ATM cash not received but money debited from your account? This is a common banking issue faced by many customers. In this article, check the customer care numbers and complaint email IDs of all major public and private banks in India to quickly report ATM transaction problems and get your money refunded.

ATM Cash Not Received but Money Debited – Customer Care Numbers of Indian Banks

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Sometimes customers face a situation where they withdraw money from an ATM, but the cash does not come out while the amount is debited from the bank account. This problem can happen due to network issues, technical errors in the ATM machine, or server problems.

If this happens to you, do not worry. In most cases, banks automatically reverse the amount back to the customer’s account after checking the ATM transaction details.

However, it is always better to report the issue to your bank immediately. Below is a list of customer care helpline numbers of major public sector and private banks in India where you can register a complaint.

Customer Care Numbers of Nationalised (Public Sector) Banks

Bank NameCustomer Care Number
State Bank of India1800 11 2211 / 1800 425 3800
Punjab National Bank1800 180 2222 / 1800 103 2222
Bank of Baroda1800 258 4455 / 1800 102 4455
Canara Bank1800 425 0018 / 1800 103 0018
Union Bank of India1800 22 22 44 / 1800 208 2244
Bank of India1800 103 1906
Central Bank of India1800 22 1911 / 1800 202 1911
Indian Bank1800 425 00000 / 1800 425 4422
Indian Overseas Bank1800 890 4445 / 1800 425 4445
UCO Bank1800 103 0123
Bank of Maharashtra1800 233 4526 / 1800 102 2636
Punjab & Sind Bank1800 419 8300

Customer Care Numbers of Private Banks

Bank NameCustomer Care Number
HDFC Bank1800 202 6161
ICICI Bank1800 1080
Axis Bank1860 419 5555 / 1860 500 5555
Kotak Mahindra Bank1860 266 2666
IndusInd Bank1860 500 5004
Yes Bank1800 1200
IDFC First Bank1800 419 4332
RBL Bank1800 121 9050
Bandhan Bank1800 258 8181
Federal Bank1800 420 1199

What To Do If ATM Does Not Dispense Cash

If your ATM transaction fails and money is debited, follow these steps:

1️⃣ Check your SMS or bank statement to confirm the debit.
2️⃣ Keep the ATM slip or note the ATM location, date, and time.
3️⃣ Call your bank’s customer care number immediately.
4️⃣ Register a complaint and keep the complaint reference number.
5️⃣ Wait for the bank to investigate the transaction.

In most cases, the bank reviews the ATM records and refunds the money automatically to the customer’s account.

Time Limit for Refund

According to banking guidelines in India, banks usually resolve ATM failed transaction complaints within 5 to 7 working days. If the issue is not solved within this time, customers can escalate the complaint.

How to File a Complaint with RBI

If the bank does not resolve the problem within the given time, you can file a complaint through the Reserve Bank of India complaint portal.

You can submit your complaint on the CMS (Complaint Management System) of RBI and provide the details of your ATM transaction and bank complaint reference number.

Bank Complaint Email IDs in India (For ATM Transaction Issues)

If the customer care call does not resolve your problem, you can also send a complaint email to your bank. Make sure to include your account number, ATM location, date, time, and transaction amount in the email.

Public Sector (Nationalised) Banks Complaint Email IDs

Bank NameComplaint Email ID
State Bank of Indiacustomercare@sbi.co.in
Punjab National Bankcare@pnb.co.in
Bank of Barodacustomercare@bankofbaroda.com
Canara Bankcustomercare@canarabank.com
Union Bank of Indiacustomercare@unionbankofindia.bank
Bank of Indiaboi.callcentre@bankofindia.co.in
Central Bank of Indiacustomercomplaints@centralbank.co.in
Indian Bankcustomercare@indianbank.co.in
Indian Overseas Bankcustomercare@iob.in
UCO Bankcustomercare@ucobank.co.in
Bank of Maharashtracomplaint@mahabank.co.in
Punjab & Sind Bankcomplaint@psb.co.in

Private Banks Complaint Email IDs

Bank NameComplaint Email ID
HDFC Banksupport@hdfcbank.com
ICICI Bankcustomer.care@icicibank.com
Axis Bankcustomer.service@axisbank.com
Kotak Mahindra Bankservice.bank@kotak.com
IndusInd Bankreachus@indusind.com
Yes Bankyestouch@yesbank.in
IDFC First Bankbanker@idfcfirstbank.com
RBL Bankcustomercare@rblbank.com
Bandhan Bankcustomercare@bandhanbank.com
Federal Bankcustomercare@federalbank.co.in

Tips for Sending a Complaint Email

When sending an email complaint, include the following details:

  • Your name and registered mobile number
  • Bank account number (last 4 digits is enough)
  • ATM location
  • Date and time of transaction
  • Amount debited
  • Transaction reference number

This helps the bank quickly investigate the issue and process the refund.

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