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EXISTING SAVINGS ACCOUNT CUSTOMER NEW CUSTOMER

Note:

  • If you are an existing ICICI Savings Account holder, you can instantly open and link a Demat and Trading Account online by clicking on ‘Existing Saving Account Customer’ button.
  • If you do not hold a Savings Account with ICICI Bank, please Click on ‘New Customer’ to open a 3-in-1 Account. Which is currently available for limited corporates. For more details, contact Customer Care at 1800 1080.

Best for

​​​Invest, grow and save your funds

  • Zero opening charges

  • Expert stock advice

  • Theme-based baskets

  • Easy IPO investment

Important things to know

  • Zero account opening charges

    No fees to open your 3-in-1 Account online

  • Seamless, paperless onboarding

    Digital verification and live photo

  • Brokerage plan selection required

    Choose your preferred brokerage plan during account setup

  • One-click equity feature

    Invest in curated stock baskets with no lock-in and flexible investment modes

  • Charges apply to trading activities

    While there are no charges for opening the account, trading and demat transactions are subject to standard charges.

How to apply for Demat and Trading Account online

About 3-in-1 Account

All-in-one account for seamless investing

ICICI Bank’s 3-in-1 Account combines a Savings Account, Demat Account allows you to invest, trade and manage your funds efficiently, without the hassle of transferring money between platforms. Join 7.5 million+ customers already enjoying this seamless investment experience

Quick, paperless application journey

Opening a 3-in-1 Account is a 100% digital and paperless process for existing ICICI Bank customers. The process is intuitive, secure and can be completed from the comfort of your home

Eligibility and documents you’ll need

To apply, you must be an Indian resident with a valid PAN, Aadhaar (linked to digilocker) and a registered mobile number.You'll also need:

  • A valid email ID
  • Internet access for eKYC and verification
  • Live photo and digital signature (eSign) 

New-to-bank customers will soon be able to apply online or can request a callback for offline support

Smart investment features with expert support

With One click equity, you can invest in curated baskets of stocks and ETFs based on specific themes like sectoral trends or market outlook. These are designed by experts and can be tracked and exited anytime. You also get access to:

  • IPO investments
  • Real-time performance tracking
  • Flexible SIP or lump sum options
  • Advanced research tools like iLens
  • Perfect for beginners and seasoned investors alike

Benefits of 3-in-1 Account
  • Expert research: Receive exclusive stock recommendations with buy price, target and stop loss from ICICI direct advisors
  • Buy now, pay later: Access funds from ICICI direct to invest instantly, even when short on cash
  • Low brokerage: Save more with brokerage as low as 0.07% under the ICICI direct Prime plan

3-in-1 Account FAQs

What is a 3-in-1 Account?

A 3-in-1 Account is a unique offering by ICICI Bank and ICICIdirect, combining a Savings Account, Trading Account, and Demat Account into one seamless platform. It enables easy, secure, and integrated online investing and trading.

What are the advantages of a 3-in-1 Account?

Key benefits include:

  • One-time account setup for savings, trading and demat needs
  • Trade in equities, F&O, mutual funds, IPOs and insurance in one place
  • Accessible across web, mobile app and Call-N-Trade
  • Multiple brokerage plans to suit investor needs
  • Buy Now, Pay Later: Invest even when funds are short with margin support

What are the features of a Trading Account?
  • Seamless trading: Buy or sell without writing cheques or dealing with settlement hassles
  • Secure funds: Manage your own linked Savings and Demat Accounts—no transfer to broker pool accounts
  • Wide product range: Trade across NSE/BSE, access Margin, BTST, derivatives, Mutual Funds, and IPOs
  • Precise execution: Place trades for exact amounts without deviation
  • Real-time tracking: Use portfolio tracker, watchlists and SMS alerts to stay updated
  • Advanced research tool: Use iLens to screen stocks based on custom trends or criteria

How do you start online investments?

To start investing:

  • Open a 3-in-1 Account (Savings, Demat and Trading)
  • Ensure a sufficient balance in your linked Savings Account
  • Choose a suitable brokerage plan (e.g., ICICIdirect Prime plan)
  • Start investing online through the ICICIdirect platform

What is the difference between a Demat Account and a Trading Account?

Aspect

Demat Account

Trading Account

Purpose

Holds shares or securities in electronic form

Used to buy or sell shares on the stock market

Function

Acts like a digital locker

Acts like a transaction platform

Part of 3-in-1

Yes

 Yes

Together with a Savings Account, these form the 3-in-1 Account.

What are the charges for opening an ICICIdirect 3-in-1 Account?
  • Account opening charges: Nil for Trading and Demat Accounts
  • Demat AMC:

        1. 1st Year: Nil

        2. From 2nd Year: ₹700 + taxes per year

        3. BSDA (Basic Services Demat Account): No AMC for holdings up to ₹4,00,000

Multiple ICICIdirect Prime plans are available to choose from for brokerage and maintenance benefits.
T&Cs apply.

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Disclaimer

ICICI Securities Ltd. Registered office is at - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. ICICI Securities Ltd. is a Member of National Stock Exchange of India Ltd (Member Code: 07730), BSE Ltd (Member Code: 103) and Member of Multi Commodity Exchange of India Ltd.(Member Code: 56250) and having SEBI registration no. INZ000183631. Name of the Compliance officer (broking): Ms. Mamta Shetty, Contact number: 022-40701022, E-mail address: complianceofficer@icicisecurities.com. ICICI Securities Ltd. is a SEBI registered with SEBI as a Research Analyst vide registration no. INH000000990. Name of the Compliance officer (Research Analyst): Mr. Atul Agrawal Contact number: 022-40701000 E-mail Address : complianceofficer@icicisecurities.com. ICICI Bank ltd. CIN: L65190GJ1994PLC021012, DP Registration Number: IN-DP-751-2023, Name of the Compliance officer (ICICI Bank Ltd): Mr. Nikhilendu Krishna, Contact number: 022-50116213, E-mail address: nikhilendu.krishna@icici.bank.in. Investments in securities market are subject to market risks, read all the related documents carefully before investing. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. ICICI Securities Ltd. and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Please note Brokerage would not exceed the SEBI prescribed limit. For 3-in-1 Account, Trading Account will be opened with ICICI Securities Limited and Demat & Saving Accounts will be opened with ICICI Bank Limited and for 2-in-1 Account, Trading Account will be opened with ICICI Securities Limited and Demat Account will be opened with ICICI Bank Limited. Account would be opened after all procedure relating to IPV and client due diligence is completed. ICICI Securities Ltd is a distributor of Investment Advisory products. The non-broking products / services like Mutual Funds, Insurance, FD/ Bonds, PMS, Tax, NPS, IPO, Research, Financial Learning, Investment Advisory etc. are not exchange traded products / services and ICICI Securities Ltd. is just acting as a distributor/ referral Agent of such products / services and all disputes with respect to the distribution activity would not have access to Exchange investor redressal or Arbitration mechanism. Baskets are not Exchange approved products and any disputes related to the same will not be dealt on the Exchange platform.

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Disclaimer :  Investments in securities market are subject to market risks, read all the related documents carefully before investing. Continue reading

 

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