Family banking FAQ 

Family Banking is a unique way to bring your family’s banking under one umbrella, while each member still enjoys their own individual Savings Account. With a single Family ID, your family can unlock premium privileges, enjoy relaxed balance requirements, and simplify overall money management — making banking smarter and more rewarding for everyone.

Family Banking is a unique way to bring your family’s banking under one umbrella, while each member still enjoys their own individual Savings Account. With a single Family ID, your family can unlock premium privileges, enjoy relaxed balance requirements, and simplify overall money management — making banking smarter and more rewarding for everyone.

Family Banking gives all the togetherness benefits without combining funds. Each person retains privacy, separate balances, and independent control — while still sharing premium advantages as one group. Unlike a joint account, there’s no shared liability or complexity of multiple signatures.

Family Banking gives all the togetherness benefits without combining funds. Each person retains privacy, separate balances, and independent control — while still sharing premium advantages as one group. Unlike a joint account, there’s no shared liability or complexity of multiple signatures.

Yes — you can link any existing eligible ICICI Savings Account. Savings Account under Select Banking, Wealth Management & Private Banking Programmes and Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Yes — you can link any existing eligible ICICI Savings Account. Savings Account under Select Banking, Wealth Management & Private Banking Programmes and Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Some specialized accounts may not qualify due to limited features. Only Savings Account under Select Banking, Wealth Management & Private Banking Programmes and Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Some specialized accounts may not qualify due to limited features. Only Savings Account under Select Banking, Wealth Management & Private Banking Programmes and Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Only Savings Account under Select Banking, Wealth Management & Private Banking Programmes and Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Only Savings Account under Select Banking, Wealth Management & Private Banking Programmes and Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Some premium segments may require a minimum combined relationship value. If not met, accounts may shift to standard benefits or charges may apply as per existing product terms.

Some premium segments may require a minimum combined relationship value. If not met, accounts may shift to standard benefits or charges may apply as per existing product terms.

No — each member keeps full control over their individual account number, debit card, online access, and transactions. Only benefits and services get enhanced.

No — each member keeps full control over their individual account number, debit card, online access, and transactions. Only benefits and services get enhanced.

Only if appropriate permissions/authorization is provided. Privacy remains fully intact unless you choose to share access.

Only if appropriate permissions/authorization is provided. Privacy remains fully intact unless you choose to share access.

No, every member retains their own login and account statements unless they grant additional access permissions.

No, every member retains their own login and account statements unless they grant additional access permissions.

A minimum of 2 and a maximum of 10 family members (including Primary member) can form a Family ID for Select Banking, Wealth Management and Private Banking families. A minimum of 2 and a maximum of 6 family members (including Primary member) can form a Family ID for Salary Family.

Yes, two Savings Account holders can form a Savings Account Family ID.

Yes, a new member can be added to the Family ID later. The Family Banking Form must be filled in and signed by the new entrant and primary member of the family.

Yes — upgrading the Primary Member’s account (e.g., to Select/Wealth) can unlock higher benefits for everyone linked.

Parents, spouse and children can be added to the Family ID under Salary Family Banking.

6 members can be added to the Family ID under Salary Family Banking.

Yes, a new member can be added to the Family ID later. The Family Banking Form must be filled in and signed by the new entrant and primary member of the family.

Yes — upgrading the Primary Member’s account (e.g., to Select/Wealth) can unlock higher benefits for everyone linked.

Yes —salary accounts can be part of a Family ID. Salary Accounts under Power Pay, Select Banking, Wealth Management & Private Banking are eligible for Family Banking.

Yes — dependent members like students or seniors don’t have to maintain high balances individually if the family meets combined balance rules.

Yes — dependent members like students or seniors don’t have to maintain high balances individually if the family meets combined balance rules.

No — all account numbers remain separate and confidential.

No — all account numbers remain separate and confidential.

Yes — a request can be submitted anytime to delink a member.

Family ID will be discontinued.

Yes — personal credit profiles and cards remain separate.

Absolutely — all banking products remain available individually.

Each account holder manages their own funds independently — nothing changes in how deposits are made.

Each account holder manages their own funds independently — nothing changes in how deposits are made.

Family ID will be discontinued. Remaining members can form a new Family ID with a new primary member.

Family ID will be discontinued. Remaining members can form a new Family ID with a new primary member.

No — branch changes don’t affect family linking or privileges.

No — branch changes don’t affect family linking or privileges.

Yes — every account continues to be protected individually by ICICI Bank’s strong digital and operational security.

Yes — every account continues to be protected individually by ICICI Bank’s strong digital and operational security.

Only if authorization is granted by the account holder.

Only if authorization is granted by the account holder.

Just visit your nearest ICICI Bank branch to add/remove members.

Just visit your nearest ICICI Bank branch to add/remove members.

This is allowed only when other members provide consent

This is allowed only when other members provide consent

Any member of the Family ID is eligible to become the Primary Member, except for minor, student, and NRI Account holders.

Any member of the Family ID is eligible to become the Primary Member, except for minor, student, and NRI Account holders.

If the Primary Member holds a Salary Account with ICICI Bank and wants to extend the same benefits to his/her family members, then he/she can create a Family ID by raising a request.

If the Primary Member holds a Salary Account with ICICI Bank and wants to extend the same benefits to his/her family members, then he/she can create a Family ID by raising a request.

To avail insurance benefits for the family members, there should be at least one salary credit in the last three months in the Primary Member’s Salary Account, prior to the date of loss.

To avail insurance benefits for the family members, there should be at least one salary credit in the last three months in the Primary Member’s Salary Account, prior to the date of loss.

If salary stops getting credited to the Primary Member’s Account for the last 3 months, but the Program Eligibility Criteria is maintained, then the Family ID will be maintained.

If salary stops getting credited to the Primary Member’s Account for the last 3 months, but the Program Eligibility Criteria is maintained, then the Family ID will be maintained.

A minimum of 2 and a maximum of 10 family members (including Primary member) can form a Family ID for Select Banking, Wealth Management and Private Banking families. A minimum of 2 and a maximum of 6 family members (including Primary member) can form a Family ID for Salary Family.

Yes, two Savings Account holders can form a Savings Account Family ID.

Yes, a new member can be added to the Family ID later. The Family Banking Form must be filled in and signed by the new entrant and primary member of the family.

Yes — upgrading the Primary Member’s account (e.g., to Select/Wealth) can unlock higher benefits for everyone linked.

Parents, spouse and children can be added to the Family ID under Salary Family Banking.

6 members can be added to the Family ID under Salary Family Banking.

Yes — a request can be submitted anytime to delink a member.

Family ID will be discontinued.

Yes — personal credit profiles and cards remain separate.

Absolutely — all banking products remain available individually.