UCO Bank · statement narration
POS CASH CHG
Also printed as: POS WDL CHG · CASH AT POS
Decoded
A charge for withdrawing cash at a shop counter using your debit card.
Hinglish meinDukaan ke counter par debit card se cash nikalne par lagne wala charge.
- You pay
You pay, Retail Banking Service Charges
From UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24
Verified
- Retail Banking Service Charges
POS CASH CHG on your UCO Bank statement — A charge for withdrawing cash at a shop counter using your debit card. The bank's document states no single all-in figure; what it does publish is below.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · Other
1% of the transaction amount, subject to a maximum of Rs 5
The bank's figure is before tax, so 18% GST is added on top.
Applies when: UCO Bank cards used to withdraw cash at a point of sale terminal. The schedule states the charge as a share of the transaction with a ceiling; the dataset has no amount type that applies a percentage to a transaction amount, so the charge is published in the schedule's own words rather than as a figure that would be computed against the wrong basis. Charges are exclusive of GST.
Why it happened and how to avoid it
Why it happened
You took cash at a merchant point-of-sale terminal.
How to avoid it
Use an ATM instead, where a free monthly allowance usually applies.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24
Retrieved 2026-09-05
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