ICICI Savings Account

ICICI Bank Interest Rates on Saving Account

*Interest rates as of April 2025

What is an ICICI Bank Savings Account?

ICICI Bank is among India’s top five private sector banks, renowned for its secure banking environment and extensive financial services. Opening a savings account with ICICI Bank provides access to a host of benefits, including flexible account options, digital banking, and attractive rewards.

Types of Savings Accounts in ICICI Bank

ICICI Bank offers several savings account variants, each tailored for specific customer segments:

1. Regular Savings Account:

   For individuals above 18 years, offering routine banking services, FD investments, bill payments, and free internet/mobile banking.

2. Titanium Privilege Account:

   Provides higher daily withdrawal limits, unlimited transactions, and benefits for family members.

3. Young Stars Account:

   Designed for children below 18, with a debit card and a transaction cap to promote financial responsibility.

4. Seniors Club Savings Account:

   For individuals above 60, offering FD-like interest rates for balances above ₹75,000 and a hospitalisation allowance.

5. Salary Privilege Account:

   For salaried employees, with no cash transaction limits, zero minimum balance, and no annual fees.

6. Freedom Savings Account:

   Available to anyone above 18, with free ATM transactions and digital banking access.

7. Easy Receive Savings Account:

   Ideal for those receiving international remittances, with additional rewards and free digital banking.

8. Campus Power Account:

   For individuals aged 18–30, featuring high transaction limits, educational loans, free credit cards, and insurance coverage.

9. Insta Save Account:

   Allows instant online account opening with minimal paperwork, suitable for tech-savvy users.

Note: Silver and Gold Privilege Savings Accounts are discontinued for new customers as of June 1, 2023.

Maximum Account Balance for ICICI Bank

Features of ICICI Bank Savings Account

• Digital Accessibility: 24/7 fund transfers, bill payments, and account management via mobile/internet banking and UPI.

• Personalisation: Customise debit cards and even choose account numbers based on special dates.

• Cashback & Offers: Earn cashback and rewards on online transactions and bill payments.

• Instant Alerts: Receive SMS and email notifications for all account activities.

• Flexible Account Types: Choose from multiple variants to suit individual or family needs.

Benefits of ICICI Bank Savings Account

• Maximum Security: Funds are protected by advanced security protocols.

• Convenience: Easy access to funds and seamless digital banking experience.

• Investment Integration: Link savings accounts with deposit products for automated investments.

• Comprehensive Welcome Kit: Includes debit card, chequebook, and more upon account opening.

• No Restriction on Deposits: Save any amount, with interest earned on the full balance.

ICICI Bank Savings Account Charges*

*Charges as of April 2025. The charges and fees vary depending on the type of the Savings Account and debit/credit card.

How to Open an ICICI Bank Savings Account

• Visit the nearest ICICI Bank branch.

• Collect and fill out the savings account application form.

• Submit the form along with required documents and initial deposit.

• Bank officials will verify documents and activate the account.

Alternatively, many accounts can be opened instantly online using Aadhaar and PAN details, with digital document submission.

Documents Required for ICICI Bank Savings Account

• Identification Proof: Aadhaar card, voter ID, PAN card, etc.

• Address Proof: Passport, Aadhaar, utility bills, etc.

• Passport-size Photograph

• Account Opening Form

Additional documents may be requested by bank representatives.

How to Close an ICICI Bank Savings Account?

• Visit the branch where the account is held.

• Request and complete the account closure form.

• Submit KYC documents, chequebook, passbook, and debit card.

• Ensure all linked accounts are delinked and outstanding dues cleared before closure.

Conclusion

ICICI Bank’s savings accounts offer flexibility, security, and a range of digital and personalised features. With multiple account types, competitive interest rates, and customer-centric benefits, ICICI Bank empowers individuals and families to manage their finances with ease and confidence.

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