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Easy Access Savings Account

Easy Access Savings Account brings convenience to all your banking needs. Whether you want to save money, transfer funds, or make withdrawals, you can do it all from the comfort of your home. This account not only helps you manage your savings easily but also ensures that you can access your funds anytime, from anywhere via internet banking or our mobile app ‘open by Axis Bank’.

Features & Benefits
Eligibility & Documentation
Fees & Charges
Interest Rates
How to Open
Important Links
FAQs

Features & Benefits

EDGE REWARD Benefits

Earn up to ₹2,000 via EDGE REWARD points and spend on over 500 exciting rewards.

Exciting offers with EazyDiner

Up to 15% discount at 4,000+ partner restaurants in India via EazyDiner Program.

Deals and discounts with GRAB DEALS

Make GRAB DEALS your one-stop platform for discounts and cashbacks.

WhatsApp Banking for all your banking needs

View and manage your account on WhatsApp – including booking FD, blocking cards, paying bills.

Complementary secure+ debit card

Daily ATM withdrawal limit of ₹50,000 and shopping limit of ₹2 Lakhs.

Access 250+ services, at your fingertips with Axis mobile banking app, Open

View and manage all your savings, investments, insurance, deposits, etc. from one place.

Eligibility Documentation

Eligibility for Easy Access Savings Account

Entities eligible for Easy Access Savings Account

An individual residing in India
A Hindu Undivided Family (HUF)

Documentation for Easy Access Savings Account

To open the Easy Access Savings Account, submit a duly filled and signed application form along with the necessary documents.

Documents for Easy Access Savings Account for individual

One latest passport size photograph
Address and identity proof documents. For a full list of address and identity proof documents, click here
Only a single copy of the document is required if it is listed under both address and identity proof, e.g. Passport/Aadhar Card
If mailing address and permanent address are different, provide address proof documents for both

Documents for Easy Access Savings Account for a Hindu Undivided Family

Copy of Pan Card / Form 60 of HUF
Declaration from the Karta
Proof of identification and address of the Karta as per documentation for individual
Prescribed Joint Hindu Family Letter signed by all the adult holders

Documents for Joint Easy Access Savings Account

Address and identity proof documents for both applicants
A single Address Proof to the primary account holder will only be accepted if it is supplemented by a relationship proof between both holders.

*This product is only applicable for Rural / Semi-Urban / Rural Unbanked locations.

Advantages of an Easy Access Savings Account

These are some of the benefits you can enjoy when you open Easy Access Savings Account:

You can earn regular interest on your account balance even when you access the funds for making transactions.
It offers security to your funds and the liquidity for withdrawing these funds.
Handling your money can be easier and safer than having cash if you have a Debit Card linked to your account.
You can pay through multiple digital channels such as Unified Payments Interface (UPI), Immediate Payment Service (IMPS), National Electronic Funds Transfer (NEFT) or Real-Time Gross Settlement (RTGS).
You can also invest by starting a trading and Demat Account, a Fixed Deposit, a Recurring Deposit or a Systematic Investment Plan for a Mutual Fund through your account.
Get access to value-added benefits, services and discounts to save more on your online purchases.

Dos and Don'ts for Easy Access Savings Account

Do’s

Protect your username and password
When you open an easy access savings account, be sure to protect your account password at all times. The PIN or the password used for making digital transactions should not be shared with anyone, especially when you are out in public. Set a password that is easy for you to remember but cannot be guessed or hacked by anyone else.
Maintain the minimum account balance
You will have to maintain a minimum savings account balance at all times. This minimum account balance will not only help you avoid penalty fees charged on low balances but will also enable you to earn daily interest on your average daily balance. While making digital payments, ensure that you are able to keep the minimum balance in your account.

Don'ts

Avoid shared electronic devices
It is advisable to not log into your easy access savings account from anywhere except for your personal devices. And when using a public computer to make digital transactions, always log out of your account without fail and avoid saving the password on the page.
Don’t fall for fake messages
If you get messages, calls or emails from anyone other than the authorised officials from your bank, it is best to avoid these communications. Genuine bank officials will never ask you for sensitive personal and financial information such as your debit card number, account number, username or passwords through any form of communication.

Fees & Charges

When you sign up for the Easy Access Savings Account, certain fees and charges may be applicable. The Easy Access Savings Account charges are nominal and are disclosed upfront, so you know what you are paying or being charged for.

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