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ICICI Savings Account

ICICI Savings Account Online

Last Updated 05th Jan 2022

  • ICICI Bank offers a wide range of savings account products for specific customer groups.
  • Minimum balance requirement to open a savings account in ICICI Bank is Rs. 10,000 in metro and Urban locations, Rs. 5,000 in Semi Urban and Rs. 2,000 in Rural locations.
  • You can get high returns up to 3.50% on a savings account.
  • Open instant ICICI Bank savings account online.
  • Internet banking and mobile banking facility available.
  • The facility of safe deposits locker facility, nomination available in ICICI Bank.
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ICICI Savings Account

ICICI Bank offers a wide range of savings accounts that allows individuals to deposit money, keep it safe, and withdraw funds, all while earning interest. It provides a savings account according to the needs of the specific customer groups and caters to their requirement. For instance, it offers the Premium saving account for its high-end customers and also provides the minor savings account for children below the age of 18 years. The bank offers several facilities like internet banking, mobile banking, and allows no minimum balance requirement in many saving account products.

Features and Benefits of ICICI Savings Account

Benefits of ICICI Bank saving Account are as follow:

  • ICICI Bank offers an interest rate on saving account in the range of 3.00% to 3.50%.
  • Balance requirement for ICICI Bank savings account is Rs. 10,000 in metro and Urban locations, Rs. 5,000 in Semi Urban and Rs. 2,000 in Rural locations.
  • An individual can transfer the ICICI Bank savings account to any other branch without changing the account number.
  • Safe deposits locker facility, nomination facility is also available.
  • ICICI Bank savings account provides the facility of linking to the Multi Option Deposit account to fetch higher term deposit interest on the surplus money.
  • It provides various kinds of debit cards as per account holder’s convenience.
  • ICICI Bank offer banking facilities like internet banking and missed call banking. An individual can also avail the mobile banking facility which provides services like interbank mobile payment services (IMPS), utility bill payments, mobile recharges, enquiry and statements and cheque book request.
  • No charge is levied for passbook service.

ICICI Savings account Charges

ProductMinimum balanceInterest RateNon Balance Maintenance Charges
Titanium Privilege AccountRs. 1,25,0003.00% - 3.50%Rs. 100 and 2 percent of the shortfall in required MAB or Rs. 500 whichever is lower
Gold Privilege Account Rs. 50,0003.00% - 3.50%Rs. 100 and 2 percent of the shortfall in required MAB or Rs. 500 whichever is lower
Silver Savings AccountRs. 25,0003.00% - 3.50%Rs. 100 and 5 percent of the shortfall in required MAB or Rs. 500 whichever is lower
Regular Savings AccountRs. 10,000 in metro and Urban locations, Rs. 5,000 in Semi Urban and Rs. 2,000 in Rural locations3.00% - 3.50%Rs 100 and 5 percent of the shortfall in required MAB
Advantage Woman Savings AccountRs. 10,0003.00% - 3.50%Rs. 100 and 5 percent of the shortfall in required MAB
Life Plus Senior Citizens Savings AccountRs. 4,5003.00% - 3.50%5 percent of the shortfall in required MAB or Rs. 100 whichever is lower
Young Stars Savings AccountRs. 2,5003.00% - 3.50%5 percent of the shortfall in required MAB
Smart Star Savings AccoountRs. 2,5003.00% - 3.50%5 percent of the shortfall in required MAB
Pockets Savings AccountNo limit3.00% - 3.50%There are no penalties or charges if you could not deposit money into a goal every month
Basic Savings Bank Account- The ICICI Bank EdgeNIL3.00% - 3.50%None

ICICI Savings Account Products

ICICI offers multiple savings account products for different purposes. Some of the popular products of ICICI savings are:

Titanium Privilege Account

Simple, Convenient and elite banking for you and your family.

Key Features:

  • Avail 40 percent discount on annual locker rentals
  • Complete waiver of DD or PO charges
  • Free Anywhere Banking: Online Bill Payments, round the clock customer care, Phone Banking
  • One nominee held singly or jointly. It can be changed during the subsistence of the account
  • Portability: transfer of your Savings Account from one branch to another branch of ICICI Bank
  • Money Multiplier Facility: Maximum liquidity and maximum returns by creation of a linked FD ensures higher rate of interest and makes your money multiply

Eligibility:

  • This account is for resident Indians of 18 years of age and above

Gold Privilege Account

Myriad products and services for convenient banking.

