NRO Savings Account FAQs

Who is an NRI?


An NRI is an Indian citizen who stays outside India:
(a) for purposes of carrying out employment or any business or vocation;
(b) under circumstances indicating an intention to stay outside India for an uncertain duration;
(c) any Indian citizen deputed outside India for a temporary period in connection with employment.

Who is a PIO?


A citizen of a foreign country (other than a citizen of Bangladesh or Pakistan) is a PIO if
(a) he/ she at any time held an Indian passport; OR
(b) he/ she or either of his/ her parents or any of his/ her grandparents was a citizen of India; OR
(c) spouse (not being a citizen of Bangladesh or Pakistan) of an Indian citizen or (a) or (b) above.

What type of bank accounts can be opened by NRIs / PIOs?


Following types of bank accounts can be opened:
(a) Non-resident External (NRE)
(b) Non-resident Ordinary (NRO)
(c) Foreign currency Non-resident (FCNR)

 

How can I open an NRO Savings Account?


You can open an NRO Savings Account by applying online. Click on link below and our customer service representative will call you back in next 15 minutes to assist you in opening an account.

 

What are the documents that I have to submit to open an NRO Savings Account?


Please click here to know the documentation requirements for opening an NRO Savings Account.

Can I continue to operate my resident account if I open an NRI account?


When you attain non-resident status, you must re-designate your resident account to an NRO (Non-Resident Ordinary) account.

What is the minimum amount with which I can open an NRO Savings Account?


The minimum amount for opening an NRO Savings Account is 15,250.

What is the interest rate payable in NRO savings account?


W.e.f. April 1, 2010, interest for all rupee savings accounts will be calculated on the daily closing balances maintained in the account. W.e.f. May 3, 2011, the interest will be calculated @ 4.0% per annum instead of 3.5% per annum. Interest so calculated is rounded off to the nearest rupee, ignoring fractions of a rupee. Interest is paid half-yearly in September and March.

 

Are my NRO Savings Account funds repatriable?


The principal amount is not repatriable and can be used only for local payments. However, the interest earned is fully repatriable. Other current incomes such as pensions, dividends, rent, etc are also repatriable, subject to producing the appropriate certificate from a chartered accountant.

Funds up to USD 1 million (or equivalent) per financial year can be repatriated out of the balance held in NRO accounts for any bonafide purpose subject to satisfying documentation requirements

Is interest earned on NRO Savings account taxable in India?


Yes

Can I open my account in any currency?


Yes, you can open your account with INR or any convertible foreign currency. We will convert your currency into INR and open the NRO Savings Account. Your NRO Savings Account will be maintained in only INR.

 

Can I have joint account holders for my NRO Savings Account?


Yes. You can hold your NRO Savings Account jointly with other resident or Non-Resident Indian(s). You can authorise an Indian resident to operate your account, by submitting a mandate letter. You can also register nomination for this account.

 

Where will my Indian salary be credited if I close my resident account?


If you have re-designated your resident account to a new NRO account, your Indian salary will be credited to your new NRO account.

How can I view my tax credit statement for getting details of TDS deducted?


You can view your tax credit statement by logging to internet banking. Alternatively,click here to view your tax credit details directly.

What is DTAA & how can I avail benefit of reduced TDS rates under DTAA?


DTAA stands for Double Taxation Avoidance Agreement. Income Tax rates will be as per DTAA (Double Taxation Avoidance Agreement) agreed between India and various countries, in the case of depositor is resident of any of those countries.

You can avail DTAA benefit on your NRO accounts by providing a self-declaration in the prescribed format, self attested PAN card copy, Form 10F and tax residency certificate for the current year.


For more information on DTAA & documents, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

Is PAN card mandatory for availing DTAA benefit?


Yes. PAN card is mandatory for availing DTAA benefit

When do I need to submit the documents for availing DTAA benefit?


Documents need to be submitted at the time of requesting for the DTAA benefit as well as for each year during the tenure of the deposit / account.

What is Money2India.com?


Money2India.com is a very convenient, efficient, secure and cost–effective online money transfer tracking service.

Simply complete a one-time instant, online registration for the service at www.money2india.com and start sending money from any bank in over 8 countries to any beneficiary in India.


