ATM debited money but gave no cash? How to get it back and compensation
Updated 2026-10 · General information, not legal advice.
A failed ATM withdrawal should be reversed automatically within a few working days. If it is not, the bank owes you the money and, under RBI rules, compensation for each day of delay.
When to use this
- The ATM did not give cash but your account was debited
- The reversal has not come after several working days
- The bank rejected your complaint
Step by step
- 1
Keep the slip and statement
Keep the ATM slip if any, the SMS and your bank statement showing the debit.
- 2
Complain to your bank
Report at once through the bank's customer care or branch and get a complaint number. Do not delay.
- 3
Wait the working-day limit
Banks must usually reverse failed transactions within about 5 working days. After that, claim the compensation in writing.
- 4
Escalate to the RBI Ombudsman
If still unresolved, file free at cms.rbi.org.in with your complaint number and statement.
Key facts
- Under RBI rules the bank pays ₹100 per day for delay beyond the limit
- Report quickly; there is a time limit to report a failed transaction
- Using another bank's ATM does not change your rights
Get your free action plan
Tell us what happened. We show your options, draft the letters and track every deadline.
Common questions
How long does the bank have to reverse it?
Usually about 5 working days. Check the current RBI rule when you complain.
Do I get compensation?
Yes, RBI rules provide a per-day amount for delay beyond the limit.