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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
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- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Zero Forex Markup Current Account
Maximise your savings and boost profitability with our Zero Forex Markup current accounts
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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Earn up to 6.50% interest on your Savings Account
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Open Digital Savings Account : Earn up to 6.50% p.a. Interest
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Recognised among the World's Best Banks 2025 by
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Digital Savings Account: Instant Account Opening
Make the most of your savings with IDFC FIRST Bank Digital Savings Account, with fast, convenient and reliable services at your fingertips. Open a digital bank account with IDFC FIRST Bank within minutes, from the comfort of your home.
Read moreKey Features of IDFC FIRST Digital Savings Account
Hassle-free fund transfer
Enjoy easy and quick fund transfers through NEFT, RTGS, IMPS and UPI round the clock.
Convenient Withdrawals
Instant account opening through a fully digital onboarding process that lets you complete online verification through video KYC or visit a branch.
Purchase limit & ATM withdrawal limit
Purchase limit of ₹6 lakhs, daily ATM withdrawal limit of ₹2 lakhs for ₹25,000 AMB Savings Account variant.
Monthly interest credit
Grow your savings with monthly interest credits with interest paid at the end of each month.
Choose Your Preferred Savings Account Balance Option
Choose from our Savings Account variants that match your lifestyle:
₹10K
Average Monthly Balance
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Access Great Features with ₹10K Average Monthly Balance
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Daily ATM cash withdrawal limit of ₹1 lakh and higher purchase limit of ₹4 lakhs
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ATM transactions at any bank, anywhere in India
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Free Personal Accident Insurance Cover of ₹5 lakhs and Air Accident Insurance Cover of ₹30 lakhs
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Lost card liability protection of up to ₹4 lakhs
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Purchase Protection of up to ₹50,000
₹25K
Average Monthly Balance
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Enjoy Premium Benefits with ₹25K Average Monthly Balance
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ATM transactions: at any bank, anywhere in India
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Higher daily purchase limit of ₹6 lakh and higher daily ATM withdrawal limit of ₹2 lakh
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Complimentary domestic airport lounge access, once every quarter
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Free Personal Accident Insurance Cover of ₹35 lakhs and Air Accident Insurance Cover of ₹1 crore
Digital Savings Account Offers & Rewards You Cannot Miss
Pay Bills Conveniently
Log in to your mobile banking app and pay your bills like credit card, electricity, and telephone bills instantly.
Debit Card for Quick Access to Funds
Use your Debit Card for online shopping and avail various discounts and offers, to unlock a range of benefits and rewards.
Secure and Reliable Banking
IDFC FIRST Bank keeps your account secure with two-step authentication, chip-and-pin security for debit cards, and OTP verification.
Easy Investment
Invest in Fixed Deposits, Mutual Funds and other savings schemes to grow your wealth using your IDFC FIRST Bank Savings Account.
Accident Insurance
Get free personal accident cover of ₹35 lakhs and air accident cover of ₹1 crore with IDFC FIRST Bank’s 25K AMB variant.
Digital Savings Account vs Regular Savings Account
| Feature | Digital Savings Account | Regular Savings Account |
|---|---|---|
| Account Opening | Fully online with paperless video KYC (quick & convenient) | Typically opened through a branch visit or online with more paperwork |
| Minimum Balance Requirement | May require maintaining a monthly minimum balance (e.g., ₹10,000 or ₹25,000) | May require maintaining a monthly minimum balance (e.g., ₹10,000 or ₹25,000) |
| Convenience & Access | 24/7 access via mobile app with expense tracking, bill payments, and fund transfers | Standard access through branch, net banking and mobile app, but onboarding is less streamlined |
| Interest & Growth | Competitive interest rates with monthly credits | Offers similar interest rates, but benefits depend on account variant |
| Best For | Tech-savvy customers who prefer digital-first banking and quick onboarding | Customers who are comfortable with traditional branch banking or specific savings account variants |
Digital Savings Account Interest Rates & Charges
IDFC FIRST Bank Digital Savings Account offers up to 6.50% p.a. interest, credited monthly to help your savings grow faster.
