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2 mins Read | 4 Years Ago

How to open Current Account Online

how to open current account online

Going digital has long been the mantra in banking where customers like you need everything at your fingertips. It is not just sufficient now for a bank to have competitive banking products and solutions but to have increased focus towards adoption of digital platforms with minimal manual intervention. What better way, to achieve this, than for a bank to on board customers doing business transactions through an online application for Current Account.

Thanks to the internet, banks now allow you to open a new Current Account online from the comfort of your home or workplace. It can take just minutes and save you a trip to a bank branch.

But if this is the first time that you are looking for an online Current Account opening, here are a few important things you should know:

1. Opening a new Current Account online

If you want to apply for a new Current Account online, you’ll first have to visit the official website of the bank in which you would like to open the account. The bank should offer online account opening facility. Most banks offer lead creation only when it comes to online Current Account opening.

Look for the new account opening option on the website and fill the application form. You’ll be required to upload identity proof, address proof and a few other documents to submit your application.

2. Selecting the right type of account

Some of the banks now offer many different types of bank accounts to suit different business needs of the customers. When you apply for Current Account online, make sure that you go through the benefits of different types of accounts to make the right decision.

There are now Current Accounts designed exclusively for specific needs, such as for Start-up businesses or for only digital transactions which are offered by a few banks. Such accounts come with a range of added benefits and features.

Many banks help you select the right fit Current Account based on your needs through a set of pre-defined questions.

3. Know Your Customer (KYC)

Banks are verifying details through Officially Valid Document (OVD) and pre-populating relationship details from other government websites like Ministry of Corporate Affairs (MCA).

You need details of the entity such as PAN, address proof, account opening cheque, etc. and identity and address proof of the authorised signatories/beneficial owners. Click here to view the detailed document list that you would need to open Current Account.

4. Receiving the account number

After selecting an account type and submitting the required documents, the bank will then create an online Current Account for you. You will receive a unique account number for the same. A few banks even allow you to select your own preferred account number!

5. Account activation

Banks ensure that only genuine entities can open account. As a result, every account opening request post In Person Verification (IPV) by branch executive is thoroughly reviewed by the bank for KYC and other required details, and hence, this can take a few days. Once the details are complete as per regulatory guidelines, your Current Account will be opened and you will get intimation for the same. Most banks share Debit Card, Internet Banking and Mobile Banking application access for your account by default or unless otherwise stated.

Look for a reputed bank to apply for Current Account and customer service to fuel your business growth. Go digital!

All the above features are available with ICICI Bank. So, if you are interested in opening a Current Account with us, please click here .

For disclaimer, Click Here.

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