Canara Bank ATM Customer Care: Complete, Practical Guide

How to reach Canara Bank ATM customer care (fastest options)

Canara Bank runs a 24×7 integrated contact center for ATM/debit card issues including card hotlisting, failed cash withdrawals, PIN/Green PIN assistance, and dispute status. The two primary toll‑free numbers published by the bank are 1800 425 0018 and 1800 103 0018. From India, these lines are available round the clock and route you to an IVR with options for card blocking and ATM transaction support; wait times are typically shortest between 7:00–9:00 a.m. and post 9:00 p.m. If you are calling from overseas, use the chargeable number printed on the back of your card or on your welcome kit; carriers often block Indian toll‑free numbers outside India.

Digital channels are equally effective for logging ATM complaints. Visit the official site www.canarabank.com, then navigate to Customer Care or Grievance Redressal to raise an ATM dispute, track an existing complaint, or find your regional nodal officer. You can also use the bank’s mobile app (Canara ai1) to hotlist a card, generate Green PIN, and check the status of recent ATM transactions. For postal or escalated correspondence, the corporate office address is: Canara Bank, Head Office, 112, J. C. Road, Bengaluru – 560002, Karnataka, India.

• Toll‑free (India): 1800 425 0018; Alternate toll‑free: 1800 103 0018
• Website: www.canarabank.com (Customer Care → Grievance Redressal → ATM/Debit Card)
• Mobile app: Canara ai1 (Card services → Hotlist/Green PIN/Disputes)
• Corporate office: 112, J. C. Road, Bengaluru – 560002 (Mon–Fri business hours for correspondence)
• For overseas calls: Use the chargeable number printed on your card/welcome kit (availability 24×7)

Blocking a lost, stolen, or compromised ATM/debit card

If your card is lost, stolen, or you notice unauthorized ATM withdrawals, hotlist immediately—do not wait to “check one more time.” Call 1800 425 0018 or 1800 103 0018 and choose the card hotlisting option, or use Canara ai1 to block the card instantly. Hotlisting is effective the moment the bank’s system confirms it; note the reference number and timestamp. After blocking, review the last 10 transactions via the app, internet banking, or a mini statement to spot any additional unauthorized activity.

Replacement cards are issued on request through your branch, internet banking, or the app. Delivery timelines are typically 5–7 working days for domestic mailing; expedited options may be available in select cities. Card replacement and PIN reissuance are charged as per the bank’s schedule of charges (commonly a nominal fee plus GST); check the latest rate on www.canarabank.com → Service Charges. For fraud claims, file a written dispute within the timeline prescribed by the bank and RBI; keep copies of your hotlisting reference, complaint number, and any SMS/email alerts received around the incident.

Cash not dispensed but account debited: what to do and expected timelines

For failed ATM withdrawals (cash not dispensed or partial dispense), lodge a complaint immediately through the toll‑free line or digital channels and keep the slip if available. Provide the exact date, time, ATM location, amount, and the last 4 digits of your card. If the transaction was at a non‑Canara ATM (another bank), the dispute still starts with Canara Bank; interbank settlement is routed through NPCI/Visa/Mastercard networks.

Under RBI guidelines, the issuing bank must reverse a failed ATM cash withdrawal within T+5 calendar days (T = transaction date). If credit is delayed beyond the mandated period, you are eligible for compensation of ₹100 per day of delay until reversal, automatically credited once the dispute is resolved. In practice, straightforward same‑bank disputes resolve within 2–5 days; interbank disputes may take 7–10 days. If your account is not credited by T+5, call customer care with your complaint number to trigger escalation, and monitor your account for both principal reversal and any compensation credit.

• Immediately note: date/time, ATM ID/location, amount, any error code on screen or slip
• Report via 1800 425 0018 / 1800 103 0018 or the app; obtain a complaint/reference number
• Check for auto‑reversal by T+5; if not received, request escalation and compensation
• Preserve evidence: ATM slip/photo, SMS alerts, and a screenshot of the debit entry
• If unresolved after 30 days or an unsatisfactory response, escalate to the bank’s Nodal Officer, then RBI’s Integrated Ombudsman (cms.rbi.org.in)

Free ATM limits, charges, and practical usage tips

RBI regulations entitle you to a minimum of 5 free transactions per month at your own bank’s ATMs (financial and non‑financial combined), plus free transactions at other banks’ ATMs—3 per month in metro centers (Mumbai, Delhi, Chennai, Kolkata) and 5 per month in non‑metro locations. Beyond these free limits, acquirers may levy charges; as per RBI’s January 2022 revision, the customer fee for additional transactions is up to ₹21 plus applicable taxes per transaction. Your monthly free‑use counters reset on the 1st of each month and are tracked by the issuing bank.

Daily cash withdrawal and POS/e‑commerce limits depend on your specific card variant (Rupay/Visa/Mastercard; Classic/Platinum/Business). Typical daily ATM cash limits range from ₹25,000 to ₹50,000, with higher ceilings for premium or business cards. Your welcome kit or the Canara ai1 app displays your exact limits and international usage status. To avoid failed dips and card retention, ensure the strip/chip is clean, use well‑lit ATMs, and avoid repeated wrong PIN entries—three to five consecutive wrong attempts can block your card for the day for security.

IVR paths, PIN/Green PIN, and secure usage

On the toll‑free IVR, choose the debit card/ATM option to hotlist, regenerate Green PIN, or check transaction status. Green PIN allows you to set a new PIN using OTP verification; it’s the fastest way to recover access without visiting a branch. If the IVR disconnects during hotlisting, call again and confirm status—the system will confirm if the card is already blocked; you should also receive an SMS for successful hotlisting.

For safer usage, cover the keypad while entering your PIN, and tug the card slot gently to detect skimmers. If an ATM appears tampered, cancel and use a different machine. Avoid trying more than two withdrawals in quick succession if cash is not dispensed; repeated attempts can create multiple pending debits. Instead, switch to another ATM brand/location and then raise a dispute for the failed attempt, citing the first incident’s timestamp.

Escalation matrix and regulatory remedies

If your ATM issue is not resolved within the promised timeline, escalate with your complaint number through the Grievance Redressal section on www.canarabank.com. The first escalation level is your home branch or the regional processing center referenced in your complaint receipt. If you still do not receive resolution within 30 days, write to the bank’s Nodal Officer (contact published on the site) with full documentation—transaction details, hotlisting timestamp, screenshots, and prior correspondence.

For persistent disputes or deficiency in service, you may approach the Reserve Bank – Integrated Ombudsman Scheme (RB‑IOS, 2021) via the RBI Complaint Management System at cms.rbi.org.in. File your case with the bank’s complaint number, date of filing, and proofs. RBI expects banks to adhere to the T+5 reversal for failed ATM withdrawals and to credit compensation for delays; quoting these standards in your escalation often speeds closure.