Over the years of constant engagement with our users, we understand your anxiety during money transfers and our priority is to relieve you of this anxiety by ensuring seamless transfers - with round the clock customer service availability.


Money2India.com is trusted by hundreds of thousands (lacs) of users annually for their money transfer needs to India and continues to be a preferred online and secure money transfer tracking service


For more details go to our website or click here.


To register click here

Benefits of Money2India?


  • Convenience to you – secure transfers from any bank overseas
  • Convenience to your beneficiary - wide range of delivery options
    • Electronic transfers into accounts with over 75,000 bank branches in India
    • Electronic transfers into any resident Visa Debit Card issued in India
    • Demand Drafts issued and dispatched to your beneficiary in India
  • Online tracking and e-mail updates on status of your money transfers
  • With the "Track Transfers" facility within your Money2India.com login section you can receive real-time online updates as well as email alerts on every step of your money transfer.
  • Cost efficient and Competitive exchange rates
  • Money2India.com offers low cost services and competitive exchange rates, so you get more Rupees for every unit of foreign currency that you send.
  • 24X7 Service Committment

Which countries is the service available in? Which currencies are supported?


The Money2India.com service facilitates money transfers to India in 8 currencies from any bank in 8 countries as listed below:

North America: USA (USD), Canada (CAD), Europe: UK (GBP), Sweden (SEK), Switzerland (CHF) Asia: Singapore (SGD), Hong Kong (HKD), UAE (AED)

 

Asia: Singapore (SGD), Hong Kong (HKD), UAE (AED)


To know more on the Money2India transfer modes in each of the countries, please select your Country of Residence. You can also contact the Money2India Customer Service team for any assistance

Questions on Inactive / Dormant Accounts


a. What is meant by an Inactive / Dormant account?

Inactive Account Definition: If there are no transactions in your savings account for more than 12 months, the account will be classified as "Inactive".

Dormant Account Definition: If there are no transactions in your savings account for more than 24 months, the account will be classified as "Dormant".

This is a measure to safeguard your interest, as it is possible that you may not be monitoring your account. A letter to this effect would be sent to your communication address


b. What are restrictions, when my account becomes Inactive / Dormant?

Inactive Account restriction: You cannot request for issue of chequebook incase your account is inactive.

Dormant Account restrictions: The following requests are not permitted in a dormant account:
- Requests for issue of chequebook
- Renewal of ATM/ Debit Card
- Requests for change of address, addition or deletion of joint holder, signature modification
- Withdrawal through ATM, Internet Banking, Branch etc

c. How do I activate my Inactive / Dormant account?

Inactive Account Activation: In order to make your account active (from inactive stage) please conduct a transaction by cheque, ATM or by infinity, else visit the nearest ICICI Bank branch in India and submit an account-activation letter.

Dormant Account Activation: In order to normalize your account (from dormant stage), you may use any one of the following channels:
- Send an account activation request to:
NRI Services Center (CPC NRI) ICICI Bank Limited RPC Mumbai,
Autumn Estate, 5th Floor,
'A' Wing, Near Mhada,
Chandivali, Andheri (E),
Mumbai - 400 072, INDIA.
- Write to us by logging in www.icicibank.com and placing the request through "Service Request" option available in    your Internet Banking
- Call us on +91 40 23128925, if you are currently residing abroad or in India
- Toll Free Number:
  US/Canada: 1 866 ICICI 4 U;
  Singapore: 800 ICICI 4 U;
  UK: 0 8081 314 151;
  India: 1800 22 4848
- Visit the nearest ICICI Bank Branch in India and submit an account-activation letter

How can I transfer funds from my NRE / NRO savings account?


You can request for Funds Transfer Online by following the steps below :

  • Visit our web site www.icicibank.com
  • Enter your Internet Banking user ID and password
  • Click on 'Funds Transfer'
  • Choose one of the transfer options
  • You need to follow the below mentioned steps to register and authenticate your payee:
  • Go to specific funds transfer section (Other ICICI Bank Account, Non-ICICI Bank Account or Card-2-Card Funds Transfer) and register a Payee Once payee details have been entered, the registration will be in "Pending Confirmation". No transfers will be allowed to a payee.
  • You will receive an email alert along with the Unique Registration Number (URN) You can now login to Internet Banking and confirm the Payee registration by entering URN in the “confirm payee” space provided On successful authentication the status of the Payee registration will be updated from "Pending Confirmation" to "Registration Confirmed" You will now be allowed to transfer funds to the particular Payee for the specific service


Alternatively ,you can also confirm your registered payee by calling our 24-hour Customer Care You can also send a letter with complete funds transfer details, duly signed to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service. You can also visit any ICICI Bank branch in India and submit a letter duly signed for Funds transfer. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

What are the service charges for my NRE / NRO savings account?