View Interest RatesHow to Open a Digital Savings Account with IDFC FIRST Bank
Follow these steps to open a Digital Savings Account
Start
Enter your Aadhaar and
PAN details
Complete Aadhaar OTP
verification
Pick the variant of your choice
and open account
Watch this video to know more
Digital Savings Account Eligibility & Documentation
Who can apply for Digital Savings Account?
Indian citizens born in India who are tax residents of the country can open a Digital Bank Account. Please note that applicants must be physically present in India at the time of Digital Account opening.
Documents Required for Digital Bank Account Opening
For Digital Account opening, you will need:
• Aadhaar number
• PAN number
• Aadhaar number
• PAN number
Digital Savings Account Fees & Charges
Enjoy effortless digital banking with the IDFC FIRST Bank Digital Savings Account. Get access to debit card facilities, ATM transactions, online fund transfers, and more with transparent charges. Bank from anywhere, anytime, with convenience, speed, and simplicity.
View Fees & ChargesDigital Savings Account FAQs
What is a digital savings account?
A digital savings account is a special type of savings bank account that offers all banking services digitally. You can access your funds online, pay at merchants and shops, track expenses and transactions, and pay utility bills online without visiting the branch in person.
How to open an IDFC FIRST Bank Digital Savings Account?
Know the steps how to Open Savings Account:
· Go to the digital savings account application link
· Enter your mobile number and email address
· Enter your Aadhaar or VID (Virtual ID) number and PAN (Permanent Account Number)
· Provide your professional details
· Select your preferred type of savings account and accept the terms and conditions by clicking on the check box
· Click on the ‘Proceed to open account’ button
· Complete the video KYC (Know Your Customer) procedure
· Deposit funds in your bank account and enjoy the digital banking services
What are the benefits of IDFC FIRST Bank Digital Savings Account?
Key benefits of IDFC FIRST Bank Digital Savings Accounts are:
· Access to funds round the clock
· Higher interest rates
· Utility bill payment
· Debit card facility
· Quick fund transfers
· Comprehensive banking services at the fingertips
What is Video KYC? Is it secure?
Video KYC is a virtual process wherein an IDFC FIRST Bank personnel verifies your details over a video call. The KYC process is quick, reliable, and simple. Since the Video KYC process is carried out by an authorised IDFC FIRST Bank professional over a secured channel, your information is completely secure.
What is the difference between a digital account and a normal account?
With a digital savings account, you get comprehensive banking services online, and you don’t need to visit the bank to open an account.
What is a virtual debit card?
As the name suggests, a virtual debit card is not a physical card, and you can access it only digitally. You can use the card number, CVV and pin to make online transactions and purchases.
How do I convert my savings account into a digital savings account
Every IDFC FIRST bank savings account can be accessed by the account holder through the official website or mobile banking app.
Can I open bank account with Aadhaar card?
Yes, you can open a bank account with your Aadhaar card and PAN card. Thanks to the digital application process provided by IDFC FIRST Bank, all you need to do is simply enter your Aadhaar card number and the bank will take care of the rest!
Can I obtain loans with a digital savings account?
A digital savings account from IDFC FIRST Bank offers access to a host of benefits and services and lets you apply for loans online. You can apply for various loans using the net banking or IDFC FIRST Bank mobile app anywhere anytime and receive funds in your bank account.
How can I transfer money from my digital savings account to another account holder?
You can use online fund transfer facilities such as NEFT, RTGS, IMPS, and UPI to send money to any account holder within IDFC FIRST Bank or another bank. However, for services other than UPI, you need to have the recipient’s account details such as account number, account name, and IFSC code.
What is the rate of interest I can earn on my savings account?
