In the UK, the State Bank of India debit card is available with current accounts and the Instant Access Savings Account1 – which offers an attractive interest rate and free money transfers to India2. You also benefit from:
  • Free cash withdrawals from any ATM displaying the MasterCard logo1
In India, you benefit from:
  • Free cash withdrawals from over 40,000 SBI ATMs
  • Attractive exchange rates on Rupee withdrawals
For reporting lost or stolen cards:
  • Please call us on 0800 532 532 to block the card by providing your card / account number, name and SBI UK branch name
  • If calling from outside UK, please contact us on 0044 207 454 4338

For more information, please call 0800 532 532 or visit your nearest branch.

Call centre opening hours are:
Monday, Tuesday, Wednesday, and Friday - 9am to 6pm
Thursday - 9am to 5pm effective from 02 March 2017
Saturday - 9am to 3pm
Sunday - Closed

¹Free cash withdrawals from SBI ATMs in India & UK ATMs with the MasterCard logo. Charges apply for international transactions.
²Transactions are free for account holders who maintain their minimum monthly balance in accordance with the terms and conditions of their account. Otherwise charges apply.

Your State Bank of India debit card is accepted at millions of locations all over the world. Just look for the MasterCard logo.

Accepted Not Accepted
  • Over 40,350* ATMs in the UK
  • Over 968,250 merchant locations in the UK
  • Over 50000* State Bank of India group ATMs in India
  • Petrol stations across the UK (counter only)
  • Online transactions where the merchant has the MasterCard Secure Code facility. You can register your card for MasterCard Secure Code, while performing the first online transaction with your SBI UK debit card.
  • 35.9 million locations worldwide, including 2.1 million ATMs and 6 million other locations where cash may be obtained.
  • Unmanned petrol pumps
  • Mail order transactions
  • Telephone transactions
  • Online transactions where the merchant doesn’t have the MasterCard Securecode facility.

How to start using your contactless SBI Debit MasterCard®

  • On receipt of the card, please sign at the back of the card immediately.
  • Call our helpline number 0800 532 532 (Monday to Friday 9.00 AM to 6.00 PM) to confirm the receipt of the card and for your PIN to be sent out.
  • Once you receive your PIN, you must first use your SBI Debit MasterCard® at an ATM. It is not necessary to withdraw cash, even balance enquiry or pin change is fine.
  • Now the card is ready for use to make CHIP and PIN or contactless transactions.
  • Using your card for online shopping
  • You can register your card for MasterCard Secure Code, while performing the first online transaction with your SBI UK debit card.

Things to remember

  • You can withdraw up to a maximum of £300 on a daily basis from an ATM machine using your SBI Debit MasterCard®. The daily transaction limit from your card or the card number at POS terminal or online is £5,000 subject to there being sufficient balance in your account.
  • When you use your debit card abroad to pay for goods and services, or to withdraw cash at ATM machines, we will convert the payment or withdraw in a currency other than sterling into sterling at rates determined by us or MasterCard®.
  • Free cash withdraws at over 40,000 SBI ATMs across India
  • Cash withdraws from State Bank of India ATMs are free, the cash withdrawal will be converted to sterling at the prevailing rate.
  • Also free cash withdrawals from all ATMs displaying the MasterCard® logo in the UK
  • Accepted at over 33 million locations worldwide.

To report your card lost or stolen, please call us straight away on:

  • 0800 532 532

Please have your account number to hand.

About contactless technology

  • What is contactless?
    Contactless is a new payment function for transactions of up to £30. You can pay for your goods simply by touching the card reader.
  • What are its benefits?
    It’s quick, convenient and saves you time- there’s no need to rummage around for the right amount of change, or enter your PIN for most of your contactless transactions.
  • Is paying in this new way secure?
    Contactless uses the latest secure MasterCard® technology required by the payment industry. And, in the unlikely event that it is lost or stolen, your card  also has protection against fraud loss- providing you take the kind of precautions we recommend and you let us know as soon as you realise you no longer have it.
  • Where can you use it?
    Although you can use your SBI Debit MasterCard® abroad, you can only make contactless purchases in the UK at the moment. For a full list of all the places where you can use contactless, including you local retailers, visit

How contactless technology works

  • Look out for the contactless symbol in shops, stores and restaurants.
  • When your’re ready to pay just touch your card to the reader, and payment will be complete in less than a second.
  • The contactless card reader will confirm that your transaction is complete, and you can get going.

*Data accurate as of September 2012

‡Out of these about 90-95% are bank-owned ATMs and SBI UK card usage is FREE in bank-owned ATMs in the UK

§Information obtained from MasterCard 2012 year and SECC filing

Unsure about something? See if the answer to your question is here.