Click here to view service charges for NRE / NRO Savings Account.

What minimum balance would I be required to maintain in my NRE/NRO account?


The minimum Monthly average balance (MAB) required to be maintained is INR 10000 at an account level OR INR 25,000 at Customer ID level.

 

Customer ID level: Monthly average balance in NRE Savings / Non interest bearing account + Monthly average balance in NRO Savings / Non interest bearing account + Month end balance in Fixed deposit/s and Recurring deposit/s within the same customer ID.

How do you calculate MAB?


MAB is the sum of the daily balances of your account divided by number of days in that month.

Can I convert my Resident Account to NRO account?


Yes. You can convert your Resident Account to NRO Account.

According to FEMA guidelines, when an individual changes his residential status from 'Resident' to 'Non-Resident', he must re-designate his resident account as an NRO (Non-Resident Ordinary) account. Along with the NRO account you can open NRE account.

To re-designate your Resident account, fill in the account opening form and submit the relevant documents along with the address proof to our India address:

ICICI Bank Ltd
NRI Remote RM Channel, 4th Floor, A wing
"Autumn Estate"
Chandivili Farm Road
Chandivili, Andheri (East)
Mumbai-400072
INDIA

Click here to print the Conversion Letter and download the Account Opening form.

Note:
After re-designation of your resident savings account to NRO savings account, the account number will remain the same and funds from resident savings account will automatically be transferred to NRO savings account Rs.250 included in the account opening funds are the charges for sending the initial account opening deliverables If the total balance under your customer ID is less then Rs.25000, we request you to send an account opening cheque of atleast Rs.15000 with your application In case of your Indian Address not being changed you would not be required to submit the proof. However, if it has changed you would be required to submit the proof Current (i.e. overseas) address proof is required mandatorily

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank Branch in India and submit the conversion request along with the relevant documents.

In case of further queries, please write through Email us or call our 24-hour Phone Banking Services

How can I request for a demand draft to be sent to any address in India?


You can request for a demand draft by applying online through "Service Request" option available in your Internet Banking. Alternatively, you can Click here to fill up the request form, take a printout and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the ' Demand Draft' Request form. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com. * Charges will be as per applicable service charges.

How can I request for an Address Change on my account?


You can request for your address updation in our records by sending the 'Address Change' request form, signed by the primary applicant along with a valid address proof to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

Click here to download the 'Address Change' form and also refer to the list of valid address proofs.Please ensure you attach the relevant address proof to avoid delay in executing your request.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'Address Change' request.To refer to the updated list of our branches please Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I update my Signature on my account?


You can request for a Signature Updation by downloading the 'Signature Change' request form, and send the completed form alongwith relevant documents to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

Click here
to download the 'Signature Change' request form. Also attach any one of the following as proof of your changed signature: Any government issued photo identity document having a seal / stamp of government authority as a proof of current signature on the form New signature attested by another Banker / Indian Embassy / Notary If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the ' Signature Change Form'. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I update my Contact number?


You can login to Internet Banking and update your Contact Number through “Update my contact number“ options available Online

 

You can also make the request for 'Tel No. Updation' by contacting our 24-hour Customer Care

 

Alternatively, you can click here to download the request form and mail it to our India address:



ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service. You can also visit any ICICI Bank branch in India and submit the request letter. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I update my E-mail ID ?


You can make the request for 'E-mail ID Updation' by contacting our 24-hour Customer Care Alternatively, you can click here to download the request form and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service. You can also visit any ICICI Bank branch in India and submit the request letter. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com."

How do I register for E-statement facility on my account?


You can register for E-statement facility by applying Online through an option available through Internet Banking. Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service. You can also visit any ICICI Bank branch in India and submit the registration form. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I repatriate funds from my NRE/FCNR/RFC account?


