The banks in U.S. and other regions are given rights by the local federal laws to charge Surcharge/fees to other bank customers for accessing their ATM's to withdraw money. Accordingly, many ATM's in US do levy charges for withdrawing from their ATM over and above the charges levied by the Kotak Bank. Similarly, there are certain ATM's across other countries as well which may levy a charge for transactions done by other bank customers. This charge is normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort it.