SBI Savings Account Opening Online: In today’s time having a bank account is very important for everyone, even if it is not of any bank. It is mandatory to have a bank account for everything whether it is scholarship, subsidy, government scheme benefit or online electricity bill payment.
Ever since Bank Mitra’s Bharti has happened, opening an account in any bank has become much easier than before. If you want to open your zero balance bank account then you can open Zero balance saving bank account online in SBI bank.
SBI Savings Account Opening Online
Generally, the account is not opened directly in the banks with zero balance. For this you have to deposit at least 1000 rupees. But if you want to open online bank account on zero balance, then in this article how to open online savings account on zero balance in SBI bank? I am going to tell you step by step.
To open an account online or offline in any bank, you need some documents. If you have all these documents, then you can open your zero balance account online without any hassle with the help of internet.
Documents required to open zero balance online account:
You will need the following documents to open an online bank account. Keep in mind that for e-KYC, it is very important for your mobile number to be linked with your Aadhar card, otherwise you will not be able to open an online bank account. Your same mobile number will be registered in your bank account.
- Aadhar card
- pan card
Note: It is very important to link your mobile number with Aadhar card to open an account in the bank.
How to open zero balance bank account online in SBI?
There are many zero balance accounts in the bank like Insta Savings Account. There is no balance limit in this type of account. To open an Insta Savings account, the user has to visit the bank. They can also open account online through SBI YONO App or SBI website page www.onlinesbi.com or www.sbi.co.in.
Insta Savings Account is a product of SBI Bank which works as an online savings account. Applicants have to apply for the account through an online platform. Enter all the mandatory details on the application form. Once registered, you can use it immediately. User should have Aadhar card and PAN to open account.
To open zero balance bank account online in State Bank of India, you have to first download SBI’s Yono bank application in your mobile phone.
Step 1 – First of all open play store on your mobile.
Step 2 – Now search YONO SBI in play store.
Step 3 – You have to install YONO SBI app in your mobile.
Step 4 – Open the app after installing it.
Step 5 – After opening the app, first you have to select your mobile number. See screen shot below.
Step 6 – After selecting the mobile number, an OTP will come to your number which will be verified automatically.
Step 7 – After that you have to click on proceed. see screenshot below
Step 8 – After clicking on Proceed, you will see two options.
Step 9 – In which the first option will be of Open Saving Account and the second option will appear for Home Loan.
Step 10 – You have to click on Open Saving Account. see in the image below
Step 11 – After clicking again you will get two options. In which the first option will be without branch visit and the second option will be with branch visit.
Step 12 – We are opening online bank account here. So we have to choose the first option without branch visit. See image below.
Step 13 – As soon as you click on the option of without branch visit. You will again see two options.
Step 14 – The first option will be of Insta plus saving account and the second option will be of Insta saving account.
Step 15 – Here we will choose the second option Insta saving account. After clicking on this option a popup will open in which we are told that this is a limited access account whose full KYC we have to get done within one year. see image below
Step 16 – After that we will click on Submit. After clicking we will see two options again.
Step 17 – The first option will be Start A New Application and the second option will be for Resume Application.
Step 18 – We are applying for a new account here, so we have to choose the first option Start A new Application.
Step 19 – If you were applying online before this and it remains incomplete then you have to choose the option of Resume Application.
Step 20 – After selecting the option of Start A new Application, on the next page you will have to accept the terms and conditions and click on the Next button.
Step 21 – In the next page you have to enter your mobile number and click on submit button.
Step 22 – After clicking on submit an OTP will be sent to your mobile number which you will have to verify.
Step 23 – After the OTP is verified, you will have to create your password in the next page.
Step 24 – Password must be at least eight digits long and must use at least one digit and a special symbol.
Step 25 – After this you have to choose a security question and put your answer below it and click on next.
Step 26 – As soon as you click on Next, a popup will open in which you will be told that you have to complete this application within 15 days, otherwise you will have to apply again. You have to complete the next step by clicking on OK.
Step 27 – Now in the page that will open, you have to approve the FATCA / CRS declaration. All you have to do is click on the tick box and click on the next button.
Step 28 – After this the process of opening your account will start. You have to complete a total of 6 steps to open your online SBI bank account, after which your online SBI bank account will be opened.
In the first step, you have to verify your identity details.
Step 29 – First of all, you have to tick the box given in the personal detail page and click on the Next button.
Step 30 – After clicking on Next, you will have to verify your Aadhar Card in the next page. For this you will get 3 options. 1. Scan Aadhar Card 2. Aadhar Number 3. VID
Step 31 – We will verify your Aadhar card with Aadhar number from here. So we will click on Aadhar No.
Step 32 – In the next page, we have to enter our Aadhaar number and click on the submit button, after that an OTP will come on the mobile number linked to our Aadhaar, which we will have to verify and click on the Next button.
Step 33 – In the next page, we will get our name, address etc. information which is on our Aadhar card. Now we have to click on Next button.
Step 34 – In this page we have to choose our place of birth, country and citizenship. We have to select India in citizenship and country. After that click on Next.
Step 35 – In the next page, you have to select your state, district, and village/town and click on next.
Step 36 – This is a very small step. In this, you have to enter your PAN card number and click on next.
Step 37 – As soon as you click on Next. You will see the photo in the Aadhar card. After that you have to click on the Next button below.
Step 38 – In this step you have to enter your qualification. After selecting your educational qualification, click on Next.
Step 39 – In this step you have to enter marital status.
Step 40 – After that click on continue and fill further information.
Step 41 – After this you have to give the information of your parents. And then click on Next button.
Step 42 – In the next column, you have to fill in the information about your annual income, occupation or religion.
Step 43 – After this, fill the information of the person you want to nominate.
Step 44 – After this you have to select your home branch.
Step 45 – You choose your nearest branch.
Step 46 – After that you have to accept the terms and conditions.
Step 47 – After which an OTP will come to your mobile number once again. which you have to verify.
Step 48 – On the next next page you have to enter the name that will be printed on the SBI ATM card. Your name will be printed on your ATM card.
Step 49 – After completing these many steps, you will get your account number, CIF number.
Step 50 – And all the information related to your account will also be sent to you by an SMS.
Step 51 – You will get your ATM card by post within 15 days.
What is Insta Saving Account?
This account is similar to a normal savings but it has some limitations. You cannot deposit more than Rs.1 lakh in this account. This account is valid for one year. Within a year, you have to get KYC done by visiting the branch of your choice. After which this account becomes like other savings account and its limitation also ends. That is to say, after going to the bank branch and getting KYC done, it can be operated like a normal savings account.
You can also check your online bank balance with the help of Yono Bank app. This app is the app of SBI Net Banking. You can do all the work related to your bank with the help of this app. (SBI Savings Account Opening Online)
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