{"id":698,"date":"2025-08-03T18:38:00","date_gmt":"2025-08-03T13:08:00","guid":{"rendered":"https:\/\/aepsseva.in\/blog\/?p=698"},"modified":"2025-08-03T18:38:00","modified_gmt":"2025-08-03T13:08:00","slug":"aeps-id-charge-2","status":"publish","type":"post","link":"https:\/\/aepsseva.in\/blog\/aeps-id-charge-2\/","title":{"rendered":"AEPS ID Charge: Full Rate Card and Transaction Costs Explained"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\">If you&#8217;ve ever used\u00a0<strong>Aadhaar Enabled Payment System (AEPS)<\/strong>\u00a0services, you might wonder:\u00a0<strong>How much is the charge for AEPS ID transactions?<\/strong>\u00a0Whether you&#8217;re a customer, a business owner, or a banking agent, understanding the\u00a0<strong>AEPS charges<\/strong>\u00a0is crucial to managing costs and optimizing transactions.<\/p>\n<p class=\"ds-markdown-paragraph\">In this detailed guide, we\u2019ll break down the\u00a0<strong>AEPS ID charge<\/strong>, explore the full rate card, compare different banks and service providers, and answer common questions about fees.<\/p>\n<hr \/>\n<h2><strong>What is AEPS?<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">AEPS (Aadhaar Enabled Payment System) is a bank-led digital payment model that allows transactions using\u00a0<strong>Aadhaar authentication<\/strong>. It enables:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">Cash withdrawals<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Balance inquiries<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Fund transfers<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Mini statements<\/p>\n<\/li>\n<\/ul>\n<p class=\"ds-markdown-paragraph\">Since AEPS eliminates the need for cards or mobile apps, it\u2019s widely used in rural areas and by banking correspondents (BCs).<\/p>\n<hr \/>\n<figure id=\"attachment_701\" aria-describedby=\"caption-attachment-701\" style=\"width: 1536px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-701\" src=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009knevs9swqpy3we6djd-min.png\" alt=\"AEPS ID charge\" width=\"1536\" height=\"1024\" title=\"\" srcset=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009knevs9swqpy3we6djd-min.png 1536w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009knevs9swqpy3we6djd-min-300x200.png 300w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009knevs9swqpy3we6djd-min-1024x683.png 1024w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009knevs9swqpy3we6djd-min-150x100.png 150w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009knevs9swqpy3we6djd-min-768x512.png 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><figcaption id=\"caption-attachment-701\" class=\"wp-caption-text\">AEPS ID charge<\/figcaption><\/figure>\n<h2><strong>How Much is the Charge for AEPS ID?<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">The\u00a0<strong>AEPS ID charge<\/strong>\u00a0varies depending on the transaction type <a href=\"https:\/\/www.airtel.in\/bank\/bank-charges\/aeps\" target=\"_blank\" rel=\"noopener\">and<\/a> the bank\/service provider. Here\u2019s a breakdown of the typical costs:<\/p>\n<h3><strong>1. AEPS Transaction Charges (Customer Perspective)<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Most banks do\u00a0<strong>not charge customers directly<\/strong>\u00a0for AEPS transactions. However, some may apply minimal fees:<\/p>\n<div class=\"markdown-table-wrapper\">\n<table>\n<thead>\n<tr>\n<th><strong>Transaction Type<\/strong><\/th>\n<th><strong>Customer Charge (Approx.)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cash Withdrawal<\/td>\n<td>\u20b90 &#8211; \u20b920<\/td>\n<\/tr>\n<tr>\n<td>Balance Inquiry<\/td>\n<td>Free<\/td>\n<\/tr>\n<tr>\n<td>Fund Transfer<\/td>\n<td>\u20b95 &#8211; \u20b915<\/td>\n<\/tr>\n<tr>\n<td>Mini Statement<\/td>\n<td>Free or \u20b95<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"ds-markdown-paragraph\"><em>Note: Some banks may impose charges if transactions exceed a monthly limit.<\/em><\/p>\n<h3><strong>2. AEPS Charges for Banking Correspondents (BCs) &amp; Agents<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Agents and BCs earn a small commission per transaction. The charges are usually reimbursed by banks or NPCI (National Payments Corporation of India):<\/p>\n<div class=\"markdown-table-wrapper\">\n<table>\n<thead>\n<tr>\n<th><strong>Transaction Type<\/strong><\/th>\n<th><strong>Commission Earned (Approx.)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cash Withdrawal<\/td>\n<td>\u20b95 &#8211; \u20b915<\/td>\n<\/tr>\n<tr>\n<td>Balance Inquiry<\/td>\n<td>\u20b92 &#8211; \u20b95<\/td>\n<\/tr>\n<tr>\n<td>Fund Transfer<\/td>\n<td>\u20b95 &#8211; \u20b910<\/td>\n<\/tr>\n<tr>\n<td>Mini Statement<\/td>\n<td>\u20b92 &#8211; \u20b95<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"ds-markdown-paragraph\"><em>Example:<\/em>\u00a0If an agent processes 100 withdrawals in a month at \u20b910 per transaction, they earn \u20b91,000 as commission.<\/p>\n<h3><strong>3. Charges by AEPS Service Providers<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Third-party\u00a0<strong>AEPS service providers<\/strong>\u00a0(like PayNearby, Eko, and Fino Payments Bank) may have different pricing models:<\/p>\n<div class=\"markdown-table-wrapper\">\n<table>\n<thead>\n<tr>\n<th><strong>Provider<\/strong><\/th>\n<th><strong>Cash Withdrawal Fee<\/strong><\/th>\n<th><strong>Balance Inquiry Fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>PayNearby<\/td>\n<td>\u20b910 &#8211; \u20b915<\/td>\n<td>Free<\/td>\n<\/tr>\n<tr>\n<td>Eko<\/td>\n<td>\u20b910 &#8211; \u20b920<\/td>\n<td>\u20b92<\/td>\n<\/tr>\n<tr>\n<td>Fino Payments Bank<\/td>\n<td>\u20b912 &#8211; \u20b918<\/td>\n<td>Free<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"ds-markdown-paragraph\"><em>Note: These fees may vary based on location and agent agreements.