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Here’s a range of savings accounts from ICICI Bank to suit your needs
You unlock a world of possibilities when you open a savings account with ICICI Bank. Our savings account helps you do so much more than just saving for your future. With ICICI Bank as your banking partner, you can choose from a wide range of savings accounts that help you fulfil the different needs you have at every stage of your life.
You get access to an extensive range of user-friendly features. And that’s not all. With your ICICI Bank Savings Account, enjoy an unmatched digital banking experience 24x7 through internet banking platform and our mobile app, iMobile as well an extensive network of branches and ATMs.
Our savings accounts offer you a variety of features to meet your specific requirements. Here are some of the benefits you get to experience with ICICI Bank Savings Accounts.
Complimentary credit card:
You get a complimentary credit card when you open a fixed deposit of at least ₹10,000 for minimum 12-months using your ICICI Bank Savings Account.*
*This is applicable for select customers upon completion of verification and acceptance of the final offer.
Platinum Visa Debit Card:
The Platinum Visa Debit Card linked to your savings account lets you earn reward points on the money you spend. Save on 1% fuel surcharge, waived off at Hindustan Petroleum Corporation Limited (HPCL) petrol pumps on your fuel purchases across all petrol stations.
Offers and discounts:
You get to avail exciting offers and discounts on various brands. That’s not all. You even get 15% off on dining across 2,500 participating restaurants in 11 cities.
Instant online investments:
With your savings account from ICICI Bank, you can invest online in a fixed deposit, a recurring deposit, the National Pension System (NPS), or the Public Provident Fund (PPF) right away.
‘No Minimum Balance Commitment’ feature:
When you open a 12-month FD with a minimum of ₹10,000, you can enjoy the benefits of an account with no minimum balance commitment.
Insurance covers:
ICICI Bank Savings Accounts also give you the benefit of complimentary air accident insurance worth ₹50,000 and purchase protection insurance worth ₹50,000.
To know more about the different types of ICICI Bank Savings Accounts, read on to find out.
This savings account serves various purposes. Be it saving money to meet your financial goals or investing to save tax, the all-new Insta Save Account we offer, can help you do it all instantly. You can easily open your Insta Save Account online using your Aadhaar number.
Features of Insta Save Account
This is a premium savings account for the achiever in you. With this account, you can satisfy various goals like securing your family’s future, achieving your financial goals, and above all, upgrading your lifestyle.
Features of ‘The ONE’ Savings Account
With our NPS Plus Savings Account, you can save on your taxes, increase your savings and avail special banking benefits. You also get to enjoy exclusive offers and secure the golden years of your life that follow your retirement.
Features of NPS Plus Savings Account
The Regular Savings Account from ICICI Bank lets you experience the convenience of banking from anywhere, any time. It gives you access to our internet banking and mobile banking platforms, through which you can pay your bills or open a fixed deposit, among others.
Features of Regular Savings Account
With the Silver Savings Account from ICICI Bank, you can make use of our banking services through the internet or over your mobile phone.
In addition to the regular benefits you get with a regular savings account, the Silver Savings Account offers you many other advantages.
Features of Silver Savings Account
The Gold Savings Account from ICICI Bank allows you to experience a variety of privileges over and above what another savings account can offer. With various services available free of charge, this account makes banking easier and more convenient for you.
Features of Gold Savings Account
The Titanium Savings Account from ICICI Bank takes privilege to a whole new level. This account ensures that the benefits of effortless banking are made available not just to you, but to your family as well.
Features of Titanium Savings Account
If you’ve availed an auto loan from us, or if you plan to do so, you can open an Auto Assure Savings Account. This account makes it easier for you to repay your loan through quick and easy auto debit transactions.
Features and benefits of our Auto Assure Savings Account
*On opting for auto debit of EMIs for our auto loan
The Home Assure Savings Account from ICICI Bank is a prudent choice for you if you’ve availed a home loan from us, or if you plan to do so. Using this account, you can repay your loan smoothly with the auto debit facility.
Features of Home Assure Savings Account
*On opting for auto debit of EMIs for ICICI Bank’s Home Loan
The Investment and Tax Savings Account from ICICI Bank enables you to achieve your financial goals and prepare for the future. This account is designed to help you make and manage investments that allow you to save tax and create wealth.
Features of Investment and Tax Savings Account
*To avail this benefit, please continue to pay your monthly SIPs and the annual fees for your Expressions Debit Card, as needed.
Extend the benefits of your savings account to all the members in your family with our ‘Family Banking’ facility. With this service, your family gets to enjoy exclusive offers and various banking privileges.
Features of Family Banking facility
Seamless for investors and traders, our 3-in-1 Savings Account is a trading account, a demat account and a bank account rolled into one convenient package. These three accounts are linked together to enable seamless transactions if you wish to invest in a variety of financial assets.
Features of 3-in-1 Savings Account
Do you want to enjoy the dual advantages of earning interest on your fixed deposit and simultaneously ensuring that your savings are liquid? With our Gold Plus Savings Account, you can experience these two advantages in one go.
Features of Gold Plus Savings Account
We also offer a variety of savings accounts for the benefit of Hindu Undivided Families (HUFs). You can open a Hindu Undivided Family Savings Account in any one of these variants: Regular, Silver, Gold and Titanium.
Features of Hindu Undivided Family Savings Account
Presenting Salute Doctors Banking Solutions, designed exclusively for doctors. Powered by ICICI STACK, we bring to you quick, secure, digital solutions and many exciting offers, designed to take care of you at various life-stages. These time saving solutions are designed keeping in mind the financial needs of medical professionals like you and your entire universe, consisting of your family, professional, business, lifestyle and wealth banking requirements. These will help you dedicate more time healing lives because when running against the clock, every moment is precious.
