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  • ICICI Basic Savings Account

    Savings Account
    • Instant money transfer
    • 24x7 ATM withdrawals
    • Attractive rate of interest

    ICICI introduces the Basic Savings Account, a great way for beginners to get acquainted with the habit of saving and also develop an understanding about handling finances. This is a zero balance savings account, which means that you needn’t maintain a minimum balance in this account. But that’s just one of the many features of this account. Read on to find out more.


    Bank ICICI
    Category Basic / Zero Balance Savings Account
    Minimum Balance Requirement Nil
    Interest Rate 4.00%, payable on a half-yearly basis.
    Card Offered ICICI Bank Debit Card
    • Open only to Indian residents who are above 18 years.
    • Not open to NRIs and individuals in the capacity of HUF Kartas.

    Services Offered by ICICI Basic Savings Account

    Cheque book Yes
    Internet Banking Yes
    Passbook Facility Yes

    Features of ICICI Basic Savings Account

    ATM Transaction Charges (ICICI & non-ICICI ATMs) First 5 transactions (financial & non-financial) free of charge.
    Cheque book One cheque book is provided free of charge.
    Cash Transactions First 4 transactions are free of charge.
    Cash Deposit Facility Unlimited cash deposit transactions allowed at base branches.
    Debit Card Charges No additional charges levied on the ICICI Bank Debit Card
    Debit Card Transaction Limit Daily spending limit – Rs 10,000; Daily Withdrawal limit – Rs 10,000

    Fees & Charges of ICICI Basic Savings Account

    Cash Deposit Charges No charge for transactions done at base branches. A fee of Rs 90 shall be charged per transaction for non-base branches.
    Cash Withdrawal Charges (at base branches) In a month, first 4 withdrawals are free of charge. Thereafter a fee of Rs 90 is chargeable.
    Cash Withdrawal Charges (non-base branches) Rs 90 per transaction.
    ATM transactions (ICICI & non-ICICI ATMs)

    First 5 transaction are free of charge. Thereafter, charges of Rs 20 (for financial transactions) and Rs 8.50 (for non-financial transactions) apply.

    Debit Card Fee Nil
    SMS Alerts Charge Rs 15 per quarter.
    Multi-city cheque payment Charges Nil
    Cheque Book Issue Rs 20 per additional cheque book.
    Outstation Cheque Collection Charges

    Up to Rs. 5,000 - Rs. 25 per instrument;

    Rs. 5,001 to Rs. 10,000 - Rs. 50 per instrument;

    Rs. 10,001 to Rs. 1 lakh - Rs 100 per instrument and above Rs. 1 lakh - Rs. 200 per instrument.

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    GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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