Bandhan Bank New Rules 2027: Complete Guide for Customers

Introduction

Bandhan Bank is one of India’s well-known private sector banks, offering savings accounts, current accounts, fixed deposits, loans, debit cards and digital banking facilities. As banking services continue to evolve, customers need to stay informed about changes in account maintenance requirements, ATM transactions, service charges and digital payment facilities.

The Bandhan Bank New Rules 2027 topic is particularly important for savings account holders, senior citizens, salaried employees, business owners and customers who regularly use ATMs and online banking.

Although the bank has published several updates during 2026, customers should check the latest official notifications before treating any proposed 2027 change as confirmed. Here are the important banking areas to understand.

1. Savings Account Minimum Balance Rules

One of the most important things customers should understand is the minimum balance requirement.

Bandhan Bank offers different types of savings accounts, and the required balance depends on the account category. For example, the bank’s published Standard Savings Account information lists a monthly average balance requirement of ₹2,000.

The bank also announced a reduction in the Standard Savings Account monthly average balance requirement from ₹5,000 to ₹2,000, effective February 1, 2026.

Customers should understand the following points:

• Check the minimum average balance applicable to your account.

• Maintain the required balance throughout the relevant calculation period.

• Check the applicable non-maintenance charges.

• Review official bank notifications before changing your account balance.

• Contact customer care if you are unsure about your account category.

Customers should not assume that every Bandhan Bank account has the same minimum balance requirement.

2. ATM Withdrawal Rules and Transaction Charges

ATM withdrawal facilities are an important part of everyday banking. Bandhan Bank customers should pay attention to the number of free ATM transactions available every month.

According to published information about the bank’s April 1, 2026 ATM changes, customers can receive up to five free financial transactions at Bandhan Bank ATMs, with additional conditions for other-bank ATMs.

For other-bank ATMs, the reported free transaction limits are:

• Metro cities: Three transactions per month.

• Non-metro cities: Five transactions per month.

The applicable limits depend on the account and debit card category.

After the applicable free transaction limit, reported charges include ₹23 for financial transactions and ₹10 for non-financial transactions. An ATM transaction declined because of insufficient funds may also attract a charge of ₹25, according to the published schedule.

Before withdrawing money, customers should check their account’s latest ATM fee schedule to avoid unnecessary charges.

3. KYC Update Rules for Bandhan Bank Customers

Know Your Customer (KYC) is an important banking requirement in India. Banks use KYC information to verify customer identities and maintain accurate account records.

In 2027, customers should continue to pay attention to KYC requirements and any applicable bank notifications.

Important documents may include:

• Aadhaar card, where applicable.

• PAN card or Form 60, where applicable.

• Valid identity documents.

• Address proof.

• Updated contact details.

Customers should also check whether their registered mobile number and address are correct.

If the bank requests updated KYC information, customers should complete the process through an authorised Bandhan Bank branch or an official digital channel.

Never share your OTP, ATM PIN, internet banking password or debit card details with anyone claiming to complete your KYC.

4. UPI and Digital Banking Guidelines

Digital payments have become an essential part of daily life. Bandhan Bank customers can use digital banking services for money transfers, bill payments and account-related activities.

Customers should regularly check the latest instructions regarding:

• UPI transaction authentication.

• Daily payment limits.

• Mobile banking security.

• Internet banking access.

• Beneficiary registration.

• Transaction notifications.

The RBI’s digital payment security framework and other applicable regulations may influence how banks authenticate transactions.

Customers should use the official mBandhan mobile banking application and verified banking channels for financial transactions.

If a UPI payment fails but money is deducted from the account, customers should check the transaction status and follow the bank’s official complaint procedure.

5. Debit Card Rules and Service Charges

Bandhan Bank provides different debit card options depending on the account type.

Customers should understand that debit card benefits and charges can differ between card categories.

Important areas to check include:

1. Annual debit card maintenance fees.

2. Card replacement charges.

3. ATM withdrawal charges.

4. International ATM usage charges.

5. Daily transaction limits.

6. Online payment restrictions.

The bank also publishes debit card-related notices, including updates to daily transaction limits and card benefits.

Customers planning to use their debit cards for shopping, online purchases or international transactions should review the latest applicable terms.

6. Fixed Deposit and Savings Interest Rate Rules

Fixed deposits and savings accounts are popular banking products for customers looking for savings and predictable returns.

Bandhan Bank publishes interest rate information through its official rates and charges section.

Interest rates may change depending on market conditions, RBI policy decisions, deposit tenure and bank policies.

Customers interested in fixed deposits should compare:

• Deposit tenure.

• Applicable interest rate.

• Premature withdrawal conditions.

• Senior citizen benefits, where applicable.

• Tax deduction requirements.

• Automatic renewal conditions.

For savings accounts, customers should check the latest applicable interest rate rather than relying on older advertisements or social media posts.

The bank’s official rates and charges page provides updated rate information.

7. NEFT, RTGS and IMPS Transaction Rules

Money transfers are an important part of modern banking. Bandhan Bank customers can use electronic payment facilities to transfer money between accounts.

Different payment methods serve different purposes:

• NEFT: Suitable for electronic bank-to-bank transfers.

• RTGS: Generally used for high-value transfers.

• IMPS: Provides an instant money transfer facility.

Customers should check the latest transaction charges, limits and processing conditions before transferring money.

Bandhan Bank previously announced revisions to selected NEFT and RTGS service charges effective December 1, 2025. This demonstrates why customers should regularly check the current schedule rather than assume older charges remain unchanged.

8. Account Security and Fraud Prevention Rules

Account security should be a priority for every banking customer in 2027.

Online banking fraud, fake customer care numbers, phishing links and fraudulent payment requests can put customer funds at risk.

Follow these important precautions:

• Never share your OTP with another person.

• Do not disclose your ATM PIN.

• Avoid clicking unknown banking links.

• Use a strong mobile banking password.

• Enable transaction notifications.

• Report suspicious transactions immediately.

• Use only official banking applications.

Customers should also avoid installing unknown applications that request access to their phones or banking information.

9. Important Things Customers Should Check in 2027

Before using banking services in 2027, Bandhan Bank customers should review their account information and the latest official announcements.

These are important areas to monitor, not a claim that every listed rule will change in 2027.

10. How to Check the Latest Bandhan Bank Rules

Customers should always rely on official information instead of unverified social media posts.

You can follow these steps:

1. Visit the official Bandhan Bank website.

2. Open the Notices section.

3. Check the latest savings account updates.

4. Review ATM and debit card charges.

5. Check updated interest rates.

6. Contact customer support if you need clarification.

Conclusion

The Bandhan Bank New Rules 2027 topic is important for customers who want to manage their money safely and avoid unnecessary banking charges. Minimum balance requirements, ATM withdrawal limits, KYC updates, debit card charges, UPI security and digital banking facilities are among the major areas customers should monitor.

However, customers should remember that not every banking update is a new 2027 rule. Some changes discussed in this article were introduced during 2025 and 2026. Any new 2027 requirements should be confirmed through official Bandhan Bank announcements or applicable RBI notifications.

Staying informed, maintaining accurate KYC information and regularly checking account statements can help customers enjoy safer and smoother banking services.