For making an outward remittance from your NRO account, please Request letter specifying the necessary details. In addition to this, you have to provide documentary proof of the source of the funds sought to be remitted and C.A. Certificate in Form 15CA and 15CB.
The formats and submission details are available at the Tax Information Network website of the Income Tax Department, at http://www.tin-nsdl.com.
Demand Draft
Wire Transfer

You can place a request for Repatriation from fixed deposit through any of the following modes:

You can request for “Repatriation of Funds” by applying Online through ""Service Request"" option available in your Internet Banking

Alternatively, you can click here to download the request form for 'Outward Repatriation of Funds' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the request. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through ""Email us"" option, at our website www.icicibank.com.

In case of Fixed Deposit closure wherever currency conversion is involved, w.e.f 1st April 2011, ICICI Bank Ltd. will levy the revised service tax as per the Service Tax Rules (1994) amended by Ministry of Finance (Govt. Of India) vide Notification No. 26/2011 – Service Tax, on 31st March, 2011.Please click here to know the slabwise service tax structure.

* Repatriation of funds will be subject to regulations of relevant jurisdiction as existing from time to time"

What is the process for obtaining C.A. Certificate?


Form 15 CB needs to be certified by a Chartered Accountant. To download the form please visit the following link.

On the basis of this certificate, Form 15 CA has to be filled in online at the following link:). The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made. The detailed process of filling up the form is also available at the above mentioned site. The filled up form then needs to be produced along with the 15 CB to the branch.

What is the limitation for repatriating funds out of NRO account?


Subject to a limitation of USD 1,000,000, you can repatriate your current income for the current financial year. Current year is the financial year in which the remittance is sought to be made.

Can a joint/mandate holder initiate remittances from NRO account?


In case of NRO account, the joint holder may be resident or non-resident. In case the remittance is being initiated by the resident joint account-holder or the mandate holder, the beneficiary must be the account holder/s. Mandate holder can only repatriate the current income from the NRO account.

Can the proceeds of sale of immovable property be repatriated out of NRO account? What is the process to repatriate such proceeds?


The proceeds of sale of property can be repatriated out of NRO account. The property sale deed and purchase deed should be documented and copies submitted to the branch. If the property was acquired as a gift/inheritance then gift deed or Will/Succession certificate/Certificate of probate/Legal Heirship certificate for the deed should be documented and copies submitted to the branch. If the documents are in any language other then English and Hindi, please submit a translated copy of the same along with the vernacular declaration duly notarized.

The amount sought to be repatriated should not exceed the sales proceeds and should be within the limit of USD 1,000,000 per financial year.

Can I transfer funds from my NRO to an NRE / FCNR account?


Funds from NRO account cannot be transferred to an NRE / FCNR account since funds in an NRO account cannot be repatriated outside India. However, RBI has now permitted transfer from NRO account to NRE account subject to the submission of required documents and subject to total amount of funds transferred to NRE account and/or repatriated abroad through NRO account during this financial year is within the limit of USD One million.

Click here for request letter for transfer of Funds from ICICI Bank NRO a/c to NRE a/c.
Click here for request letter for transfer of Funds from non ICICI Bank NRO a/c to ICICI Bank NRE a/c.

How can I request for closure of my Savings account?


You can request for Account Closure by downloading the 'Account Closure' request form, filling it up and mailing it to our India address: ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click here to download the 'Account Closure' request form. Please note that in case your account is currently in inactive / dormant status, you are required to activate your account before submitting the request for closure.

Click here
to download the account activation request form. If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

Click here
to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'Account Closure' request. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

* Charges will be as per applicable service charges.

What are the limits on an silver debit card for NRI customers?


Cash withdrawal limit of Rs. 25,000 per day and transaction limit (w.e.f. October 1, 2011) of Rs. 50,000 per day at merchant establishments.
What are the charges for the debit card?

What are the charges for the debit card?


For Debit Card annual charges, Cash Withdrawal & Balance Enquiry charges at non ICICI Bank ATM's – Please click here for more information.

 

Whom do we contact for help on debit card related issues while we are abroad?

Whom do we contact for help on debit card related issues while we are abroad?


You can contact Visa Global Customer Assistance Service. Click here for details.
Toll-Free Number: 1800-345 1345

Can a joint account holder have a separate debit card?


