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Best-in-class Netbanking and Mobile Banking Platform
Bank from anywhere, across any branch, without extra charge
Suite of payment and collection solutions to optimize cash flows
Doorstep Banking Service- Free document & cheque pickup

Best-in-class Netbanking and Mobile Banking Platform
Bank from anywhere, across any branch, without extra charge
Suite of payment and collection solutions to optimize cash flows
Doorstep Banking Service- Free document & cheque pickup

Current Account
Eligibility
Fees
FAQs
Blogs

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Strengthen and grow your business with an IDFC FIRST Bank Current Account.

Taking the right decisions is crucial for the success of your business. Choosing IDFC FIRST Bank’s Current Account is one of them. With Nil charges on 40 + commonly used Current Account services we believe that our Current Account offering gives you the flexibility towards attaining the business growth you’ve always dreamed of.Read More

With an IDFC FIRST Bank Platinum Current Account, you gain access to multiple features and benefits. Take advantage of an integrated Internet and Mobile Banking Platform with attractive features, such as Trade Forex Solutions, GPS-enabled Doorstep Banking, Payment and Receivable Solutions, and much more, all at your behest. We are also transparent about our Current Account fees & charges. No surprises.

So, go ahead and open Platinum Current Account online to secure your business growth with IDFC FIRST Bank.Read Less

Empower Your Enterprise with the Ultimate Current Account Solution

Anywhere Banking: Enjoy commonly used current account services without fees.

Cash Management Solutions: Benefit from a suite of payment and collection solutions to optimize your cash flows

All-in-one app: A single app with 100+ features that meet both personal and business financial needs

WhatsApp Banking: Access your accounts anywhere, anytime. Just send a 'hi' to 95555 55555 to get started

Debit Card: Free VISA Signature Business Debit card with exclusive benefits

Beyond Banking Services: We offer 100+ Beyond Banking offerings to suit your enterprise's needs, including ERP, HRMS, Payroll, Taxation, Legal, Cloud Services, CoWorking Spaces, etc.

Exclusively tailored benefits for strong businesses that are set to grow

Zero charges on 40+ commonly used Current Account services*
Auto Sweep FD Facility of 6.30%– BRAVO exclusively for Platinum customers
Free Cash deposit limit of 15 times of current month AMB
Free VISA Signature Business Debit card with lounge access
Complimentary insurance with the debit card
Free NEFT, RTGS, IMPS transactions*
Daily ATM limit of ₹2 Lakh & Purchase limit of ₹4 Lakhs
Preferential Trade & Forex pricing
Leverage our Payment and Collection solutions to optimize your business
Get complimentary General Insurance Cover with your Current Account

_{*on maintenance of average monthly balance of ₹2,00,000}

Open Account

Eligibility

Who can apply?

The following constitutions are broadly eligible to open an account:

Hindu Undivided Family (H.U.F.)
Sole proprietorship
Partnership
OPC / Private / Limited Company
Limited Liability Partnership
Resident Individual

Documentation

Sole proprietorship

2 documents in the name of Entity
Address proof in the name of entity
Proprietor Document – (Photo, PAN copy and 1 OVD document copy)
Nature of Industry proof (In case not indicative in Entity documents, please check for Invoice Copy, Bill of Entry, Freight Invoice, Agreement Copy)

Partnership

Partnership Deeds
Partnership Firm Declaration
Entity PAN card copy
Address Proof in the name of the Entity
OVD copy of the Partners / Authorised Signatories / Beneficial Owners (Including Latest Photograph and PAN card copy)

Schedule of Charges

Click here to read the Schedule of Charges

FEES & CHARGES

Find out about our minimal and transparent fees & charges

View Fees & Charges

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.

Yes. with BRAVO feature, you can enjoy interest on your Platinum Current Account. BRAVO feature allows you to set up an Auto Sweep into FD limit, with no penalty on premature FD breakage. Click here to know more about the ‘BRAVO’ feature for Current Account

Minimum Average Monthly Balance (AMB) requirement for Platinum Current Account is ₹ 2,00,000.

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.

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

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

All current account services (except cash deposit) are offered free of charge to the customer provided they maintain the required balance.

Name of the Product

Criteria

Platinum

AMB: >=2,00,000 - CA services are FREE,

AMB: 50K- 2 Lakh - Rs. 1000;

AMB: < 50K - Rs. 1000 + Standard charges applicable

Platinum Current Account offers free cash deposit limit of 15 times the current month AMB with no restriction on maximum amount.

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.

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

IDFC FIRST Bank Beyond Banking offers premium banking services with 100+ partners. You can benefit from 150+ offers across ERP &Accounting, HRMS Solutions, Legal, Logistics, Travel & more.

Click here to view the Beyond Banking offers.

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

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

More FAQs

Whatsapp Banking

Through WhatsApp Banking, you can interact with us just like you would with any of our representative

Numbers to connect: 95555 55555

Message Now

Current Account Blogs

FEATURED

All you need to know about current account

Current accounts can help in managing the finances for your business. Read the following article to learn more about current accounts.

Team FinFIRST19 Oct 2023 • 3 mins read

Read Full Story

Savings Account vs Current Account: Key differences & benefits

02 Jul 2025 • 3 mins read
Traditional vs zero balance current account for Start-ups

17 Aug 2023 • 3 mins read
Business benefits of a Start-up current account

14 Aug 2023 • 3 mins read
IDFC FIRST Bank’s ‘BOOSTER’ Current Account: A game changer for MSMEs

01 Jul 2023 • 3 mins read

Discover Our Banking Products

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Simple loan solutions for commercial vehicle

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Professional Loan

Expand your practice without worry

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Empower Your Enterprise with the Ultimate Current Account Solution

Platinum Current Account

Exclusively tailored benefits for strong businesses that are set to grow

Eligibility

FEES & CHARGES

Find out about our minimal and transparent fees & charges

FREQUENTLY ASKED QUESTIONS

What is a Current Account?

Who can apply for a Current Account?

How do I open a Current Account?

What are the documents required for opening a Current Account?

Do IDFC FIRST Bank Current Accounts earn interest?

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

What is an Average Monthly Balance?

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

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

Are all services offered free of charge in the Platinum Variant?

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

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

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

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

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

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

Whatsapp Banking

Current Account Blogs

All you need to know about current account

Savings Account vs Current Account: Key differences & benefits

Traditional vs zero balance current account for Start-ups

Business benefits of a Start-up current account

IDFC FIRST Bank’s ‘BOOSTER’ Current Account: A game changer for MSMEs

Discover Our Banking Products

Business Loan

Commercial Vehicle Loan

Professional Loan

Get in touch with us