Opening an ICICI savings account online is simple and can be completed from home without visiting a branch. The entire process is digital, quick, and suitable for first-time account holders as well as people switching banks.
In this guide, you’ll learn how to open an ICICI savings account online, required documents, verification steps, and what to expect after applying.
Who Can Open an ICICI Savings Account Online?
You can apply online if you:
- Are an Indian resident
- Are 18 years or older
- Have a valid Aadhaar and PAN
- Have an active mobile number linked to Aadhaar
NRIs and minors usually need a different process.
Documents Required for Online Account Opening
Keep these details ready before starting:
- Aadhaar card
- PAN card
- Mobile number linked with Aadhaar
- Email ID
- A clear selfie (for video verification)
No physical documents are required in most cases.
How to Open ICICI Savings Account Online
Step-by-Step Process:
- Visit ICICI Bank’s official website and select Open Savings Account.
- Provide your phone number and complete verification with the one-time password.
- Fill in basic personal details such as name, date of birth, and address.
- Enter PAN and Aadhaar details for verification.
- Complete Video KYC by showing your Aadhaar and PAN on camera.
- Review details and submit the application.
Once verified, your account is opened digitally.
Video KYC – What to Expect
During video KYC:
- You’ll join a short live video call
- Show your original Aadhaar and PAN
- Answer basic questions for identity confirmation
The process usually takes 5–10 minutes.
Time Taken to Open ICICI Savings Account
- Account opening: Same day or within 24 hours
- Account number generation: Instant or within 1 working day
- Debit card delivery: 5–7 working days
You can start using net banking and UPI once the account is activated.
Minimum Balance Requirement
Minimum balance depends on account type:
- Regular Savings Account: ₹5,000 (varies by city)
- Zero Balance Account: No minimum balance
Choose the account type carefully while applying.
Benefits of ICICI Savings Account
- Easy online account opening
- Mobile & NetBanking access
- UPI, debit card, and cheque book
- Wide ATM and branch network
- Secure digital banking features
What Happens After Account Opening?
After your account is active:
- Login details are sent via SMS/email
- Debit card is dispatched
- You can activate UPI and mobile banking
- Account can be used for salary, savings, or online payments
Frequently Asked Questions (FAQ)
1. Can I open an ICICI savings account fully online?
Yes, ICICI allows complete online account opening with Aadhaar-based verification and video KYC.
2. Is branch visit required for ICICI online account opening?
No, in most cases you don’t need to visit a branch if video KYC is completed successfully.
3. How long does ICICI take to open a savings account online?
The account is usually opened within 24 hours after successful verification.
4. Can I open an ICICI savings account without Aadhaar?
For fully online opening, Aadhaar is required. Without Aadhaar, a branch visit may be needed.
5. Is there a zero-balance ICICI savings account?
Yes, ICICI offers zero-balance savings account options depending on eligibility.
6. When will I receive my ICICI debit card?
The debit card is generally delivered within 5–7 working days after account activation.
7. Can students open ICICI savings account online?
Yes, students above 18 years can apply online with valid Aadhaar and PAN.
Conclusion
Opening an ICICI savings account online is fast, convenient, and hassle-free. With digital KYC and instant activation, you can start banking without paperwork or branch visits. Just keep your Aadhaar, PAN, and mobile number ready, and the entire process can be completed in minutes.