Yes, a joint account holder can definitely be issued a separate debit card.

How can I request for an ATM/ Debit Card and Pin?


You can request for an ATM/Debit Card & Pin by applying Online through "Service Request" option available in your Internet Banking.

 

You can also make an ATM/Debit Card & Pin request for by contacting our 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:

 

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

 

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

 

You can also visit any ICICI Bank branch in India and submit the 'request form'.

 

* Charges will be as per applicable service charges

How can I request to deactivate my ATM/Debit Card?


You can request to deactivate (Hotlist) your ATM/Debit Card by by applying Online through "Service Request" option available in your Internet Banking. Alternatively,you can also make the request by calling our 24-hour Customer Care You can also visit any ICICI Bank branch in India and submit a request letter.

Do banks levy any service charge for use of other bank ATMs in India?


W.e.f. July 15, 2011, there are no charges for the first five transactions (inclusive of financial and non-financial transactions) in the month. Thereafter, applicable charge is Rs.18 per cash withdrawal (financial) and Rs.8.50 per balance inquiry, pin change and mini statement (non-financial) transactions.

What should be done in case during the cash withdrawal process, cash is not disbursed by ATM but the account gets debited for the amount?


The customer may lodge a complaint with the card issuing bank. This process is applicable even if the transaction was carried out at another banks ATM.

How many days maximum would the bank require to re-credit the account for such wrong debits?


As per the RBI instruction, the issuing bank may re-credit such wrongly debited amounts within a maximum period of 7 working days from the receipt of the customer compliant.

In case the compensation is not credited as mandated, what recourse does the customer have?


For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.

Will I get a debit card with my NRO savings account?


Yes. You will get a domestic debit card which can be used only in India for cash withdrawals and for purchases at merchant locations in India.

Where can I use the NRO domestic debit card?


Your domestic debit card can be used at any ICICI Bank ATM in India, any other VISA enabled bank ATMs and merchant locations in India.

Are there any transaction limits for the NRO domestic debit card?


Cash withdrawal limit of Rs. 25,000 per day and transaction limit (w.e.f. October 1, 2011) of Rs. 35,000 per day at merchant establishments.

Can I use the NRO domestic debit card for shopping on the Internet?


No. The domestic debit card is not enabled for online transactions. This is because, as per Reserve Bank of India ("RBI") guidelines, funds in NRO account are not freely repatriable in nature.

Why do I get only a domestic debit card for my NRO account?


If you have opened a new NRO savings account, you would get a VISA domestic debit card which can be used for cash withdrawals in India and for use at merchant locations in India.

International debit card is not issued for NRO accounts because funds in NRO account are not freely repatriable. If you are holding an existing NRO savings account and are using an ATM card, you would need to apply for a domestic debit card by putting up a request for card re-issuance.

How do I apply for the NRO domestic debit card?


You can request for a domestic debit card through any of the following modes: Through phone banking Placing an online request through your Internet banking account Sending the request Form either directly to NRI Services Centre, Mumbai or Fax it to us or use our PO Box service. By visiting any of our branches in India

I am holding an ATM card and would like to apply for a NRO domestic debit card. What are the charges for getting the domestic debit card?


There will be a one time nominal charge of Rs. 375 plus applicable service tax. This charge would not be applicable if the deliverable is to be sent to an Indian address.

How is the NRO domestic debit card different from an ATM card?


Both the domestic debit card and ATM card will allow you to make cash withdrawals at ICICI Bank ATMs in India. The domestic debit card in addition would also allow you to make cash withdrawals at other bank’s VISA enabled ATMs in India and make purchase transactions at all VISA enabled merchant locations in India

How can I request for a New Cheque Book?


You can request for a Cheque Book by applying Online and placing the request through "Service Request" option available in your Internet Banking. You can also make a Cheque Book request by calling our 24-hour Customer Care.

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit 'Cheque Book request' form. To refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges.

How can I request for Stop Payment?


You can request for Stop Payment by applying Online through "Service Request" option available in your Internet Banking.

 

Alternatively, you can make a request by contacting our 24-hour Customer Care

 

You can also visit any ICICI Bank branch in India and submit a request letter. To refer to the updated list of our branches please, Click here

 

* Charges will be as per applicable service charges

How can I register for Internet Banking facility?


