How to Open an Axis Bank Account Online

Axis Bank is one of India’s leading private sector banks with over 5,100 branches and 15,000+ ATMs. With features like instant account activation, Video KYC, and zero-balance options, opening an Axis Bank account is quick, secure and convenient. This is a step-by-step guide to open an Axis Bank account online in 2025, covering eligibility criteria and documents required.

Why Choose an Axis Bank Account?

Axis Bank provides a variety of savings and salary accounts, such as ASAP Digital Savings, Amaze Zero Balance, and Suvidha Salary Accounts, with benefits including:

• Competitive Interest Rates: Up to 3.00% p.a. for balances below ₹50 lakh and 3.50% p.a. for balances above ₹50 lakh, credited quarterly.

• Digital Banking: Access 250+ services via the “Open by Axis Bank” mobile app, including UPI, bill payments, and fund transfers.

• Debit Card Offers: Enjoy cashback, rewards, and discounts through Grab Deals, plus virtual debit cards issued instantly.

• Zero-Balance Options: Accounts like Amaze and Digital Salary Accounts require no minimum balance.

• Video KYC: Complete identity verification from home, eliminating branch visits.

Eligibility Criteria

To open an Axis Bank savings or salary account online, you must meet these requirements:

• Citizenship: Resident Indian, Non-Resident Indian (NRI), or Hindu Undivided Family (HUF).

• Age: 18 years or above. Minors can open accounts with a guardian (e.g., Future Stars Savings Account).

• Existing Accounts: No existing Axis Bank savings account for Basic Savings or ASAP Digital accounts; existing accounts must be closed within 30 days.

• Documents: Valid Aadhaar and PAN for instant activation via e-KYC, or other KYC documents like passport or voter ID for additional verification.

Documents Required

Prepare these documents for online account opening:

• Identity Proof: Aadhaar card, PAN card, passport, voter ID, driving license.

• Address Proof: Aadhaar card, passport, voter ID, driving license, utility bill, or rent agreement.

• Additional: Recent passport-size photograph, PAN card (mandatory for financial transactions).

• Note: Aadhaar and PAN enable instant account setup. Non-Aadhaar IDs may require branch verification, delaying activation.

Step-by-Step Guide to Open an Axis Bank Account Online

Axis Bank’s ASAP Digital Savings and Digital Salary Accounts allow instant account opening using Aadhaar and PAN with Video KYC. Follow these steps:

1. Visit the Axis Bank Website or App

   • Go to Axis Bank’s savings account page or download the “Open by Axis Bank” app from Google Play Store or Apple App Store.

   • Click “Open Now” under “Digital Savings Account” or “Digital Salary Account.”

2. Enter Basic Details

   • Provide your Aadhaar-linked mobile number and PAN number.

   • Enter personal details (name, date of birth, email, address).

   • Select the account type (e.g., ASAP Digital Savings, Amaze Zero Balance, or Salary Account).

   • Request an OTP sent to your Aadhaar-linked mobile number.

3. Verify OTP and Fill Application

   • Enter the OTP to authenticate your Aadhaar.

   • Complete the application form with details like occupation, nominee information, and preferred home branch (from 4,000+ branches).

   • Upload digital copies of KYC documents if using non-Aadhaar IDs.

4. Complete Video KYC

   • Initiate a video call with an Axis Bank official (instant or scheduled).

   • Ensure a camera-enabled device (laptop, smartphone, or tablet) with stable internet, granting access to location, camera, and microphone.

   • Show your PAN card and confirm KYC details during the call. The official takes a screenshot and verifies your identity in real-time.

5. Receive Account Details

   • Upon successful Video KYC, receive your account number, customer ID, and IFSC code instantly via email or SMS.

   • Get a virtual debit card for immediate online transactions.

   • Your account is auto-enabled for NetBanking and the Axis Mobile app.

6. Fund the Account

   • Transfer funds via UPI, IMPS, NEFT, or NetBanking using the account number and IFSC code.

   • Initial funding (e.g., ₹10,000 for Amaze Zero Balance) can be withdrawn post-activation.

7. Receive Welcome Kit

   • A physical debit card (based on account variant, e.g., Online Rewards Card), chequebook, and welcome letter are dispatched to your registered address within 7–10 days.

Note: Accounts opened with limited KYC (e.g., Aadhaar OTP-based) are valid for one year and may have transaction limits. Visit a branch within 12 months for full KYC to remove restrictions.

Minimum Balance Requirements

Minimum Average Balance (MAB) varies by account type and location, except for zero-balance accounts:

• Easy Access Savings: ₹12,000 (Metro/Urban), ₹5,000 (Semi-Urban), ₹2,500 (Rural).

• Liberty Savings: ₹25,000 (Metro/Urban/Semi-Urban/Rural) or spend ₹25,000 monthly.

• Zero-Balance Accounts: Amaze, Basic Savings, and Digital Salary Accounts require no MAB.

• Penalties: Non-maintenance charges range from ₹100–₹600 monthly, based on the shortfall and location.

Tips for a Smooth Process

• Use Aadhaar and PAN: These ensure instant activation via e-KYC, bypassing additional verification.

• Stable Internet and Device: Use a camera-enabled device with a strong connection for uninterrupted Video KYC.

• Accurate Details: Ensure Aadhaar, PAN, and application details match to avoid rejection.

• Track Application: Use the application reference number to check status via the Axis Bank website or by calling 1860-419-5555.

• Register for Mobile Banking: Download the Axis Mobile app and complete Level 2 registration using debit card details or OTP for full access to 250+ services.

Frequently Asked Questions (FAQs)

1. Can I open an Axis Bank account online without Aadhaar?
Yes, but using a passport, voter ID, or driving license may require branch verification, delaying activation. Aadhaar enables instant setup.

2. What is the minimum balance for an Axis Bank savings account?
₹12,000 (Metro/Urban), ₹5,000 (Semi-Urban), or ₹2,500 (Rural) for Easy Access Savings. Zero-balance options include Amaze and Digital Salary Accounts.

3. How long does it take to open an Axis Bank account online?
With Aadhaar and Video KYC, the process takes 5–10 minutes, with instant account activation. Non-Aadhaar applications may take 2–3 days.

4. Is Video KYC mandatory for online account opening?
Yes, Video KYC is required for digital account opening to verify identity. Without it, you must visit a branch for in-person KYC.

5. Can NRIs open an Axis Bank account online?
Yes, NRIs can open NRE, NRO, or FCNR accounts online via the Axis Bank NRI page, following similar steps with Video KYC.

6. What are the interest rates for Axis Bank savings accounts?
3.00% p.a. for balances below ₹50 lakh and 3.50% p.a. for balances above ₹50 lakh, compounded quarterly.

7. Can I use my Axis Bank account immediately after opening?
Yes, with a virtual debit card and NetBanking access, you can transact instantly via UPI, IMPS, or NEFT.

8. What happens if I don’t complete full KYC within a year?
Limited KYC accounts face transaction restrictions after 12 months. Visit a branch to complete full KYC for unrestricted access.

To open account visit : https://www.axisbank.com/retail/accounts/savings-account

Also visit : https://postofficefd.com/kotak-mahindra-bank-fixed-deposit-rates/