Sometimes we need to transfer a bigger amount than usual — maybe for paying college fees, booking travel, purchasing goods, or sending money to family. But suddenly, the transaction fails because of a daily limit.
If you are a Yes Bank customer and facing this issue, don’t worry. In this guide, I’ll explain in simple language how you can increase your transaction limits for UPI, ATM/Debit Card, and Net Banking.
Why Does Yes Bank Set Transaction Limits?
Banks set limits mainly for:
Security reasons
Fraud prevention
Regulatory guidelines (RBI/NPCI rules)
Customer risk profile
These limits protect your money. However, if you genuinely need a higher limit, there are ways to adjust it.
1️⃣ How to Increase Yes Bank UPI Transaction Limit
What is the Current UPI Limit?
For most customers:
Maximum ₹1,00,000 per day
Around 20 transactions per day (varies by app)
This limit is generally fixed as per NPCI guidelines.
Can You Increase UPI Limit?
In most cases, the basic ₹1 lakh limit cannot be increased for regular peer-to-peer transfers. However, you can still try the following:
✅ Steps to Ensure Maximum UPI Limit
Complete Full KYC
Make sure your bank account KYC is fully updated.
Incomplete KYC can reduce limits.
Use the Official Yes Bank App
Try using the Yes Bank mobile banking app instead of third-party apps if facing restriction.
Avoid Frequent UPI PIN Changes
Multiple PIN resets can temporarily restrict limits.
Contact Customer Care
If you need higher limits for specific purposes (like IPO, insurance, tax payments), contact Yes Bank support and ask about category-based higher limits.
📞 You can call Yes Bank customer care: 1800 1200 or 1800 2100
2️⃣ How to Increase Yes Bank ATM / Debit Card Limit
Your debit card has different types of limits:
ATM cash withdrawal limit
Online shopping limit
POS (swipe machine) limit
International transaction limit
The good news is — you can modify most debit card limits yourself.
✅ Method 1: Increase Limit via Net Banking
Login to Yes Bank Net Banking
Go to Debit Card Section
Select Manage Card Controls / Transaction Limits
Adjust your preferred limit (within allowed maximum)
Confirm using OTP
The change is usually instant.
✅ Method 2: Increase Limit via Mobile Banking App
Open Yes Bank Mobile Banking App
Select your Debit Card
Go to Card Controls
Increase ATM / Online / POS limit
Confirm with OTP
❗ Need Higher Than Allowed Maximum?
If you need a limit above the app-allowed maximum:
Visit your nearest Yes Bank branch
Submit a written request
Carry ID proof
Explain the reason (for example: property payment, business transaction, etc.)
Approval depends on your account profile and transaction history.
3️⃣ How to Increase Yes Bank Net Banking Transfer Limit (IMPS / NEFT / RTGS)
Net banking usually allows higher limits compared to UPI.
Common Transfer Types:
IMPS – Instant transfer
NEFT – Scheduled batch transfer
RTGS – Large value transfer
How to Increase Net Banking Limit
✅ Step 1: Check Current Limit
Login to Net Banking → Fund Transfer → View Limits
✅ Step 2: Modify Limit Online (If Option Available)
Some customers can increase limits directly through settings.
✅ Step 3: Submit Request at Branch
If online option is not available:
Visit branch
Fill fund transfer limit enhancement form
Provide valid ID proof
Bank may increase limit after verification
Usually, customers with:
Good account history
Regular transactions
Updated KYC
have better chances of approval.
Important Things to Remember
✔ Transaction limits are for your security
✔ Never share OTP or PIN with anyone
✔ Keep your mobile number updated
✔ Complete KYC to avoid restrictions
✔ Large transfers may trigger security verification
Quick Summary Table
Service
Default Limit
Can Increase?
How
UPI
₹1,00,000/day
Mostly Fixed
KYC + Contact Bank
Debit Card
Depends on card type
Yes
App / Net Banking / Branch
Net Banking
Varies
Yes
Online or Branch Request
Final Words
If your Yes Bank transaction is failing due to limit issues, don’t panic. In most cases, limits can be adjusted easily through mobile banking or net banking. For very high transfers, visiting the branch is the safest option.
Before requesting an increase, always make sure:
Your KYC is updated
Your account is active
There are no restrictions like “No Debit” marking
If needed, contact customer care for clear guidance.