Debit card queries

1. Can I use my state bank of India UK debit card for free, or will I be charged?

You can use your State Bank of India UK Debit card free of charge in all UK bank ATMs. However, you might incur a usage charge at non-bank ATMs.

2. Can I use my State Bank of India UK debit card in India?

Yes, you can use your debit card for free at over 40,000* State Bank of India-group ATMs across India.

3. Do I need to tell you when I am traveling abroad?

Yes, since your account is monitored for unusual activity, please tell us when you're traveling abroad so we know when to expect international card use - otherwise your debit card could be blocked due to fraud prevention. Please note, we automatically block accounts for unusual foreign transactions, so let us know before you travel, and also when you are back in the UK. It will only take a few minutes to set up, and it will reduce the chance of us declining a holiday transaction on your debit card. Simply call Customer Services on 0800 532 532 if calling from UK, and 00 44 207 454 4338 from outside UK. If you have a joint current account you will both need to notify us for each card.

4. Can I use my State Bank of India UK debit card for telephone transaction or mail order?

No, unfortunately, you cannot use your State Bank of India UK debit card for telephone or mail order transactions (i.e., transactions where only the card number is written with/without a signed authorisation). You can only use your State Bank of India UK debit card where it can be physically swiped, or through merchant sites that mandate Mastercard SecureCode.

5. How do I register for MasterCard Secure Code?

You can register your card for MasterCard Secure Code, while performing the first online transaction with your SBI UK debit card.

6. I’ve received my debit card what is the next step?

Please call our call centre on 0800 532 532 , Monday to Friday 9am-6pm, to confirm the safe receipt of your debit card and request for your PIN. The PIN will be sent to you within 3-5 working days from the time you have called us. On receipt of your PIN, please use your debit card first in an ATM in UK to activate your card. You can do so by either withdrawing cash, balance enquiry or by changing your PIN .

7. What is the daily limit for using SBI UK debit card?

Withdraw up to £ 300 / day from any ATM and up to £5000 a day for point of sale and online transactions as long as you have sufficient funds in your account.

8. How do I change my PIN?

You can change the PIN at any ATM machine in UK, once you’ve entered your existing PIN.

9. My card has been lost / stolen. What should I do?

If your card is lost or stolen, contact us immediately on 0800 532 532. Please ensure to keep the account number in hand for better service. You’ll also get replacement debit cards upon request to UK contact centre on 0800 532 532 and it should reach you in 7 to 10 working days. The new card we send you will have a different number. So if you’ve registered your old card’s details anywhere – eg with online shopping sites or for regular payments such as your gym memberships or insurance premiums – please contact the companies and give them your new card details.

10. Will I get charged for using my debit card at ATM?

IN UK: Free cash withdrawal while using any of the High Street Bank ATM which has MasterCard logo on it.

    SBI ATM – India
    Free cash withdrawal and better conversion rate while using SBI ATM in India.
    In case if you see any charges for using SBI ATM in India, these charges will be reversed back into your account.
    Charges apply for all other ATM / POS transactions outside UK.

Contactless card FAQ's

1. Why contactless payment failed but the same worked when used as a CHIP and PIN?

After 3 to 5 continuous payments via contactless mode at POS, a payment needs to be made using CHIP and PIN transaction. This precaution confirms that the user is in the rightful user, limiting any potential fraud should the card be lost or stolen.

2. If I touch the reader twice wills my payment gets duplicated?

No, the payment will be taken only once. In case if this happens please contact us on 0800 532 532 or email us at

3. Will I get charged for making contactless transactions?

There is no charge for making contactless transactions within UK. You will be charged if contactless transactions are made outside UK at per the terms & conditions.

4. Can I use my card to touch in London buses / train stations?

Currently our cards will not work to touch like Oyster. We will let our customer know if there is a change in the same.

5. Can I make cashback transactions using contactless?

Our debit card does not support cashback facility at POS (point of sales) terminal.

6. Will I get a text message for making contactless transactions?

No. Only if there is a debit of more than GBP 50 in one transaction you will get a text message. Using contactless facility you can pay only upto GBP 20 per transaction.

7. I already hold a SBI debit card, can I still request for contactless debit card? Will I get charged for requesting new card?

There is no charge for requesting contactless debit card. Please call our call centre on 0800 532 532.

Call centre opening hours are:
Monday, Tuesday, Wednesday, and Friday - 9am to 6pm
Thursday - 9am to 5pm effective from 02 March 2017
Saturday - 9am to 3pm
Sunday - Closed

8. What if I'm not interested in making contactless transactions?

You can still use your card in the normal way using the CHIP and PIN.

9. How to contact you about lost and stolen card?

If your card has been lost or stolen, call us on 0800532532 immediately, the lines will be working 24/7.

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