<\/em><\/p>\n<hr \/>\n<h2><strong>Factors Affecting AEPS ID Charges<\/strong><\/h2>\n<ol start=\"1\">\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Bank Policies<\/strong>\u00a0\u2013 Public sector banks often have lower fees than private banks.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Transaction Volume<\/strong>\u00a0\u2013 High-volume agents may get better commissions.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Service Provider Markup<\/strong>\u00a0\u2013 Some providers add extra convenience fees.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Government Subsidies<\/strong>\u00a0\u2013 DBT (Direct Benefit Transfer) transactions may have waived fees.<\/p>\n<\/li>\n<\/ol>\n<hr \/>\n<h2><strong>How to Reduce AEPS Transaction Costs?<\/strong><\/h2>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Compare service providers<\/strong>\u00a0before choosing an AEPS partner.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Use banks with zero customer charges<\/strong>\u00a0(e.g., SBI, Bank of Baroda).<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Negotiate commissions<\/strong>\u00a0if you\u2019re a high-volume agent.<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<figure id=\"attachment_702\" aria-describedby=\"caption-attachment-702\" style=\"width: 1536px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-702\" src=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009kpf52tsq3ex7zqzqsj-min.png\" alt=\"AEPS ID charge\" width=\"1536\" height=\"1024\" title=\"\" srcset=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009kpf52tsq3ex7zqzqsj-min.png 1536w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009kpf52tsq3ex7zqzqsj-min-300x200.png 300w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009kpf52tsq3ex7zqzqsj-min-1024x683.png 1024w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009kpf52tsq3ex7zqzqsj-min-150x100.png 150w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250803_1826_AEPS-Charges-Explained_simple_compose_01k1r009kpf52tsq3ex7zqzqsj-min-768x512.png 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><figcaption id=\"caption-attachment-702\" class=\"wp-caption-text\">AEPS ID charge<\/figcaption><\/figure>\n<h2><strong>Frequently Asked Questions (FAQs)<\/strong><\/h2>\n<h3><strong>1. Is AEPS free for customers?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Most balance inquiries and some withdrawals are free, but fund transfers may have a small fee.<\/p>\n<h3><strong>2. Do agents pay for AEPS transactions?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">No, agents earn a commission per transaction instead of paying fees.<\/p>\n<h3><strong>3. Which bank has the lowest AEPS charges?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Public sector banks like SBI and PNB usually have minimal or no charges.<\/p>\n<h3><strong>4. Can AEPS transactions be done without Aadhaar?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">No, AEPS requires Aadhaar-linked bank accounts for authentication.<\/p>\n<h3><strong>5. Are there limits on AEPS transactions?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Yes, most banks allow up to\u00a0<strong>\u20b910,000 per transaction<\/strong>\u00a0and\u00a0<strong>\u20b950,000 per day<\/strong>.<\/p>\n<hr \/>\n<h2><strong>Conclusion<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">The\u00a0<strong>AEPS ID charge<\/strong>\u00a0depends on the bank, transaction type, and service provider. While customers often enjoy free or low-cost transactions, agents earn commissions per transaction. By comparing different providers and understanding the fee structure, you can optimize costs and maximize benefits.<\/p>\n<hr \/>\n<h3><strong>Disclaimer<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">This post is for\u00a0<strong>educational purposes only<\/strong>. Fees and policies may change based on bank regulations. For any concerns regarding content ownership or removal, please refer to our\u00a0<strong><a href=\"https:\/\/aepsseva.in\/blog\/aeps-id-charge\/\">DMCA<\/a> policy<\/strong>. Always verify the latest AEPS charges with your bank or service provider.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;ve ever used\u00a0Aadhaar Enabled Payment System (AEPS)\u00a0services, you might wonder:\u00a0How much is the charge for AEPS ID transactions?\u00a0Whether you&#8217;re [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":702,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[228],"tags":[266,288,287,289],"class_list":["post-698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aeps","tag-aeps-id-charge","tag-aeps-id-free","tag-aeps-id-registration","tag-aeps-id-registration-free-online"],"_links":{"self":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/698","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/comments?post=698"}],"version-history":[{"count":4,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/698\/revisions"}],"predecessor-version":[{"id":704,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/698\/revisions\/704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media\/702"}],"wp:attachment":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media?parent=698"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/categories?post=698"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/tags?post=698"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}