Effective May 1, 2022

For GIB Savings Advantage, Maximum of ` 500/- per month For GIB Savings Exclusive, Maximum of ` 750/- per month

Payment Services
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer - NetBanking / Mobile Banking Free
RTGS Payment - Branch Per Transaction Charges: ` 25- Above ` 2 Lacs and upto ` 5 Lacs;
` 50- Above ` 5 Lacs
RTGS Payment - NetBanking / Mobile Banking Free
NEFT Payment - Branch Per Transaction Charges:
` 2.5- upto Rs. 10K;
` 5- ` 10,001 upto ` 1 Lac;
`15- ` 1,00,001 upto ` 2 Lacs;
` 25- Above ` 2 Lacs
NEFT Payment - NetBanking/Mobile Banking Free
Payable At Par Cheque issuance NR Savings Advantage: 10 cheque leaves / annum free. ` 3/ leaf after free limit
NR Savings Exclusive: 20 cheque leaves / annum free. ` 3/ leaf after free limit
DD payable at YES BANK locations - Branch NRE Savings Advantage: ` 50/Instrument after defined free limit (10 per month)
NRE Savings Exclusive: ` 50/Instrument after defined free limit (20 per month)
DD payable at YES BANK locations - NetBanking / Mobile Banking Free (plus ` 20 courier charges)
DD payable at Correspondent Bank locations* (II) NRE Savings Advantage: ` 2.5 per ` 1,000 after defined free limit (2 per month)
(Min. ` 50 and Max. 5,000)
NRE Savings Exclusive: ` 2.5 per ` 1,000 after defined free limit (3 per month)
(Min. ` 50 and Max. 5,000)

Collection Services
Intra-Bank Fund Transfer Collection Free
RTGS Collection Free
NEFT Collection Free
Cheque Collection - Local Clearing Free
Outstation Cheque Collection - YES BANK locations Free (plus ` 20 courier charges)
Outstation Cheque Collection - Correspondent Up to and including 5,000; ` 25/Instrument
Bank locations (Instrument value) Above 5,000 and up to including 10,000; ` 50/Instrument
Above 10,000 and up to including 1,00,000; ` 100/Instrument
Above 1,00,000; `150/Instrument
Outstation Cheque Collection - Other locations (Instrument value) NRE Savings Advantage:
Up to and including 5,000; ` 25/Instrument
Above 5,000 and up to including 10,000; ` 50/Instrument
Above 10,000 and up to including 1,00,000; ` 100/Instrument
Above 1,00,000; ` 150/Instrument
NRE Savings Exclusive: ` 25/ instrument
*See guidelines for details,

1800 1200 +91 22 4935 0000

Toll Free number from USA: 18333800149 Canada: 18334910559 UK: 8000489153 UAE: 800035702510

Corporate & Registered Office: YES BANK LIMITED, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai 400055, India. Website : www.yesbank.in
 Effective May 1, 2022

Transactions at ATMs

Card Type EXPLORE DEBIT CARD* Rupay Platinum debit Card

Cash Withdrawal - at YES BANK ATMs in India Free Free
Cash Withdrawal - at other bank ATMs in India First 5 transactions free per month; First 5 transactions free per month;
thereafter ` 21 per Transaction thereafter ` 21 per Transaction
Cash Withdrawal – outside India ` 120 per transaction NA
Balance Inquiry in India Free Free
Balance Inquiry - outside India ` 20 per transaction NA
ATM Transactions declined due to insufficient funds ` 25/Instance ` 25/Instance

Charges on ATM cum Debit Card

Card Type EXPLORE DEBIT CARD* Rupay Platinum Debit Card

Annual Fee ` 199 ` 199
Pin Regeneration ` 50 / instance through branch ` 50/instance through branch
Free through NetBanking Free through NetBanking
Charge Slip Retrieval ` 250/Instance ` 250/Instance
Replacement of Lost/ Stolen Debit Card ` 149/Instance ` 199/Instance
Cross Currency Markup 3% NA
Please note:
1. Rupay Platinum Domestic Cards are being issued to account holders/mandate holders on NRO accounts w.e.f. February, 2017
2. EXPLORE Debit Card is issued to NRE account holders.
3. EXPLORE Debit Card is provided free for NRE SP (Seafarer’s) account holders.
4. Accounts opend through online account opening facility are not eligible for free Platinum Chip Debit Card
* EXPLORE Debit Card is issued to YES Prosperity customers only.