Key Features:

  • Avail 20 percent discount on annual locker rentals
  • Waiver of DD or PO charges of up to 1.5 lacs per day
  • Free Anywhere Banking: Online Bill Payments, round the clock customer care, Phone Banking
  • One nominee held singly or jointly. It can be changed during the subsistence of the account
  • Portability: transfer of your Savings Account from one branch to another branch of the bank
  • Money Multiplier Facility: Maximum liquidity and maximum returns by creation of a linked FD ensures higher rate of interest and makes your money multiply

Eligibility:

  • This account is for resident Indians of 18 years of age and above

Silver Savings Account

Best added benefits for convenient banking.

Key Features:

  • Get 15 percent discount on annual locker rentals
  • Waiver of DD or PO charges of up to Rs. 1 lac per day
  • Free Anywhere Banking: online bill Payments, round the clock customer care, phone banking
  • One nominee held singly or jointly. It can be changed during the subsistence of the account
  • Portability: transfer of your Savings Account from one branch to another branch of the bank
  • Money Multiplier Facility: Maximum liquidity and maximum returns by creation of a linked FD ensures higher rate of interest and makes your money multiply

Eligibility:

  • This account is for resident Indians of 18 years of age and above

Regular Savings Account

Convenient at home banking through online facilities

Key Features:

  • Free Anywhere Banking: Online Bill Payments, round the clock customer care and Phone Banking
  • Nomination Facility: one nominee held singly/jointly and can be changed during the subsistence of the account
  • Portability: transfer of your Savings Account from one branch to another branch of ICICI Bank
  • Money Multiplier Facility: Maximum liquidity and maximum returns by creation of a linked FD ensures higher rate of interest and makes your money multiply

Eligibility:

  • Resident Indian above the age of 18 can open a sole or joint account.
  • Foreign nationals and HUF can also open a savings account.
  • Individuals below 18 year can open Young Stars Savings Account.
  • Individuals above 60 years can open Seniors Club Savings Account.

Advantage Woman Savings Account

Exclusive discounts and cashbacks on skill building, health and lifestyle. They also have offers that help women look after themselves and their family better.

Key Features:

  • 50 percent discount on first year locker rentals
  • Preferential rates on Home Loan
  • Cashbacks and discounts on Skill Building from Manipal ProLearn, Ajivasan Music Academy and Image Consultants
  • Flat discounts on Health and Wellness from Growfitter, Thyrocare, Obino and Welcome Cure
  • Shopping, lifestyle and travel offers from Myntra, Purplle, Byju's and Byond Travels

Eligibility:

  • This account is for resident Indians of 18 years of age and above

Life Plus Senior Citizens Savings Account

This account helps senior citizens manage their day to day banking transactions independently and with extra ease.

Key Features:

  • Higher interest rates on term deposits
  • Free SMS alert Facility
  • Free Anywhere Banking: Online Bill Payments, round the clock customer care, Phone Banking
  • One nominee held singly or jointly. It can be changed during the subsistence of the account
  • Portability: transfer of your Savings Account from one branch to another branch of ICICI Bank
  • Money Multiplier Facility: Maximum liquidity and maximum returns by creation of a linked FD ensures higher rate of interest and makes your money multiply

Eligibility:

  • This account is for resident Indian Individual sole or joint account, Foreign national and Hindu undivided family HUF customers, above the age of 60 years

Young Stars Savings Account

Open and operate the account to plan your child's need, right from a young age.

Key Features:

  • The guardian can open and operate the account on behalf of the minor
  • Standing Instructions Facility to debit money from parents account to the youngstars account
  • Money Multiplier Facility: Maximum liquidity and maximum returns by creation of a linked FD ensures higher rate of interest and makes your money multiply

Eligibility:

  • This account is designed for resident Indian minors upto 18 years of age

Smart Star Savings Accoount

Inculcate the habit of savings and spending judiciously in your minor aged 10 to 18 years, who can open this account and manage it independently.

Key Features:

  • Smart Star Savings Account with Guardian Consent has a debit transaction limit of Rs. 2 Lacs in a financial year
  • Smart Star Savings Account without Guardian Consent has a debit transaction limit of Rs. 50,000 in a financial year
  • Personalised cheque book and cheques can be issued by the child
  • Pre paid Mobile recharge facility

Eligibility:

  • This account is specifically for minors above the age of 10 years. Precisely, the age group of 10 to 18 years

Pockets Savings Account

Pockets is a 'Digital Bank' with a mobile first interface. It offers a digital wallet to store your money and use it according to your needs.

