What you need to open an ICICI savings account
ICICI Bank offers savings accounts through branches, online portals, and mobile apps. The documents and steps differ depending on whether you walk into a branch or open the account remotely. Most people can complete a branch application in one visit if they bring the right paperwork; online accounts take longer because the bank verifies your identity through video call or in-person confirmation at a branch afterward.
You will need proof of identity, proof of address, and proof of income or employment. ICICI accepts a specific list of documents for each category—a driver's license works for identity, but a library card does not. The bank also asks for your PAN (Permanent Account Number) if you have one, though it is not required to open the account.
If you are opening the account in person at a branch, bring originals of your documents plus one photocopy of each. The branch staff will verify the originals and keep the copies on file. If you are opening online, you will upload scans or photos of your documents through the app or website, and ICICI will ask you to confirm them later through video verification or an in-branch visit.
Key Takeaways
- ICICI requires proof of identity (driver's license, passport, or Aadhaar), proof of address (utility bill or lease), and your PAN number to open a savings account.
- Branch applications take one visit if you bring originals and copies of all documents; online applications require video verification or a follow-up branch visit.
- You can start the process on the ICICI mobile app, website, or by visiting a branch in person—the fastest route depends on whether you have all documents ready.
- The account is usually active within one to three business days after the bank completes identity verification.
Opening an account in person at an ICICI branch
Walk into any ICICI Bank branch with your documents and ask for the new accounts desk. Tell the staff member you want to open a savings account. They will hand you a form (sometimes called the account opening form or new account application) and ask you to fill in your name, date of birth, address, phone number, email, and occupation.
The staff will then ask to see your identity proof, address proof, and PAN. They will photocopy each document and attach the copies to your form. If you do not have a PAN, you can still open the account—the bank will ask you to fill out a separate form (Form 60) declaring that you do not have one. This takes an extra five minutes but does not delay the process.
Next, the staff will ask you to sign the form in front of them. They may also ask you to sign a few other documents related to the account terms and conditions. Once everything is signed, they will give you a receipt with a reference number. Your account is not yet active—the bank will verify your documents over the next one to three business days and then send you a confirmation email or SMS with your account number and login details.
Opening an account online through the ICICI app or website
Download the ICICI Bank mobile app or go to icicibank.com and look for the "Open Account" or "New to ICICI" button. The app will ask you to enter your phone number and create a temporary password. You will then be asked to fill in your personal details: name, date of birth, address, occupation, and email.
After that, the app will ask you to upload photos or scans of your identity proof, address proof, and PAN. Take clear photos of both sides of your documents and make sure the text is readable. The app will check that the documents match the information you entered. If there is a mismatch—for example, your name on the form does not match your name on your ID—the app will ask you to correct it before moving forward.
Once you upload your documents, ICICI will schedule a video verification call with you, usually within 24 to 48 hours. During the call, a bank representative will ask you to show your original documents on camera and answer a few questions about your identity and the account. The call takes about five to ten minutes. After the call, your account is usually active within one business day.
If you do not want to do video verification, you can choose to visit a branch instead. The app will let you select a nearby branch and book an appointment. A staff member will verify your documents in person, and your account will be active the same day or the next business day.
Documents ICICI accepts for identity and address proof
| Document Type | Accepted For | Notes |
|---|---|---|
| Aadhaar card | Identity and address | Most common; works for both categories in one document |
| Passport | Identity and address | Accepted for both; must be valid |
| Driver's license | Identity | Address proof must come from a separate document |
| Voter ID | Identity | Address proof must come from a separate document |
| Utility bill (electricity, water, gas) | Address | Must be dated within the last three months |
| Lease agreement or rental contract | Address | Must be signed by both tenant and landlord |
| Bank statement from another bank | Address | Must show your name and current address |
What happens after you submit your application
ICICI will verify your identity within one to three business days. If you opened the account in a branch, the staff will call or email you once verification is complete. If you opened online, you will receive an email with your account number, login credentials, and instructions for setting up your PIN and password.
Your account becomes active as soon as verification is done. You can then log into the ICICI mobile app or website using your account number and the temporary password they sent you. Change your password to something only you know. You can also visit a branch to collect your debit card and passbook if you want physical copies, though most people manage their account entirely through the app.
If ICICI cannot verify your documents—for example, if the photocopy is too blurry or the information does not match—they will contact you and ask you to resubmit. This usually adds one to two business days to the process. If there is a problem that cannot be resolved by email or phone, they may ask you to visit a branch in person.
Minimum balance requirements and account features
ICICI offers several types of savings accounts with different minimum balance rules. The basic savings account has no minimum balance requirement, so you can open it and leave it empty if you want. Other accounts, like the Savings Max or Savings Accelerator, require you to keep a certain amount in the account at all times—usually between 10,000 and 25,000 rupees, depending on the account type.
If your balance falls below the minimum, ICICI will charge a penalty fee, usually between 500 and 1,000 rupees per month. You can check the current minimum balance and fees for each account type on the ICICI website or by asking at a branch. Most people choose the basic account if they are just starting out or do not have much money to deposit.
All ICICI savings accounts come with a debit card, online banking access, and the ability to transfer money to other banks. You can set up automatic bill payments, receive your salary directly into the account, and use the mobile app to check your balance and transaction history anytime.
Frequently Asked Questions
Can I open an ICICI account if I do not have a PAN?
Yes. You can open a savings account without a PAN by filling out Form 60, which declares that you do not have one. The bank will keep this form on file. You will need to provide it again if you ever apply for a loan or credit card later.
How long does it take to get my debit card after opening an account?
ICICI usually sends your debit card within five to seven business days of account activation. You can use your account and transfer money before the card arrives. If you need a card urgently, you can visit a branch and ask about instant card issuance, though not all branches offer this.
What if my address proof document is older than three months?
ICICI prefers recent documents, but you may still be able to use an older one if it is the only proof you have. Contact your nearest branch or call ICICI customer service to ask whether they will accept it. A utility bill or lease is stronger proof than an old bank statement.
Can someone else open an account on my behalf?
No. You must open the account yourself because ICICI needs to verify your identity in person or through video call. A family member or friend cannot do this for you, even if they have your documents.
What if I make a mistake on the application form?
If you are filling out the form in a branch, ask the staff member for a new form and start over—do not cross out or write over mistakes. If you are filling it out online and notice an error before submitting, go back and correct it. If you have already submitted and the bank contacts you about an error, you can usually correct it by email or phone before verification is complete.