--------------

Can I link all my credit card to Savings account under a single user id?


Yes.You can request for to link your credit card to savings account by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'request form'. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

Can I link all my loan account to Savings account under a single user id?


Yes.You can request for linking your loan account to Savings account by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can Click here to download the request form, and mail it to our India address:
ICICI Bank Limited
Internet Banking Department
6th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'request form'. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

Can I link my all my Saving accounts under a single user id?


Yes.You can request to link all Saving accounts under a single user id by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited
Internet Banking Department
6th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'request form'.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

How can I request for reissue of my Internet Banking Password?


You can click here to apply online for reissue of internet Banking Password. Alternatively, You can request for reissue Internet Banking Password by by contacting our 24-hour Phone Banking services. * Charges will be as per applicable service charges.

How can I activate my disabled internet banking user Id?


You can activate the user Id by calling our 24-hour Customer Care service numbers or by sending the duly signed request letter at the below address

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the duly signed request letter.

I have forgotten/ not received my User ID and Password, how can I obtain them?


If you have forgotten your Internet Banking User ID or have not yet received it, please call our 24-hour Customer Care Centre to get the same.

All you will need to do is authenticate yourself and ask for your User Id. You can also request for a new password if you have forgotten the same.

The password would be couriered to you on your address available with the bank.

Your passwords cannot be given on telephone for security reasons.
How do I add a payee on internet banking to transfer funds

How do I add a payee on internet banking to transfer funds


Please Log into Internet banking section on ICICI Bank website.
• Under Funds Transfer section select 'Add Payee'.
• Infinity system would send an URN on your registered email address.
• Please accesses ‘confirm payee’ link on Infinity.
• You will be prompted for the URN.
• On successful validation the payee is added.

Will I get internet banking access alongwith the fixed deposit?


No, we do not provide Internet Banking facility on stand alone fixed deposit account

How can I register for Mobile Banking facility?


You can subscribe for Mobile Banking by downloading the 'Registration form', filling it up and mailing it with relevant documents to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali v Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

Click here to download the Mobile banking registration form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'Registration Form'. Please ensure that you carry a valid identity proof when you visit the branch.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

How can I request for an ATM Card for my Mandate?


You can request for an ATM/Debit Card by applying Online through "Service Request" option available in your Internet Banking.

You can also make an ATM/Debit Card request for by contacting our 24-hour 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'request form'.

* Charges will be as per applicable service charges.

How can I register a mandate on my account?


To register a mandate holder for your account, you need to download the request form, fill it and send it to your proposed mandate holder. The Mandate Registration form has to be signed by both the Account holder and the Mandate holder.

Click Here to download the 'Add a Mandate' request form.

The mandate holder then needs to visit an ICICI Bank branch and submit the request form along with the relevant documents.To refer to the updated list of our branches please, Click here

Mandate holder is required to submit a recent photograph and a copies of relevant Identity and Address proof along with the form. The photocopies of the documents have to be self-attested. Also the original documents have to be carried for verification.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I cancel a mandate from my account?


To cancel the mandate updated on your account, you need to send the request form,completely filled to your mandate holder.

Click Here to download the 'Cancel Mandate from my account' request form.The mandate cancellation form has to duly signed by the account holders and the mandate.

Your mandate holder can submit the form to us in any of the ways mentioned below:

By mailing it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai- 400072
INDIA

By visiting any ICICI Bank branch and submitting the request.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I update new mandate on my account?


To change the mandate holder on your account, you are required to download the Mandate Updation form, which has to be duly signed by the account holder(s), the existing mandate holder and also the person you wish to appoint as the mandate. (new mandate holder)

The new mandate holder then needs to visit an ICICI Bank branch and submit the request form alongwith the relevant documents.To refer to the updated list of our branches please, Click here

The new Mandate holder is also required to submit a recent photograph and a copies of relevant Identity and Address proof along with the form. The photocopies of the documents have to be self-attested. Also the original documents have to be carried for verification.

Click here to download the 'Update new Mandate in my account' request form.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

What are the facilities and rights available to the mandate holder?