Key solutions on offer
There are several other variants of savings accounts that you can choose from. So, if you’re still searching for a different type of savings account, click on the button below to take a look at some of the other options we provide.
The four main variants of the savings accounts we offer come with different features and benefits. A side-by-side comparison of these alternatives can help you make a more informed decision about the kind of account suitable for you. Take a look at the table below to compare the different variants of savings accounts.
| Features | Regular Savings Account | Silver Savings Account | Gold Privilege Savings Account | Titanium Privilege Savings Account |
|---|---|---|---|---|
| Monthly Average Balance | ₹10,000 | ₹25,000 | ₹50,000 | ₹1,25,000 |
| Locker facility | Access ICICI Bank lockers across the country for your valuables | A discount of 15% on annual locker rentals | A discount of 20% on annual locker rentals | A discount of 40% on annual locker rentals |
| ATM access | Five free ATM withdrawals every month at ATMs of all the banks | Free unlimited access to ATMs of all the banks | Free unlimited access to ATMs of all the banks | Free unlimited access to ATMs of all the banks |
| Debit Card | Smart Shopper Silver Debit Card with exciting offers and Visa Privileges | Smart Shopper Silver Debit Card with exciting offers and Visa Privileges | Gold Privilege Debit Card with exciting offers and Visa Privileges | Free Titanium Privilege Debit Card with exciting offers and Visa Privileges |
| Internet banking and mobile banking | Free user-friendly internet banking and mobile banking services | Free user-friendly internet banking and mobile banking services | Free user-friendly internet banking and mobile banking services | Free user-friendly internet banking and mobile banking services |
| Network | 24/7 banking with an extensive range of Touch Banking branches and ATMs | 24/7 banking with an extensive range of Touch Banking branches and ATMs | 24/7 banking with an extensive range of Touch Banking branches and ATMs | 24/7 banking with an extensive range of Touch Banking branches and ATMs |
| Account statements | Free e-mail statements to keep you updated about your savings account | Free e-mail statements to keep you updated about your savings account | Free e-mail statements to keep you updated about your savings account | Free e-mail statements to keep you updated about your savings account |
| Other benefits | Issue cheques freely all across the country with your free multi-city cheque book and track your account with your free passbook.Bank from any branch of ICICI Bank, anywhere.Transfer your savings account from one branch of ICICI Bank to another by submitting a written request at the branch or by calling our customer care number. | Issue cheques freely all across the country with your free multi-city cheque book and track your account with your free passbook.Free Anywhere Banking across all branches of ICICI Bank.Transfer your savings account from one branch of ICICI Bank to another by submitting a written request at the branch or by calling our customer care number. | Issue cheques freely all across the country with your free multi-city cheque book and track your account with your free passbook.Bank from any branch of ICICI Bank, anywhere.Transfer your savings account from one branch of ICICI Bank to another by submitting a written request at the branch or by calling our customer care number. | Issue cheques freely all across the country with your free multi-city cheque book and track your account with your free passbook.Free Anywhere Banking across all branches of ICICI Bank.Transfer your savings account from one branch of ICICI Bank to another by submitting a written request at the branch or by calling our customer care number. |
| Special Benefits | - | - | Exclusive privilege banking zones at our branches | A dedicated privilege banker.Exclusive privilege banking zones in our branches.Waiver of the trading account opening fee of ₹975 and of the first year demat Annual Maintenance Charge (AMC) of ₹500 |
A Savings Account is a basic type of bank account that allows you to deposit money, keep it safe, and withdraw funds, while earning interest. Savings Accounts help feed your banking needs and provide a small interest on the deposit maintained. There are various variants depending on the profile of customers.
Interest is calculated on a daily basis on the daily closing balance in the Account, at the rate specified by ICICI Bank in accordance with Reserve Bank of India directives. The interest amount calculated is rounded off to the nearest rupee. Interest will be paid quarterly in March, June, September and December.
Savings Account can be opened online or through the branch. Customer can either visit the branch with the Know Your Customer (KYC) documents or express an interest to open an account online. A sales officer would approach him/her in person to collect the KYC documents and open the account.
Senior Citizen Fixed Deposits (FDs) and Recurring Deposits (RDs)
The Fixed Deposit interest rates for senior citizens are higher than regular FD rates.
These deposits have a flexible tenure ranging from 12 months to 60 months, which you can choose based on your needs.
Senior Citizen Savings Scheme
Post Office Monthly Income Scheme
Tax-free bonds
Debt funds
Mutual Funds
Using the online platform, customer can record his willingness to open an account. A sales officer would approach him/her in person to explain the various account variants and to collect the KYC documents to open the account.
The ONE Savings Account
A premium Savings Account for the achievers of today which will not only help you realise your financial goals, but will also upgrade your lifestyle.
Regular Savings Account
Silver Savings Account
Gold Savings Account
Titanium Savings Account
Investment and Tax Savings Account
Savings Family Banking Account
3 in 1 Savings Account
Gold Plus Savings Account
Hindu Undivided Family (HUF)
Aura and Awsa Savings Account for working and homemakers, respectively.
Senior Club Savings Account for senior citizens.
Basic Savings Bank Deposit Account, Easy Receive Account are other types of Savings Account.
All account variants have their perks and benefits. So it is wise to understand the requirement and choose accordingly based on one’s profile and transaction preferences.
Interest is calculated on a daily basis based on the balance maintained daily and the interest is paid at the end of each quarter. So, customers expecting higher interest rates can maintain balances in their accounts. However, FDs and RDs are better investment vehicles and offer a better interest rate.
KYC documents have to be provided for verification and a photocopy for account opening. The following documents suffice as proof:
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