IDFC FIRST Bank offers one of the highest savings account interest rates in the sector and with a digital savings account, you can earn an interest rate up to 6.50% per annum. The accrued interest in your savings account is paid at the end of every month, leading to enhanced savings.
How much money can I deposit in my digital account?
The total cumulative credit (including cash deposits) in your account is restricted to Rs. 1 lakh until all the KYC requirements are met. You can visit your nearest branch or complete the video KYC process (24 hours, 365 days a year) to fulfil the KYC requirements and have unrestricted access to your account. Do note that these restrictions are placed by all scheduled banks as per the guidelines of the Reserve Bank of India. In addition, you must ensure that the average monthly balance (AMB) is maintained depending on the type of digital savings account you hold.
Is a digital savings account safe to use?
Yes, a digital savings account is safe to use when opened with a regulated bank. Banks use encryption, multi-factor authentication, and secure login systems to protect your data and transactions. IDFC FIRST Bank digital savings accounts come with advanced security features, ensuring safe banking through mobile and internet platforms.
Do I need to visit a branch after opening a digital savings account?
No, you do not need to visit a branch after opening a digital savings account as the process is fully completed online. IDFC FIRST Bank offers end-to-end digital onboarding through Aadhaar-based KYC and remote video verification, making the process quick and convenient.
What documents are required to open a digital savings account?
To open a digital savings account, you need your Aadhaar number and PAN for identity and address verification and completion of your digital KYC. The entire process is paperless, allowing you to open your account quickly and securely.
Are there any limitations on a digital savings account?
A digital savings account from IDFC FIRST Bank offers access to a host of benefits and services and lets you apply for loans online. You can apply for various loans using the net banking or IDFC FIRST Bank mobile app anywhere anytime and receive funds in your bank account.
Can I use all banking services with a digital savings account?
Yes, you can access most banking services with a digital savings account, including fund transfers, bill payments, UPI, and account management through mobile app and internet banking.
IDFC FIRST Bank offers full digital access, letting you transact, track balances, and use banking services anytime, anywhere.
Are there any limitations on a digital savings account?
Digital savings accounts may have account restrictions if KYC is not fully completed and are removed once full KYC is done. With IDFC FIRST Bank, completing digital KYC ensures uninterrupted access to all banking features and higher transaction limits.
Is there any difference between a digital savings account and a regular savings account?
You can use online fund transfer facilities such as NEFT, RTGS, IMPS, and UPI to send money to any account holder within IDFC FIRST Bank or another bank. However, for services other than UPI, you need to have the recipient’s account details such as account number, account name, and IFSC code.
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Testimonials
"I love the way the onboarding process of IDFC FIRST Bank Savings Account is set up and executed. Being a product manager myself, I appreciate the smooth and clean user experience that the bank offers."
Mahalaxmi
"Was hesitant initially on the video KYC process, but once the account was opened, with WhatsApp updates as well as the debit card and Welcome kit shared at record time, I was happy with the service. Thanks for this great experience. I never expected that an online process would be so easy and smooth. Thanks for the same."
Sherly Sabu
"I'm very happy to be a part of the IDFC FIRST Bank family. Thank you for providing the best service. "
Mohammed Aleem
"I actually cannot think of anything about IDFC FIRST Bank's Savings Account opening process that would have satisfied me better. Please keep doing what you’re doing. All the best."
K P Balaji
“Recently I opened a savings account with IDFC FIRST Bank. Firstly, in terms of the process to open savings account, it is truly hassle-free. Thanks for being ahead in terms of customer satisfaction and banking services, making it easy for new customers like me. I wish IDFC FIRST Bank a great future and looking forward to a long term association.”
Pitruprasad Dash
“I recently opened a Savings Account with IDFC FIRST Bank, and I must tell you that I'm really happy with the features and benefits offered by the bank. The netbanking services are quite advance which makes the process easy. Also, the IDFC FIRST Bank employees are cordial and helpful, making the overall experience a pleasant one.”
Sougata Das
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