A mandate holder is entitled to Operate the NRI account locally
He / she can issue cheques for local payments on behalf of the account holder
He / she can execute all instructions except the following:

Opening / Closure of fixed deposits
Repatriation of funds to anyone other than the account holder
Gifting of funds

How can I register a nominee on my account?


To register a Nominee, Click here to download the 'Add a Nominee- DA1 form' ', fill it up and mail to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Please Note that :
The nomination form has to be signed by all the account holders and witnessed simultaneously. A witness for the nomination form is mandatory. He / she can be any person known to the account holder as well as the nominee The signature of the nominee is not required on the nomination form. One witness (known to the account holder as well as the nominee) is required to attest thumb impression(s) / sign on the form

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service. You can also visit any ICICI Bank branch in India and submit the 'DA1 Form'.

If you still do not wish to register a nominee, please send us a letter cum 'No Nominee declaration'.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I cancel a nominee in my account?


You can download the ' Nominee Cancellation- DA2 form' request and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click here to download the 'Cancel Nomination in my account – DA2 form'.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the Cancel Nomination in my account – DA2 form'.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I update a new nominee on my account?


You can download the 'Nominee Updation- DA3 form' request form and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click here to download the 'Update new Nominee – DA3' form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'Update new Nominee – DA3' form.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

How can I declare for “No nominee” on my account?


You can download the 'No Nominee Declaration' , and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click Here to download the 'No Nominee Declaration'.



If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. Click here to learn more about the P.O. Box Service.

You can also visit any ICICI Bank branch in India and submit the 'No Nominee Declaration - D1 '.

For any clarification or more information, please call us on our 24-hour Customer Care24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

.

Can I nominate more than one person for one account?

Can I nominate more than one person for one account?


No, only 1 person can be nominated for an account

Can I register different nominees for different accounts?


Yes, you can have separate nominations for different accounts.

If I register a nominee when I open the account, do I have to fill in the nomination every time I make a new deposit?


No, you don't have to go through the same procedure every time. ICICI Bank allows NRIs to give a one-time instruction to make the nominee applicable for all accounts.

Do I need to submit my Permanent Account Number (PAN) to the Bank?


From April 1, 2010 Permanent Account Number (PAN) shall be mandatory for Non-Resident Indians to avail benefit of lower tax deduction under Double Taxation Avoidance Agreement (DTAA) treaty. Hence it is advisable to submit your PAN to the Bank.

Please note that it is also essential to update your PAN number with us for getting TDS certificates, repatriating funds from NRO account as well as getting tax credit in your tax pass book for TDS deducted on your NRO accounts.

How to update your PAN number?


You can submit a self attested copy of your valid PAN card at any ICICI Bank branch in India or send it by courier or registered post at the following address: ICICI Bank Limited, RPC Mumbai, 5th Floor, A-Wing, Autumn Estates, Chandivali Farm Road, Chandivali. Land Mark: Next to Chandivali Studio, Opp. MHADA Andheri-East, Mumbai- 400072 INDIA.

Please remember to mention your full name & account number.

How to apply for PAN?


In case you do not have a PAN card or you have not yet applied for a PAN card, the same may be obtained as per the details given on the following websites:
https://incometaxindiaefiling.gov.in/portal/index.jsp
http://www.tin-nsdl.com
http://www.utitsl.co.in

How do I register myself under “Do not call”


If you wish to register yourself under DNC, you may visit www.icicibank.com and register yourself under the “Do not call” option present at the bottom of your screen. Please note that we will take 15 days from registration to process your request.

Please note that even if you register under DNC you will continue to receive service level communication viz. account statements, revision of charges etc.

I have already registered under “Do not call”. However, I have been receiving promotional calls/ emails from you?


Please write to us mentioning your name, country, telephone numbers (Format: ISD- Area code and number for landline numbers, and ISD- Number for mobile numbers) and email ID. Alternatively, you may email us at donotcallregistry@icicibank.com to register yourself. Please note that we need atleast 15 days from the receipt of your details to process your request.

My country is not reflecting in the drop down menu present on the site. What should I do?


Please write to us mentioning your name, country, telephone numbers (Format: ISD- Area code and number for landline numbers, and ISD- Number for mobile numbers) and email ID. Alternatively, you may email us at donotcallregistry@icicibank.com to register yourself. Please note that we need atleast 15 days from the receipt of your details to process your request.