ATM Services

Features & Benefits

RuPay Debit Card is accepted at BHingar Urban Co-op. Bank Ltd. ATMs, RuPay POS (Point of Sale), E-commerce, and NFS network ATMs across India.

Per Day Limits

Card Type	Cash Limit (Per Day)	PoS Limit (Per Day)
RuPay Debit	Up to Rs. 30,000/-	Rs. 50,000/-

Better Tracking: Receive instant SMS alerts on transactions. Toll-Free Number available for support.

Charges

S.No	Particulars	Charges
1	Rupay Debit cum ATM Card	Rs. 236 (inclusive of GST)
2	Card Replacement (Due to damage/Card Wedged by ATM machine/Card Loss	Rs. 236 (inclusive of GST)
3	Card Surrender by Card Holder	Rs. 236 (inclusive of GST)
4	Card Renewal Charges	Rs. 236 (inclusive of GST)
5	Annual Fee	Rs. 236 (inclusive of GST)
6	ATM Card Used in Metro cities like Mumbai, Delhi, Kolkata, Chennai, Bangluru, Hyderabad (Six Metro Cities) in Saving Bank account First 3 (Three) Transactions ( Including Financial & Non-financial Transaction in one month)	Nil
6	From 4th Transaction Onward	Financial: Rs. 20/-, Non-Financial: Rs. 9/- Inclusive of GST
7	ATM Card Used in Metro cities like Mumbai, Delhi, Kolkata, Chennai, Bangluru, Hyderabad (Six Metro Cities) in Current Account First 3 Transactions (Current Account)	Nil
7	From 4th Transaction Onward	Financial: Rs. 20/-, Non-Financial: Rs. 9/- Inclusive of GST

Note: All above charges are including with service tax.

TO HOT MARK CARD - Call on 0241-2972098 or visit nearest branch

Currently, RuPay Debit Cards are active for Domestic POS (Point of Sale) transactions only. (and not active for making payments through internet / online transactions )
For making payments through internet, RuPay Debit Cards service will be activated soon.
As per Bank’s policy, all the account holders are provided with RuPay Debit Card which is active on 2.00 Lac ATMs and most of the Domestic POS machines.
If Customer wish to have make online payments, pleases submit form to any of the The Bhingar Urban Co-op. Bank Ltd. branches

ATM Complaint Handling Procedure

ATM TRANSACTION FAILED ? & WHEN YOU WILL GET REFUND ?

With customer's complaint on declined or failed transactions to be resolved by bank within T+ 5 Working days from the date of transaction date.
Customer’s disputed complaint process/status will be handled as per below chart as per NPCI/RBI guidelines (updated from time to time as per guidelines).

Sr.No	Particulars	Turn Around Time (TAT- Period)	Customer Action	Bank Action	Result
1	Credit Adjustment	Within T+5 Calendar Days	N/A	Acquirer Bank will credit the decline transaction amount within TAT period	Customer refund the amount within TAT period
2	Chargeback Raise (CB)	Within 60 days from transaction date	Customer will raise the complaint within 60 days from transaction date	Customer Bank will raise Chargeback to Acquirer Bank	Chargeback is in process.
3	Chargeback - Acceptance / Re-presentment	Within 5 calendar days from the Chargeback raised date	N/A	If Chargeback Accepted: - Acquirer Bank is liable to credit the amount and Rs.100/- per day penalty from transaction day If Chargeback Re-presentment: - Acquirer Bank will check EJ logs and inform the customer, and proceed to Pre-arbitration	If Chargeback accepted: Customer receives transaction amount with penalty
4	Pre-arbitration (PA) Raise	Within 14 days from the next day of Re-presentment	Customer will give acceptance for this stage via Mail/Phone	Customer Bank will raise the complaint to next Pre-arbitration stage	PA is in process.
5	PA - Acceptance / Re-presentment	Within 7 calendar days from the Pre-arbitration date	N/A	If PA Accepted: - Acquirer Bank credits transaction amount and penalty If PA Re-presentment: - Acquirer Bank checks documents (EJ, Cash Tally, Cash verification, CCTV, etc.) and informs customer	If PA accepted: Customer receives transaction amount with penalty
6	Arbitration Raise	Within 14 calendar days after Pre-arbitration rejection	Customer accepts and pays Rs.500/- + GST for Arbitration	Customer Bank submits arbitration form (signed and stamped) to NPCI DMS. NPCI evaluates and decides	N/A
7	Arbitration Acceptance / Presentment	Within 14 calendar days from Arbitration raised date	N/A	Customer Bank informs result to customer If accepted: Transaction amount, penalty credited If rejected: Valid evidence and decision shared with customer	If Arbitration accepted: Transaction amount, penalty, and arbitration fees credited to customer

Note:This is the Bank from Whose ATM the cash is withdrawn attempted by the customer.

WHAT TO DO IF YOU DON’T KNOW.

Toll Free No: 0241-2972098

Email (Complaint Desk): support@bhingarbank.com

Email (ATM Support): atmsupport@bhingarbank.com

Website: www.bhingar.bank.in

Bhingar Urbon Co Op Bank Ltd. Toll Free No: 18002672911