online zero balance saving Account #2026

In 2026, opening a zero-balance savings account online has become a standard digital service offered by most major banks in India through Video KYC (V-KYC), which eliminates the need for physical branch visits.  Popular Zero Balance Accounts (2026) The following banks offer specialized zero-balance digital accounts that can be opened instantly via their mobile apps or websites:  *Kotak Mahindra Bank (Kotak811): The Kotak811 Digital Savings Account is a full-featured zero-balance account that can be opened in about 3 minutes using Aadhaar and PAN. *State Bank of India (SBI): The Insta Plus Savings Account on the YONO app allows for 100% paperless opening with zero minimum balance requirements. *Federal Bank: Offers the FedSelfie Account, a digital-only zero-balance account opened via the FedMobile app in under five minutes. *IndusInd Bank: The Indus Delite Savings Account offers a zero-balance facility and video KYC onboarding. *IDFC FIRST Bank: Known for Zero Fee Banking, they offer zero-balance accounts primarily to salaried individuals or through specific digital variants. *RBL Bank: The GO Account is a digital-first zero-balance account with built-in insurance benefits.  Essential Requirements for Online Opening To open these accounts from your phone or computer, you must have the following: 👉Aadhaar Number: Linked to your current mobile number for OTP verification. 👉PAN Card: The original physical card is required for verification during the Video KYC call. 👉Physical Presence in India: You must be physically located within India for the geo-tagging requirement of the V-KYC process. Hardware: A smartphone or laptop with a camera, microphone, and stable internet.  #zerobalance #savingsaccount #online #finance