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Current Account is a bank account for people who run businesses, specially designed for carrying out day-to-day business transactions easily. The deposit in a Current Account can be withdrawn by the depositor at any time. The depositor is at liberty to operate this account multiple times a day. This account is generally opened by entrepreneurs, firms, companies and traders. Click here
You can open a Current Account with ICICI Bank using any of the below ways:
| Savings Account | Current Account | |
|---|---|---|
| Meaning | Meant for savings | Meant for business purposes |
| Suitable for | Any Indian resident can open this account | Firms, companies, traders and entrepreneurs who need to access their accounts frequently |
| Transactions allowed | Limited transactions | Multiple transactions |
| Interest earned | 2.5% per annum (usually) | No interest |
| Minimum Balance | Usually low | Usually high |
| Overdraft facility | Not offered/ allowed | Overdraft facility provided |
Current Accounts do not pay interest on your balance. They are designed to facilitate transactions and provide easy access to funds. If you are looking to earn interest, you may opt for a Savings Account or a Fixed Deposit.
Yes, you can enroll in any programme if you fulfil the eligibility criteria for that programme.
No, there is no separate account for merchants and traders. Merchant and Trade solutions are embedded in the current account and programmes.
Yes, individuals are eligible to open a Current Account with ICICI Bank. A Current Account is useful for those who need to handle multiple transactions and maintain liquidity. The Bank offers both business and individual accounts with different features and advantages.
Absolutely. You can have more than one Current Account as it can help manage financial aspects like segregating personal and business transactions. Just ensure that you fulfil the balance criteria for each of your Current Accounts.
Yes, an ICICI Bank Current Account includes an ATM Card. With this Card, you can withdraw cash, check your balance and carry out transactions at ATMs and Point-of-Sale (POS) terminals.
