Zero balance, zero fuss
No minimum balance on the Everyday variant. No hidden charges.
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- Savings & Current Accounts
Savings & Current Accounts
Zero-balance savings for everyday life, and current accounts built for shops, firms and startups.
- Savings interest
- up to 3.5%
- Min. balance
- ₹0
- UPI & IMPS
- Free
- Debit card
- Lifetime free
01 — Why choose it
An account that keeps up
2× rewards on salary
Credit your salary to RayBank and earn 2× points on bills and UPI.
Current account for business
50 free transactions a month, free UPI QR and daily settlement.
02 — Rates & features
The numbers, plainly
| Account | Key feature |
|---|---|
| Everyday Savings | Zero balance · 3.00% |
| Premium Savings | Min. ₹1,00,000 · 3.50% · lounge access |
| Salary Account | Zero balance · 2× rewards |
| Current Account | ₹10,000 AMB · 50 free transactions |
| Senior Citizen Savings | Zero balance · priority service |
Illustrative figures for a fictional bank. Subject to change.
03 — Good to know
Questions we hear often
Who can open a savings account?
Any Indian resident aged 18 or above with Aadhaar and PAN. Minors can open with a guardian.
What is AMB?
Average Monthly Balance: the average of your daily closing balances. Current accounts need ₹10,000.
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