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instasave salary account

Do I get a Debit Card with Insta Save Account?


Yes. You will be receiving a Debit Card on your communication address once your account is successfully opened.

How do I register for Internet Banking and Mobile Banking services?


Once your account is successfully opened, you can log in to iMobile, set your 4-digit passcode and start exploring. For Internet Banking, you can generate your password with your User ID provided after account opening.

Can I get cheque book by opening Savings Account?


Cheque book is available with every Insta Save Account, which would be sent to you post successful KYC verification. Your cheque book will be dispatched to your communication address.

Can I save and continue my application later?


Yes, you can! You would get an application number which you can use to continue your application anytime, from where you left off.

Why do I need to add a Nominee to my account?


It is important to appoint a nomineefor all your assets so that the assets reach the right person in the unfortunate event of your death. The nominee you select must be a reliable person who can take care of the asset. Below are the rights of the nominee:

  • He has no right over your money unless specified under the will or if he/she inherits the money.
  • Nominee is a mere custodian.
  • He is the contact person for the account, in case the account holder is not reachable or in an event of the account holder’s death.
  • The nominee directs the court on how to go about the account in case of the account holder’s demise.
  • At the time of claiming for the deposit, the nominee will have to provide identification proof.
  • If the nominee is a minor, the guardian will sign on his/her behalf. We require the nominee’s and the guardian’s name, address and photograph.

Is my information secure?


Yes, your information is completely secure with us. Security of your personal and banking information is of utmost importance to us.

How to open Insta Save Salary Account?

You can open Insta Save Salary Account by visiting our website, downloading our iMobile or by directly visiting www.buy.icicibank.com

How is minimum Monthly Average Balance (MAB) calculated?

MAB is calculated on a simple average of day-end balances for a calendar month. MAB is calculated by adding the closing balance of account each day from start of the month to end of the month. Then the total sum amount is divided by number of days in that month.

What is the free ATM withdrawal limit?

5 free ATM withdrawals at any bank ATM every month.

What is an Insta Save Salary Account?

Insta Save Account is an Aadhaar based instant digital Salary Account offered by ICICI Bank for those who like to open an account for themselves online.

Will I get immediate access to iMobile after account opening??

You can immediately log in to iMobile and start using it.

What is the minimum net salary credit required for Insta Save Salary Account?


Minimum net salary credit required is Rs. 20,000/-. 

There is no minimum salary credit amount criteria in case of specific Corporates with whom ICICI Bank has an active salary account arrangement/Scheme tie up. Please check with your Human Resource (“HR”) department to confirm on any such Scheme.

Is PAN card mandatory for opening this Account?

Yes, PAN card is mandatory to open your Insta Save Salary Account. Without which you cannot proceed with Insta Save Salary Account opening journey.

What are the charges levied for non-maintenance of Monthly Average Balance (MAB)?

No charges are applicable as it is a no balance commitment account.

How much is the maximum balance I can keep in my salary account?

You can keep a maximum balance of Rs 1 lakh in all your linked deposit accounts. Once our official visits you and successfully completes your KYC verification, you can use it without any limitations.

What happens if there is no salary credit for 3 consecutive months in the account but there is other credit made in the Account or if I have opened other ICICI Bank products?

In such a case, the account will be converted to a Regular Savings Account with a monthly average requirement of Rs.10,000.

What happens if the minimum salary credit criteria is not met?

If the salary credit is observed to be less than Rs.20,000, then the account will be converted to a regular savings account with a MAB requirement of Rs.10,000. 

Is the account number also generated instantly?

Yes, the account number is generated instantly upon successful completion of account opening, on the final page. The customer can successfully view the account number and other account related details.

Is there a fee if I withdraw funds from my account?

No, there are no charges or fees applicable while withdrawing from your account.

What are the restrictions on my Insta Save Salary Account?


After successful account opening, you can start using the account, subject to the below limitations as the account is opened with online KYC:

  • Cumulative credits of up to Rs 2,00,000
  • Maximum balance up to Rs 1,00,000 in all your linked deposit Account

Upon successful funding of your account, our official will get in touch with you to complete the biometric verification and remove these limitations.

How and when will the Insta save salary account be regularized?

Post your account opening, while you can start enjoying the account benefits, you will receive a call from our sales officer who will set an appointment whenever you are available to complete the biometric KYC verification and remove the limitations on the restricted Insta Save Salary Account.

What happens if there is no salary credit for 3 consecutive months in the account?

Your Insta Save Salary account will be closed.

How will my salary start getting credited to my Insta Save Salary Account?

You have to update the Insta Save account number with your Corporate HR team to get your salary credited to the Insta Save Salary account.

What is the eligibility for opening an Insta Save Salary Account?

Insta Save Salary Account is available for resident individual above the age of 18 years. The customer needs to be a salaried customer who wishes to receive salary credits into this account.

What is the benefit of opening an Insta Save Salary Account?

Activated instantly and can start transacting immediately using iMobile or by logging in to Internet Banking. You can enjoy various offers across your favourite brands by using your Credit or Debit Card. Insta Save Salary Account is a Salary Account made available instantly. You can get the account 

Can Insta Save Salary Account be a joint account?

No. Insta Save Salary Account is intended for single users only and cannot be held jointly.

What are the documents required during an instant account opening journey?

All you need is your Aadhaar and PAN. (Please make sure that the Aadhaar is linked with the mobile number).

Do I get an option to enter my organization name in the salary account opening journey?

Yes, you will get the option to enter the name of your organization in your digital account opening journey. 

Will I get offers and benefits based on the tie up my company has with ICICI Bank ?

Yes, if your company has a tie up with ICICI Bank with offers extended to employees of the company , the same benefits will be available to you with the account, within a period of 90 days from the date of first salary credit in the Insta Save Salary Account.

What are the various features of Insta Save Salary Account?

  • Open your Salary account instantly online using Aadhaar
  • Get your salary credited and enjoy the benefit of no minimum commitment on balances
  • Get 24x7 access to 250+ services through iMobile and Internet Banking
  • Get benefits upto Rs. 40,000 with your Salary Account.
  • Get a Personal accident insurance of Rs. 5 Lakhs and Air accident insurance of Rs. 30 Lakhs
  • Get a complimentary Debit card with purchase protection upto Rs. 1 Lakh
  • Exciting offers on dining and shopping and earn reward points on your Credit and Debit Card spends.