Basic Banking Services

Account Opening Free
Registrations (Netbanking/Mobile Banking/Phone Banking) Free
Investment Services Registration Free
Nomination Facility Free
Payable at Par Cheque Book Free
Any Branch Banking Free
Quarterly statement by post Free
Standing Instruction maintenance – Branch/ NetBanking Free
ECS Instruction Free
Balance Inquiry - Branch/NetBanking/Mobile Banking Free
Replacement of damaged Debit Card Free
e-commerce payment - NetBanking Free
Mutual Fund investments - Branch/Netbanking Free
Stop Payment of Cheques - NetBanking/Mobile Banking Free
Cancellation of DD payable at YES BANK locations ` 50/lnstruction
Cancellation of DD payable at Other locations ` 100/lnstruction
DD Revalidalion ` 50/lnstruction
Passbook Issuance^^ Free
Banker's Verication (Signature/Address/Photograph) ` 100/Verification
Retrieval of Cheque/Instruction Free within 1 year of date of issue, ` 100/Cheque thereafter

Account Closure Charges

Within 30 days Free
After 30 days to 1 year ` 500
After 1 year Free

1800 1200 +91 22 4935 0000

Toll Free number from USA: 18333800149 Canada: 18334910559 UK: 8000489153 UAE: 800035702510

Corporate & Registered Office: YES BANK LIMITED, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai 400055, India. Website : www.yesbank.in
 Effective May 1, 2022

Cash Transactions*
Cash Deposit* (I) Monthly free limit of ` 5 lac on value or 5 txns, whichever is breached first.
Thereafter ` 3 / `1,000 deposited (Min. of Rs.50)
*See common guidelines for details

`300 for 1st return per month

`500 for next return onwards

Portfolio Investment Scheme (PIS) AMC `500

# Portfolio Investment Scheme (PIS) Transaction charges `150/Contract Note

#
Yes First & Yes Premia customers please contact your RM/ Branch for information on differential pricing

Common Guidelines
Initial Payment and Average Balance Maintenance:
• An initial payment for opening a new account should include minimum AMB for the account type, 1st Year Debit Card Annual Fee and Demat Account
Annual Maintenance Fee (plus taxes, as applicable)
• Average Monthly/Yearly Balance (AMB/AYB): Average of Daily Closing Balance for the Month/Year = Summation of daily closing balance/Actual no. of
calendar days in the Month/Year.
• Minimum Average maintenance on an account type shall not be applicable for the Account Opening Month.
• A One Month advance intimation shall be provided at the end of the first month (M0) in case the required Average Balance is not being maintained during
the first month(M0). Average balance will be observed for the next month (M1), Average Monthly Balance non-maintenance charges for the first month (M0)
will be levied as defined if the required AMB is not maintained for the two subsequent months (M0 and M1).
• In case of non maintenance of product level AMB, customer will be liable to pay following charges for the transactions done during that month.

1. Product level AMB Non Maintenance charges and

2. Charges as follows on the free privileges availed (charged at standard charge from first/defined transaction i.e. no free transactions)
I. Cash deposit from the 1st Rupee deposited
II. DD Issuance at Correspondent Bank Location
III. ATM usage @ `120/ txn for cash withdrawal from Partner Bank ATMs worldwide. Transactions at other bank ATMs in India, from 6th financial
transaction, will be charged at ` 21 per Financial Transaction.
• Relaxation of AMB maintenance will be given to certain categories of customers, select group of professionals basis a required number of customer induced
transactions or under any other specific promotional offer as defined by YES BANK from time to time. The continuation of these offers will be at the sole
discretion of the bank and the Bank reserves the right to withdraw these offers.

General Guidelines:
• The charges mentioned in the schedules are exclusive of taxes as applicable from time to time.
• Monthly/Quarterly/Annual cycle charges as applicable on the account type can be recovered anytime.
• In case of insufficient funds in the account, for recovery of charges, YES BANK reserves the right to force debit or make repeated attempt(s) to recover
charges due.
• ^^Issuance of duplicate Passbook (For Individual Savings Account holders) will be charged at ` 75
• Fixed Deposit should be in the name of Primary/ First Applicant to avail Nil AMB Benefit.
• Kindly refer to our website or contact our branches for latest Schedule of charges.
• Kindly refer to our website for charges/fees applicable to Foreign Exchange & Remittance Services (www.yesbank.in > Rates and Charges > Accounts >
Foreign Exchange and Remittance Services > Trade Finance, Foreign Exchange & Remittance Services_w.e.f 1st Jun_2019)
• Customer Program Variant as on 1st day of the month shall be considered for offering differential charges. Any changes in the program variant during the
month shall not be considered

1800 1200 +91 22 4935 0000

Toll Free number from USA: 18333800149 Canada: 18334910559 UK: 8000489153 UAE: 800035702510

Corporate & Registered Office: YES BANK LIMITED, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai 400055, India. Website : www.yesbank.in