NRI Accounts – Types, benefits and features

An ICICI Bank Savings Account is considered as one of the best to manage and grow your savings. Get access to funds at competitive interest rates along with several bank and digital services.

ICICI Bank ensures competitive returns on your deposited funds. With a focus on financial growth and increased savings, we offer attractive interest rates of 2.50%. By opening a Savings Account with ICICI Bank, you can enjoy the benefits of reliable and secure banking.

You can apply for an NRE/NRO Account either through our Assisted Journey with the help of a Relationship Manager or through a Do-It-Yourself (DIY) journey online.

RM assisted journey

• Sign up for an NRE/NRO Account: Fill your details to receive a call.
• Live Assistance: Get help over a call to fill the account opening form and KYC documentation.
• Account Opened: Your account is opened after successful scrutiny of KYC documents.
• Activation: Activate your account with the first fund transfer from your own overseas account.

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Do-It-Yourself (DIY) journey

• Get Started: Choose the NRE/NRO account program that suits you.
• Complete Your Application: Complete and submit the digital form with your details (Keep your self-signed copies of Passport, visa, and address proof ready).
• Account Opened: Your account is opened after successful scrutiny of KYC documents.
• Activation: Activate your account with the first fund transfer from your own overseas account.

*Only available for customers in USA.

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You need to maintain the minimum balance as per the product programme, click here to know the charges for various programmes.

The Monthly Average Balance (MAB) is calculated on a simple average of end of the day balances for a calendar month. The MAB is calculated by adding the closing ledger balance of the account of each day from the start of the month to the end of the month. Then the total sum is divided by the number of days in that month.

Your chequebook will be issued only upon request after you have successfully completed your KYC verification. You can request for a chequebook by logging in to ICICI Bank Internet Banking or the iMobile App.

• iMobile app: Go to Services > Chequebook Services > Issue Chequebook
• Internet Banking: Go to Bank Accounts > Accounts > Chequebook request

Yes. You will receive a Debit Card as a part of your welcome kit at your registered address once your account is successfully opened or bank also provides the option of non personalized kits that are given by the branches across the counter.

Once your Savings Account is successfully opened, you can log in to the iMobile App, set your 4-digit passcode and start exploring. For Internet Banking, you can generate your password with the User ID which was provided to you after opening the Savings Account.

Visit any ICICI Bank Branch along with your original photo ID proof. Once the request is placed, your mobile number will be updated in 2 working days. To locate the nearest ICICI Bank Branch, visit https://maps.icicibank.com/mobile

We have discontinued mobile number registration/ de-registration/ modification through our Customer Care and Internet Banking due to security reasons

Internet Banking:

You can generate your password at www.icicibank.com > Click on ‘Internet Banking’ (Bottom of the page) > Get started > I want my Password.

Customer Care:

You may place a request by calling our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.

ICICI Bank Branch:

Visit any ICICI Bank Branch along with original photo ID proof. To locate the nearest ICICI Bank Branch, visit https://maps.icicibank.com/mobile.

You can request to transfer your Savings Account from one ICICI Bank Branch to another through Internet Banking, iMobile app, Customer Care or by submitting a written request at any ICICI Bank Branch.

FATCA stands for Foreign Account Tax Compliance Act. As per regulatory guidelines, all banks have to collect FATCA from every customer who opens a Savings Account. FATCA came into being to combat tax evasion and to ensure strict adherence to tax rules. Its main objective is to identify and prevent offshore tax avoidance by the US citizens or residents.

• Click ‘Debit Card’ on the Home Page
• Get the details of your Virtual Debit Card
• Select your Card and click on ‘Manage All Services’.

Adding a nominee ensures your assets are managed correctly, in case of an unfortunate scenario. The nominee acts as a custodian and must provide a valid ID proof if needed.

Visit any ICICI Bank Branch with the originals and copies of the following documents to make this transition seamless:

• Identity / Address proof: Valid Passport / Aadhaar Card / Driving Licence / Voter ID / NREGA job card.
• Recent passport size colour photograph.
• PAN Card/ Form 97.

An Account is classified as Dormant, if inactive for over 2 years that includes inability to transact or update details.

• Visit an ICICI Bank Branch and complete the Re-KYC form.
• Provide address proof and PAN Card/Form 97.
• Carry out a transaction.

If your debit card has expired, a renewed card is issued automatically and sent to your registered communication address, applicable charges will be levied as per the bank service charges.

If the debit card was not used for at least one year prior to its expiry, the renewal request will not be raised automatically. In such case, you will need to place a manual reissue request, applicable charges will be levied as per the bank service charges.