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FREQUENTLY ASKED QUESTIONS

What is a Current Account?

A Current Account is an account that is used by business enterprises or self-employed professionals to carry out business-related transactions. It allows businesses to carry out a higher number of transactions daily.

Who can apply for a Current Account?

Anyone who meets any of the following requirements can apply:

- Self Employed Professionals

- Hindu Undivided Family (H.U.F.)

- Sole Proprietorship

- Partnership

- OPC / Private & Public  Limited Company

- Limited Liability Partnership

How do I open a Current Account?

You can open an IDFC FIRST Bank Current Account by visiting your nearest bank branch or click here to apply online.

What are the documents required for opening a Current Account?

The documents required to open a Current Account are based on your constitution type. Click here to view the list of documents.

What is the minimum Average Monthly Balance (AMB) required to be maintained in the IDFC FIRST Bank Silver Current Account?

Minimum Average Monthly Balance (AMB) requirement for Silver Current Account is ₹ 10,000.

What is an Average Monthly Balance?

The average monthly balance is calculated by taking the average of end of the day/ daily closing balances in your Current Account, in a given month. E.g., For a 31-day month, the average is calculated by adding the closing day balances for all the days in the month and dividing it by 31.

What are the benefits of having an IDFC FIRST Bank Current Account?

After opening a Current Account with IDFC FIRST Bank, you can avail of below benefits:

- State-of-the-art Mobile Banking App & Net Banking platform

- Bank from anywhere, across any branch, at ZERO charges

- Seamless POS, QR & Payment Gateway facility

- Doorstep Banking Service - Free document & cheque pickup

What are the fees and charges on IDFC FIRST Bank Current Account?

IDFC FIRST Bank has minimal and transparent fees & charges. Click here to view.

What is the free cash deposit limit for Silver Current Account?

Silver Current Account offers free cash deposit limit of 10 times the current month AMB, upto Rs. 10 Lakhs

Can I deposit or withdraw cash in any IDFC FIRST Bank branch?

Yes, every Branch is a Home Branch with IDFC FIRST Bank which means you can get banking service like cash deposits or withdrawals at any IDFC FIRST Bank branch in the country. These services are provided without any additional charges.

What are the digital modes through which I can access IDFC FIRST Bank Current Account?

Current Account can be accessed through the following digital modes:

- Internet Banking & Mobile Banking

- 24x7 Banker on Call 1800-10-888

- Alerts through Email and SMS

- WhatsApp Banking

What all Beyond Banking offer will I get with my Current Account?


IDFC FIRST Bank Beyond Banking offers premium banking services with 100+ partner offers, you can enjoy benefit across ERP & Accounting, HRMS Solutions, Cloud, Legal, Logistics, Travel & more.

Click here to view the Beyond Banking offers.

What is the digital Payment & Collection solutions available for my Current Account?

Below are some of the digital payment and collection solutions available with IDFC FIRST Bank Current Account:

Payment Solutions Collection Solutions
NEFT/RTGS/IMPS UPI-QR
Debit Cards POS Machine
E-commerce payments using Net Banking Doorstep Banking services with live tracking facilities
Bill Payments Payment Gateway
Bulk transaction facility on Net Banking Virtual Accounts
GST/Direct Tax Payment Collection API
Payment API NACH/e-NACH

What are the Trade & Forex solutions available with the Current Account?

Below are the Trade & Forex solutions available to facilitate your international business requirements:

- Letter of Credit

- Bank Guarantee

- Document Collection

- Inward & Outward Remittance

- Hedging and Currency Protection

- FDI/ ODI/ ECB

- Escrow Services

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