*Important Points to Note:

This is not applicable to:

  • Savings Accounts opened till July 31, 2025
  • All new and existing Salary Accounts, BSBDA/PMJDY and Accounts for people with special needs

 

This Savings Account is only applicable for accounts opened from August 01, 2025

  • Students from Select institutes and Pensioners are exempted from maintaining Minimum Balance requirement

3 in 1 Account

ICICI 3-in-1 Account seamlessly integrates a Savings Account, Demat Account, and Trading Account. Supported by ICICI Direct’s expert research recommendations, you can directly buy stocks using funds from your Savings Account, eliminating the need for a separate broker account.

What’s in it for you?

  • Personalized Debit Cards

  • Unified view & management of all linked Savings Accounts

  • Air & Personal accidental death cover

  • Earn up to 12X reward points on flights, hotels, shopping & more with iShop

  • Smart tools for one view of your accounts & investments

Choose a programme designed to meet your needs

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3-in-1 Account

Savings Account FAQs

What is the Minimum monthly average balance (MAB) required for all new Savings accounts opened on or after August 1, 2025?

 Monthly Average Balance required in the new savings account is as follows:

  • Metro and Urban locations - ₹ 15,000

  • Semi-urban locations - ₹ 7,500

  • Rural locations- ₹ 2,500

Following customers are exempted from the requirement of monthly average balance:

  • Customers fulfilling programme eligibility criteria

  • Pensioners receiving pension in their ICICI Bank Savings Accounts

  • Students of Select Institutes

 

What are the Programmes and their eligibility criteria in new Savings Account?

 Customers can enrol for any of the three programmes mentioned below:

  • Private Banking

  • Wealth Management

  • Select Banking

Customer can fulfil any of the below criteria to qualify for the programme: 

Private Banking (Any one)

  • Relationship value of ₹5 Cr
    (Deposits + Account balance + MF Value + Demat holdings)

  • Deposits + Account balance = ₹ 50 L

Wealth Management (Any one)

  • Relationship value of ₹50 L
    (Deposits + Account balance + MF Value + Demat holdings)

  • Deposits + Account balance = ₹10 L

Select Banking (Any one)

  • Relationship value of ₹25 L
    (Deposits + Account balance + MF Value + Demat holdings)

  • Deposits + Account balance = ₹2 L

What happens if MAB in Savings Account is not maintained?

 Non-maintenance charges will be applicable, which is 6% of the shortfall amount or Rs. 500 whichever is lower.

This charge will be waived if customer enrols and fulfils the respective programme eligibility criteria.

Is the newly launched Savings Account applicable to existing customers?

 It is applicable for new savings accounts opened on or after August 1, 2025. This new savings account is not applicable for the following customer segments:

  • Salary Accounts

  • Existing Savings Accounts opened before August 1, 2025

  • Pradhan Mantri Jan Dhan Yojana Account

  • Special Categories: Accounts for visually impaired, incapacitate, etc

What is a Savings Account used for?

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.

What are the documents required for opening an ICICI Bank Savings Account?
  • Aadhaar Card or e-Aadhaar
  • PAN Card.

What is the minimum balance requirement for pension account?

 There is no minimum balance requirement for Pension Account.  

What is the minimum balance requirement for student account?

 There is no minimum balance requirement for Student Savings Account.

What is the interest rate offered on an ICICI Bank savings account?

ICICI Bank offers 2.50% p.a. interest on savings account.

Who can open an ICICI Bank Savings Account?

Resident individuals (18+), HUFs, minors, NRIs (NRE/NRO accounts), and senior citizens are eligible to open a savings account with ICICI Bank.

Do I get a chequebook with an ICICI Bank Savings Account?

Yes, you will receive a chequebook after completing your KYC through ICICI Bank Internet Banking or the iMobile app.

How do I use Internet Banking and Mobile Banking?

Log in to ICICI Bank's iMobile app or Internet Banking with your User ID and set up your Passcode/Password.

How do I update my mobile number?

Update your mobile number at ICICI Bank ATMs, Branches or through the website (icicibank.com). Please note that mobile number update via Customer Care or Internet Banking is no longer available.

How to generate an Internet Banking password?

Generate your Internet Banking password through icicibank.com, Customer Care or any ICICI Bank Branch.

What is Savings Account portability?

You can now transfer your Savings Account from any ICICI Bank Branch to another through Internet Banking, the iMobile app, Customer Care or by visiting any branch and submitting a request.

What is FATCA declaration?

It is a regulation to prevent US citizens and residents from avoiding Tax through offshore accounts and is mandatory for opening a new Savings Account.

How do I access my Virtual Debit Card on the iMobile app?
  • Log in to the iMobile app
  • Tap on ‘Debit Card’ on the home page
  • View your Virtual Debit Card details and manage services.

Why should I add a nominee?

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.

What is a Dormant Account?

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

How to reactivate a Dormant Account?
  • Visit an ICICI Bank Branch and complete the Re-KYC form
  • Provide address proof and PAN Card/Form 60
  • Carry out a transaction.
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