If this is not done, the bank can charge Rs 750 from the customer.
YES Bank has not made any changes in the charges on Defence and Pension accounts.
You will have to pay a charge for withdrawing money from ATM
The bank has changed the ATM withdrawal limit. With Yes Bank’s Smart Salary Advantage Account and Smart Salary Exclusive Account, customers can avail up to 3 free ATM transactions per month in metro cities and 5 free transactions in non-metro cities. Upon exceeding this limit, customers will be charged Rs 23 per financial transaction and Rs 10 per non-financial transaction.
Additionally, customers will be charged Rs 150 per transaction for international cash withdrawals and Rs 20 for balance enquiry.
If there is no money in your account and the transaction is not accepted at ATM or PoS (i.e. where payment is made through debit card), then you will have to pay Rs 25 for each transaction.
Cheque Bounce
A charge of Rs 500 will be levied for the first cheque bounce and Rs 750 will be levied for the second cheque bounce.
Cash deposit rules
RTGS, OIL And fund transfer within YES Bank will be completely free. The first 5 transactions of the month will be free for IMPS, after which a charge of Rs 2.5 to Rs 15 will be levied according to the amount of the transaction.
The monthly free cash transaction limit at Yes Bank branches is up to Rs 1 lakh or 2 transactions, whichever is earlier. Beyond this limit, a charge of Rs 4.5 per Rs 1,000 (minimum Rs 150) will be levied per transaction.
YES Vijay Account – What things have changed?
In this account, users will get Element and Engage Debit Card for free. Rest of the things are same as before.
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