Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank

(SEO-optimized, expert-written article)

1. Introduction

After processing millions of Aadhaar Enabled Payment System (AEPS) transactions every day, retailers often encounter errors that interrupt cash withdrawals, balance inquiries, and mini statements. Among these, one particular error—Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank—is increasingly common.

This article explains everything about this error in simple language, including why it occurs, how to fix it, and how to avoid it in the future.

2. What Is AEPS and Why Do Errors Occur?

AEPS allows customers to withdraw cash or check their balance using only their Aadhaar number and fingerprint. It is operated through NPCI under the Government of India’s financial inclusion initiative.

Errors may occur due to:

Bank-side issues
Device malfunction
Customer fingerprint mismatch
Network problems
Daily transaction limits being crossed

Among these, transaction limit errors are the most confusing for new retailers.

3. Understanding Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank

The error Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank means:

👉 The customer has reached their withdrawal limit for the day or month.
👉 The selected bank has blocked further AEPS withdrawals.

In simple terms, the customer cannot withdraw more money through AEPS until the limit resets.

This error is not related to:

Fingerprint
Server down
Retailer’s AEPS portal

It is directly connected to bank transaction limits.

4. Why Does This AEPS Error UW Happen?

Here are the most common reasons:

1. Daily AEPS Withdrawal Limit Reached

Most banks allow:

₹10,000 to ₹25,000 per day (varies by bank)

If this is exhausted, the system blocks further AEPS transactions.

2. Monthly AEPS Limit Exhausted

Many banks have:

₹50,000 to ₹1,00,000 monthly AEPS limit

If a customer crosses this, the bank stops all AEPS withdrawals.

3. Bank-Specific Rules

Each bank has unique internal limits. For example:

SBI has stricter limits than some private banks.
Regional rural banks often have smaller daily limits.

4. Too Many Withdrawals from Multiple Retailers

Even if the customer withdraws small amounts:

Example:
10 withdrawals × ₹2,000 = ₹20,000 (limit exhausted)

5. System-Generated Security Lock

If the system detects suspicious activity (rapid withdrawals), it may trigger error UW automatically.

5. Daily, Monthly & Bank-Wise AEPS Limits

Below are approximate AEPS withdrawal limits (may vary):

Bank Type	Daily Limit	Monthly Limit
SBI	₹10,000	₹50,000
HDFC	₹25,000	₹1,00,000
ICICI	₹15,000	₹60,000
PNB	₹10,000–₹15,000	₹50,000
RRBs	₹5,000–₹10,000	₹25,000–₹50,000

These limits help explain why customers often get Aeps Error Code : UW.

6. Real-World Examples of Error UW

Example 1

A customer withdraws:

₹10,000 at 10 AM
₹10,000 at 4 PM

Daily limit: ₹20,000
Next withdrawal will show:
Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank

Example 2

A monthly limit of ₹50,000 is crossed due to many small withdrawals.
The system blocks AEPS for the rest of the month.

Example 3

A customer uses AEPS at 3–4 shops in a single day.
The system detects unusually frequent withdrawals.
Error UW is triggered as a security precaution.

7. How to Fix Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank

Here are the most effective solutions:

✔ 1. Wait Until Limit Resets

Daily limit resets at 12:00 AM (midnight).
Monthly limit resets on the 1st of every month.

This is the simplest fix.

✔ 2. Suggest Using a Different Bank Account

If the customer has multiple bank accounts linked to Aadhaar, they can switch accounts and withdraw again.

✔ 3. Withdraw Using a Debit Card Instead

If the customer urgently needs cash, ask them to use:

ATM
Micro ATM
POS machine

This bypasses AEPS limits.

✔ 4. Ask the Bank to Increase AEPS Limit

Some banks allow limit enhancement on request.

✔ 5. Use Mini Statement to Confirm Limit Status

Checking the mini-statement often reveals withdrawal patterns and confirms why the limit was exhausted.

✔ 6. Avoid Multiple Withdrawals from the Same Retailer

Banks sometimes block accounts temporarily if they detect frequent AEPS transactions from a single merchant ID.

✔ 7. Raise a Ticket With AEPS Provider

If the error appears even without reaching the limit:
Raise a request with:

PayNearby
Spice Money
Fino
EzeTap
Roinet

They will check the bank-side logs.

8. Best Practices to Avoid This Error in Future

Educate customers about daily/monthly AEPS limits.
Keep a small log of regular customers’ transactions.
Avoid repeated withdrawals within minutes.
Encourage customers to withdraw in a single transaction.
Recommend saving bank numbers for limit increase.
Update your AEPS application regularly.

9. External & Internal Link Recommendations

To improve SEO:

External (DoFollow) Links Suggestions

You can link to credible resources such as:

NPCI AEPS Official Page
RBI Guidelines on Aadhaar Banking
UIDAI Aadhaar Authentication Updates

Internal Link Suggestions

Link to articles such as:

“What is AEPS Debit?”
“AEPS Error Code 22 – Suspected Malfunction (Detailed Guide)”
“How to Fix AEPS Fingerprint Device Not Working Problem”

This will boost your page authority.

10. Conclusion

The Aeps Error Code : UW – Your Transaction Limit Has Been Exhausted for Selected Bank is not a technical fault—it is simply a security mechanism enforced by banks to protect customers from over-withdrawal or suspicious transactions.

Understanding bank limits, customer behavior, and AEPS rules helps retailers avoid confusion and provide a smoother service experience.

With the right knowledge, this error becomes easy to handle and prevent.

### Frequently Asked Questions (FAQs)

1. What does AEPS Error UW mean?

It means the customer has crossed their withdrawal limit for the selected bank.

2. Can a retailer fix this error instantly?

No. You must wait until the limit resets or use another bank account.

3. What is the daily limit for AEPS?

Usually ₹10,000–₹25,000 depending on the bank.

4. Does this error affect the retailer’s commission?

No. It only restricts the customer’s transaction.

5. How to avoid AEPS Error Code UW?

Avoid multiple withdrawals and educate customers about bank limits.

Disclaimer

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