Key Features:

  • Pockets wallet comes with a 16 digit VISA pre paid card which can be used to recharge mobile, send money, shop anywhere, pay bills and much more
  • Can be funded through Net Banking, NEFT, linking your ICICI account or any banks Debit card

Eligibility:

  • This account is for resident Indians of 18 years of age and above

Basic Savings Bank Account- The ICICI Bank Edge

Open a Zero balance Savings Account and avail best services.

Key Features:

  • Basic Savings Account opened under Pradhan Mantri Jan Dhan Yojana PMJDY
  • Ensures access to financial services and timely and adequate credit to the excluded sections i.e. the low income groups
  • No charges on free personalised RuPay debit card, Internet banking, free chequebook
  • One nominee held singly or jointly. It can be changed during the subsistence of the account

Eligibility:

  • This account is for resident Indians of 18 years of age and above

ICICI Savings Account Nomination Plan

ICICI Bank asks their customers to make nominations which imply that they should nominate individuals to whom the amount lying in their accounts should go in the event of their death. Nomination can be made in account opening form itself or on a separate form indicating the name and address of the nominee. The person can change the nomination any time. ICICI savings account provides the nomination facility in all the savings products.

ICICI Savings Account Welcome Kit

ICICI Bank provides a Welcome Kit containing personalised cheque book and ATM Card, which is mailed to the customers’ postal address selected for correspondence, after 7 – 8 working days from the date of opening of a particular savings account.

ICICI Savings Account Helpline

Individuals can call ICICI Bank’s 24X7 helpline number 1860-120-7777/ 1800-103-8181 , which is accessible from all landlines and mobile phones in the country.

Check Saving Account Offered By Top Banks

FAQs

Can I open ICICI bank account online?

ICICI Bank enables individuals to open a savings bank account online as well. Individuals can open an Insta saving account and digital savings account.

What is the minimum balance for an ICICI savings account?

Minimum balance requirement differs with ICICI Bank saving account products. The minimum balance required to open a Regular Savings Account in ICICI Bank is Rs. 10,000 in metro and Urban locations, Rs. 5,000 in Semi Urban and Rs. 2,000 in Rural locations.

Which saving account is best in ICICI?

There are various savings account products offered by ICICI Bank. These accounts are specially developed for a certain section of people. Individuals may compare the interest rate offered, minimum account requirements and facilities provided to select the best product.

Can I open ICICI account with zero balance?

The minimum balance requirement to open a savings account with ICICI Bank is Rs. 10,000 in metro and Urban locations, Rs. 5,000 in Semi Urban and Rs. 2,000 in Rural locations. If any individual does not maintain the minimum balance then non-balance maintenance charges are levied.


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ICICI News - Jan 2022
  • 2021-12-07 : ICICI Bank Partners with Flipkart to Offer Instant Overdraft Facility
    ICICI Bank has partnered with Flipkart to offer Instant Overdraft to sellers and businesses registered on the e-commerce portal for up to Rs. 25 lakh.
  • 2021-11-23 : ICICI Bank Launches New Online Platform
    ICICI Bank has launched a new online platform for exporters and importers known as Trade Emerge. The platform also offers online banking services for savings and current account holders.
  • 2021-05-25 : ICICI Bank launches facility to link UPI ID with digital wallet
    ICICI Bank launched a facility for linking a UPI ID with its digital wallet. This initiative enables users to undertake small-value daily transactions directly from their Pockets wallet using UPI in a safe and secure manner.
  • 2021-03-04 : 10 lakh customers of other bank are using ICICI’s banking app, iMobile Pay
    ICICI Bank reported that 10 lakh customers of other banks have started using its app, ‘iMobile Pay’. The Bank has achieved the feat in three months after it made the app open for all to use, including those not its customers. The bank anticipates that the number is likely to double in two months.
  • 2020-12-08 : ICICI Bank launched interoperable banking app
    ICICI Bank launched a new version of its mobile payment app which is interoperable and allows payments and other banking services to customers of any other bank. The new app will allow customers to link their bank accounts, generate a UPI ID and avail services such as online transactions, opening savings accounts, making investments, applying for loans and credit cards without being an ICICI Bank account holder.
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